Blanche, a minor, enters into a contract to buy two all-season passes from Chalet Mountain Resort. The contract will be made enforceable if Blanche
a.ratifies it.
b.disaffirms it.
c.nullifies it.
d.voids it.
Answers
The correct answer is b. disaffirms it. Blanche, being a minor, is generally considered to lack the legal capacity to enter into a binding contract. Minors are protected by the law, and their contracts are typically considered voidable. This means that they have the option to either enforce or disaffirm the contract.
Option a, ratifying the contract, means that Blanche would affirm and accept the contract as valid, thereby making it enforceable. However, since Blanche is a minor, she has the right to disaffirm the contract, which means she can reject and avoid any obligations under it.
Option c, nullifying the contract, suggests that there is a defect or issue with the contract itself, making it void or invalid. However, the question does not provide any indication of such a defect.
Option d, voiding the contract, would mean that the contract is inherently void from the beginning, regardless of Blanche's actions or status as a minor. However, the question implies that the contract is potentially enforceable if certain conditions are met.
Therefore, the correct answer is b. disaffirms it, as Blanche can choose to reject or disaffirm the contract due to her status as a minor.
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Related Questions
Assume that l2t = 0.15% and that it = 0. If the one-year interest rate is 5% and the two-year interest rate is 5.75%, then it is equal to: t+1 OA. 5.90% OB. 6.20% OC. 5.15% OD. 5.60%
Answers
The one-year interest rate (it) is approximately 0.300225% OC. 5.15%.
To calculate the implied one-year interest rate (it),
(1 + it) = (1 + l2t)² / (1 + lt)
Given:
l2t = 0.15%
it = 0 (implied one-year interest rate)
t+1 = unknown
substitute the values into the formula:
(1 + 0) = (1 + 0.0015)² / (1 + lt)
Simplifying the equation:
1 = (1.0015)² / (1 + lt)
1 = 1.00300225 / (1 + lt)
1 + lt = 1.00300225
lt = 1.00300225 - 1
lt = 0.00300225
To convert the annual interest rate to a percentage,
lt = 0.00300225 × 100
lt = 0.300225%
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in general, why is it more expensive for a company to finance with equity capital than with debt capital?
Answers
Equity capital is generally more expensive than debt capital due to several reasons. These reasons include: Equity capital involves more risk than debt capital. Debt capital is borrowed money, and the lender expects to be repaid with interest. On the other hand, equity capital involves taking on investors who own a portion of the company.
Investors in equity capital expect to receive a return on their investment in the form of dividends and/or an increase in the value of their shares. Equity investors bear the risk of losing their investment if the company doesn't perform well. There is no fixed repayment schedule for equity capital.
Debt capital has a fixed repayment schedule. Equity capital, on the other hand, is considered an indefinite investment. Investors in equity capital expect to be compensated through returns on their investment, but they do not have a fixed repayment schedule. This means that if the company becomes profitable, it may have to share its earnings with equity investors for an indefinite period of time. This makes equity capital more expensive than debt capital. Equity capital comes with more strings attached than debt capital.
Equity investors usually expect some degree of control over the company's decision-making process. They may require a say in the company's strategy, management, or other aspects of its operation. This can be a costly expense for the company since it means giving up some control over its business to equity investors. These factors make equity capital more expensive than debt capital. However, there are also benefits to equity financing, such as not having to make interest payments or repay the principal amount borrowed.
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the american system of government produces more divided government than does the parliamentary system of government because _____.
Answers
Why the American system provides more divided government than the parliamentary system is because the Executives and Legislature are each elected separately.
Under a parliamentary system, a Decorated Monarch acts as Head of states and the Legislative provides the law through majority votes.
The officers of parliamentary system is not as expansive as the Federal Democratic government practiced today.
Basically, the Federal system is one where the there are 3 branch of government both at the Federal level, State Level and the Local Level.
Therefore, the reason why the american system of government produces more divided government than the parliamentary system is because it is stated by the US constitution that the various level of government should be elected except the Judiciary.
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To become a successful entrepreneur, you should:
Select one:
O Prepare to risk all of your family assets.
O Plan to quit your job before starting.
O Choose a business that is in a field you enjoy.
O Expect to put down a lot of money.
Answers
Managers, across industries, spend about _____% of their time in verbal interaction. Group of answer choices 25 33 50 95 75
Answers
The average time which managers, across industries, spend in verbal interaction is:
E. 75%According to the given question, we are asked to find out the average time which managers, across industries, spend in verbal interaction between themselves and other subordinates.
As a result of this, we can see that based on the research done by Deirdre Borden, they made us of qualitative method of interviews, surveys, polls, etc to come to the conclusion that the average time spent is about 75%.
Therefore, the correct answer is option E.
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At December 31, Hawke Company reports the following results for its calendar year. Cash sales $ 1,738,010 Credit sales $ 3,634,000 In addition, its unadjusted trial balance includes the following items. Accounts receivable $ 1,101,102 debit Allowance for doubtful accounts $ 19,860 debit Required: 1. Prepare the adjusting entry to record bad debts under each separate assumption. Bad debts are estimated to be 4% of credit sales. Bad debts are estimated to be 3% of total sales. An aging analysis estimates that 7% of year-end accounts receivable are uncollectible
Answers
The adjusting entries that need to be made to record bad debts are as follows:
Bad debts are estimated to be 4% of credit sales
Bad Debts Expense = $3,634,000 * 4%
= $145,360
Allowance for Doubtful Accounts = $145,360
Bad debts are estimated to be 3% of total sales
Bad Debts Expense = ($3,634,000 + $1,738,010) * 3%
= $138,366
Allowance for Doubtful Accounts = $138,366
Aging analysis estimates that 7% of year-end accounts receivable are uncollectible
Bad Debts Expense = $1,101,102 * 7%
= $77,077
Allowance for Doubtful Accounts = $77,077
The adjusting entries can be summarized as follows:
Bad Debts Expense Allowance for Doubtful Accounts4% of credit sales $145,360 $145,3603% of total sales $138,366 $138,366
Aging analysis $77,077 $77,077
Hence, these are the adjusting entries required to record bad debts.
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Quiz: Building Good Spending Habits
ХА
Question 1 of 10
Which of the following is a wise practice for making important purchases?
A. Trust customer claims from the manufacturer
O B. Skim return policies and warranties
Ο Ο ОО
O C. Ignore professional reviews
D. Be wary of customer testimonials
SUBMIT
PREVIOUS
Answers
Answer:
I THINK IT IS A
Explanation:
you want to trust your customer claims because that is your your buisness is the customer so trust what they have to say
Mining Companies have a major role to play in facilitating and promoting the culture of equality and therefore eliminating Gender based violence from the workplace and communities that host/ border mining project developments. a) What are some of the reasons that you believe gender based violence has become so prevalent on mining sites and in surrounding communities. (5 marks) b) During the screening phase of an EIA project in Guyana concerns were raised by villagers in the area about "Increased incidences of sexual exploitation of indigenous women and young girls by people who have come into the communities to work for the company."
Answers
Gender-based violence has become prevalent on mining sites and in surrounding communities due to a combination of factors such as male-dominated work environments, social and economic inequalities, lack of awareness and education, limited access to support services, and a culture of impunity.
Gender-based violence on mining sites and in surrounding communities can be attributed to several reasons. Firstly, the mining industry is historically male-dominated, with a significant gender imbalance in the workforce. This power dynamic can perpetuate harmful attitudes and behaviors towards women, leading to increased incidents of violence.
Secondly, mining projects often bring rapid social and economic changes to communities, resulting in unequal power dynamics and social tensions. These changes can disrupt traditional gender roles and exacerbate existing gender inequalities, making women and girls more vulnerable to violence.
Thirdly, the lack of awareness and education about gender issues and violence prevention contributes to the prevalence of gender-based violence. Limited knowledge about consent, healthy relationships, and gender equality can perpetuate harmful norms and behaviors.
Furthermore, the remote locations of many mining sites can limit access to support services and justice systems. This lack of resources and infrastructure can prevent survivors from seeking help and perpetrators from being held accountable, perpetuating a culture of impunity.
Lastly, the overall culture and norms within the mining industry and surrounding communities play a significant role. If there is a lack of commitment from mining companies to prioritize gender equality, enforce policies against violence, and promote a safe and inclusive work environment, it can contribute to the prevalence of gender-based violence.
In conclusion, gender-based violence on mining sites and in surrounding communities is a complex issue influenced by multiple factors. Addressing this problem requires a comprehensive approach that involves creating gender-inclusive work environments, promoting education and awareness, strengthening support services, and holding perpetrators accountable. By actively working towards equality and addressing the root causes of violence, mining companies can play a crucial role in eliminating gender-based violence from their workplaces and the communities they operate in.
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Abigail inherited a sum of $205000. She invested all of the money at 4.1% per annum, compounded semiannually. With this invested money, she would like to withdraw a payment every six months, for the next 10 years. How much will each payment be?
Answers
Each payment she would receive every six months for the next ten years would be $23,372.56.
The amount Abigail inherited is $205000 and invested it at 4.1% per annum compounded semiannually.
Now, we are to determine the amount of each payment she will receive every six months for the next ten years.
The formula to use is:PMT = r(PV) / (1 - (1 + r)^-n) where PMT is the payment, PV is the present value, n is the number of payments, and r is the interest rate.
For the above problem,PV = $205000r = 4.1% per annum / 2, since the interest is compounded semiannually, which is equal to 0.0205n = 10 years × 2 = 20 payments, since the number of payments is every 6 months
Substituting the given values: PMT = (0.0205 x $205000) / (1 - (1 + 0.0205)^-20)PMT = $23,372.56
Thus, each payment she would receive every six months for the next ten years would be $23,372.56.
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If an economy is operating on its production possibilities frontier (ppf), are there any unemployed resources in the economy?
Answers
If an economy is operating on its production possibilities frontier (ppf), there are no unemployed resources in the economy because the curve will select the best possible economy.
what is production possibilities frontier (ppf)?
The production possibility frontier (PPF) is a curve that helps to determine which product will best efficiently utilize available results.
The curve can also select a mix of product considering opportunity cost, economies of scale as to which product is best.
The selection will make an economy operating on PPF to have enough jobs for people.
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Can a fixed interest rate be changed?
Answers
Answer: If your account has a fixed rate, the bank can still change your rate, but there are limits on when it may do so and notice requirements: The bank generally cannot change your rate during the first year after the account was opened.
Explanation: goggle
Now that Rory understands how comprehensive income is, he is wondering if he needs to record the $500 scholarship he was awarded from his local community to help pay his college tuition. If so, in which category of income should it be recorded: earned income, unearned income, or received income from government programs
Answers
Whether or not Rory needs to record the $500 For more questions on Scholarship he was awarded for college tuition will depend on whether it is considered taxable income or not.
In general, scholarships and grants used for Assuming that the scholarship money is tax-free, education expenses such as tuition and books are tax-free.
However, if the scholarship money is used for non-qualified expenses such as room and board, it may be taxable.
Assuming that the scholarship money is tax-free, Rory does not need to record it as income. It is not considered earned income, unearned income, or income received from government programs.
However, if any portion of the scholarship money is taxable, Rory would need to record it as income in the appropriate category depending on how it is classified.
If it is earned through work, it would be recorded as earned income. If it is awarded without any work required, it would be recorded as unearned income.
If it is received through a government program, it would be recorded as income received from government programs.
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Enron The Smartest Guys in the Room
1. Why did Sherron Watkins, the whistle-blower of Enron, wait to report the firm?
2. In what ways did Skilling's involvement in unethical financial and accounting practices benefit stakeholders initially?
3. What were the ultimate consequences to stakeholders and employees after bankruptcy?
4. What lessons have been learned from this fraud?
Answers
"Enron: The Smartest Guys in the Room" is a documentary film that delves into the rise and fall of Enron Corporation, one of the largest energy companies in the United States. The film explores the unethical practices, accounting fraud, and corporate greed that led to Enron's collapse and bankruptcy.
1. Sherron Watkins, the whistle-blower of Enron, waited to report the firm for several reasons. One reason was fear of retaliation and the potential negative impact on her career. She was concerned about the consequences of going against the powerful and influential executives at Enron. Watkins also wanted to gather enough evidence and understand the situation fully before taking action. She wanted to ensure that her claims were well-supported and that she could effectively communicate the problems to higher authorities. Additionally, she hoped that the company's management would take corrective actions internally, avoiding the need for external reporting.
2. Skilling's involvement in unethical financial and accounting practices initially benefited stakeholders in several ways. The manipulative practices employed by Enron artificially inflated the company's stock price, which was beneficial for shareholders and investors who saw their investments grow rapidly. This perception of success attracted more investors and raised the company's market value, making it appear stronger and more profitable than it actually was. As a result, stakeholders, including shareholders and employees with stock options, reaped financial benefits from the perceived success of Enron.
3. The ultimate consequences of Enron's bankruptcy were severe for stakeholders and employees. Shareholders lost their investments as the stock price collapsed. Many employees lost their jobs as the company went bankrupt and faced financial hardship. Enron's collapse also had a ripple effect on other stakeholders, such as suppliers, creditors, and pensioners who were reliant on the company's stability. The scandal damaged trust in the financial markets, leading to increased regulatory scrutiny and changes in corporate governance practices.
4. The Enron scandal served as a significant lesson in corporate governance, ethics, and financial reporting. It highlighted the importance of transparency, accountability, and proper oversight within organizations. Some of the key lessons learned from the Enron fraud include the need for stronger regulatory oversight and enforcement, enhanced financial reporting standards, improved corporate governance practices, and the importance of whistle-blower protections.
The scandal also emphasized the importance of ethical leadership, fostering a culture of integrity within organizations, and promoting a robust internal control system to prevent and detect fraudulent activities. These lessons have influenced subsequent reforms in financial reporting, auditing standards, and corporate governance practices to mitigate the risk of similar frauds in the future.
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why is cooperative a value lead and value based organization?
I need the anwers right now.
Answers
Answer:
Co-operatives throughout the world share a set of values that give them their distinctive character.
Self-help
In co-operatives, people help each other whilst helping themselves by working together for mutual benefit.
Self-responsibility
Individuals within co-operatives act responsibly and play a full part in the organisation.
Democracy
A co-operative will be structured so that members have control over the organisation – one member, one vote.
Equality
Each member will have equal rights and benefits (according to their contribution).
Equity
Members will be treated justly and fairly.
Solidarity
Members will support each other and other co-operatives.
People in the first (or beginning) level of management in a company are known as?
Answers
Answer:
people in the first or beginning level of management in company known as "supervisors"
Choose those characteristics that best describe a command system. Multiple select question. The division of output between capital and consumer goods is decided by market forces. A central planning board makes all economic decisions concerning resources. The government owns most property resources. Firms produce according to the demands of consumers.
Answers
A central planning board makes all economic decisions concerning resources and. The government owns most property, resources are the characteristics that best describe a command system.
What is command system?Command system is the economic system where government has a special and major role. That detects the economic with the real world problem like the coordination problem, moral problem, hazardous problem and others.
Thus, option B and C are correct.
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Once the election to use the LIFO inventory method has been made by a taxpayer, the inventory method may be changed only with the consent of the IRS.
A. True
B. False
Answers
A. True Once a taxpayer has elected to use the LIFO (Last-In, First-Out) inventory method, it becomes a part of their accounting method. As a result, any changes to this method must be approved by the IRS.
This is because changing inventory methods can potentially have a significant impact on a taxpayer's tax liability. For example, changing from LIFO to FIFO (First-In, First-Out) could result in a lower cost of goods sold and higher profits, which would increase the taxpayer's tax liability.To change inventory methods, a taxpayer must submit a request to the IRS and provide a detailed explanation of why the change is necessary. The IRS will then review the request and may require additional information or documentation before granting approval. It is important for taxpayers to be aware of the rules and requirements surrounding inventory methods and to work with a qualified tax professional to ensure compliance with IRS regulations.
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education opens the door to employment.
Answers
Answer:
yes education opens the door to employment as Education give us a new identity and talent which people are looking for the employment. Education can lead to success and employement.
An employee has enrolled in his company's nonqualified deferred compensation plan. The benefit paid at the time of the employee's retirement is:_______.
A) taxable as ordinary income to the employee and can be taken as a deduction by the employer.
B) taxable as ordinary income to the employee with no benefit allowed to the employer.
Answers
Answer:
A) taxable as ordinary income to the employee and can be taken as a deduction by the employer.
Explanation:
When an employee defers to receive the compensation plan he gets the benefit of lower tax bracket each year, ultimately decreasing his tax liability.
Further when he receives the complete amount his income stands taxable. Accordingly at that time ordinary tax rates as per FICA are applicable.
On the employers part it is only deductible when the employee includes it in the income of the year, and pays tax on such compensation received.
Thus, when he receives it as compensation on retirement it is normally taxable at ordinary rates to the employee and deduction can be claimed by the employer.
Shaquil receives total employee benefits that are 13. 5% of his gross annual pay. If Shaquil has a gross annual pay of $40,000, how much in total employee benefits does he receive? a. $5. 40 b. $54. 00 c. $540. 00 d. $5,400. 0.
Answers
The annual total employee benefits that are received by Shaquil are $5400 during the course of an entire year's salary. So the correct option matching the quoted statements is D.
The calculation of the total employee benefits derived are simple, as all such benefits are to be summed up in total by putting the values given under the summation.
Calculation of employee benefits The annual total employee can be calculated by using the formula for the same as given below,\(\rm Total\ annual\ employee\ benefits= Annual\ Salary\ x\ Percentage\ of\ Benefits\ Received\)We have been given the information that the employee benefits derived are as 13.5%. Now we put the values given in the formula assuming that the salary $40000 remains constant.\(\rm Total\ Annual\ Employee\ Benefits= \$40000\ x\ 0.135\\\\\\\rm Total\ Annual\ Employee\ Benefits= \$5400\)So we get the values that the total annual benefits of being an employee received by Shaquil will be $5400.Hence, the correct option is D that the total annual employee benefits derived by Shaquil will be $5400.
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Sonia thinks she would like to work in the marketing field. Which student organization would be most likely to help her learn about these careers?
A. HOSA
B. DECA
C. SkillsUSA
D. NTHS
Answers
Answer:
B. DECA
Explanation:
DECA prepares emerging leaders and entrepreneurs in marketing, finance, hospitality and management in high schools and colleges around the globe.
deca
Inflation can cause difficulty in many ways. Which group would have the greatest problem during periods of high inflation?
Answers
Answer:
Inflation can cause difficulty in many ways. Which group would have the greatest problem during periods of high inflation that last several years? Older, working couples saving for retirement. Older people living on fixed retirement income.
When will the Mini Toolbar appear?
when you type text
when you press the Delete key
when you select text
when you first open a file
Answers
Answer:
It is C on edge 2021
Explanation:
Answer:
(c) when you select text
Explanation:
The tool bar appears when you select text to provideoptions depending on what you would like to do with the text.
A 65-year old individual has just retired after working for the same employer for 20 years. He will collect an annual pension benefit of $50,000, but is not yet ready to stop working. He has lined up a part-time job that will pay $3,000 this coming year. How much can he contribute to a Traditional Individual Retirement Account for his first year in retirement
Answers
Answer:
$3,000
Explanation:
Based on the information given we were told that he has a PART-TIME JOB THAT WILL PAY him the amount of $3,000 this coming year which means that the amount he can contribute to a TRADITIONAL INDIVIDUAL RETIREMENT ACCOUNT for his first year in retirement will be the EARNED INCOME of the amount of $3,000 which will therefore be his maximum INDIVIDUAL RETIREMENT ACCOUNT (IRA) contribution for this year.
What is the main advantage of having a skill set with a high market value?
• A. There are fewer regulations restricting those skills.
B. Workers are more productive per hour using those skills.
C. Employers are willing to pay more for those skills.
D. Worker organizations have a major need for those skills.
SUBMIT
Answers
Answer:
C
Explanation:
The main benefit of having a high market value is that they will get a high price for the services they will provide. Their job will remain stable and they can lead a good life with the compensation they will receive.
If you lose your job in this country, you can claim unemployment and collect money to help you until you can find another job. This is because of economic
security
freedom
equity
growth
(I couldn’t find economics lol)
Answers
This is because of economic "Economic Security".
Economic security is characterized as a person's, family's, or alternately local area's capacity to meet their essential requirements in a feasible and honorable way. This shifts relying upon a person's actual prerequisites, the general climate, and social standards.
When a person is able and eager to work, but they are not employed, they are considered to be unemployed. A person's percentage of the labour force who is jobless is known as the unemployment rate. Consequently, knowing who is employed is necessary to calculate the unemployment rate.
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1. Healthy aging is arguably a combination of choice, a person's biological make-up, and social and environmental factors.
Select one:
True
False
2. The period of stagnation in older adults is attributed to a lack of good decisions during their younger years.
Select one:
True
False
3. Safeguarding our older adults is the sole responsibility of family members and carers since they spend a lot of time with them.
Select one:
True
False
4. Denial is a detrimental stage in the grieving process because it causes psychological harm according to K.Ross.
Select one:
True
False
5. The lens through which older adults are viewed does not increase susceptibility to abuse and ageism.
Select one:
True
False
Answers
All the given statements,that is, statements 1,2,3,4 and 5 are False.
1. Healthy aging is not solely determined by individual choices or biological factors. It is influenced by a combination of personal choices such as maintaining a healthy lifestyle, genetic predisposition, as well as social and environmental factors such as access to healthcare, socioeconomic status, and social support systems.
2. The period of stagnation in older adults is not exclusively attributed to a lack of good decisions made during their younger years. Factors such as health conditions, socioeconomic circumstances, and life events can contribute to periods of stagnation or limited opportunities, but it is not solely determined by past decisions.
3. Safeguarding older adults is not the sole responsibility of family members and carers. It requires a comprehensive approach involving family, caregivers, healthcare professionals, social service organizations, and society as a whole. It is important to create a supportive and protective environment that ensures the well-being and safety of older adults.
4. Denial is not universally considered a detrimental stage in the grieving process according to K. Ross, who proposed the five stages of grief. The stages of grief (denial, anger, bargaining, depression, and acceptance) are not linear and may vary for individuals. Denial can serve as a coping mechanism for some individuals to temporarily protect themselves from the overwhelming reality of loss.
5. The lens through which older adults are viewed can increase susceptibility to abuse and ageism. Stereotypes, biases, and negative attitudes towards aging can contribute to mistreatment, neglect, and discrimination against older adults. Ageism and negative perceptions of aging can undermine the rights, dignity, and well-being of older adults. It is crucial to challenge ageist attitudes and promote a more inclusive and respectful perspective towards aging.
Therefore, all the statements are false.
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Descartes believed that his thoughts, hopes, doubts, and wishes must belong to some thinking substance.
Answers
Descartes believed that his thoughts, hopes, doubts, and wishes must belong to some thinking substance, which he identified as the mind. He argued that the mind and body are separate entities, with the mind being immaterial and independent of the physical body. This philosophy of dualism forms the basis of Descartes' understanding of human consciousness.
Descartes believed that his thoughts, hopes, doubts, and wishes must belong to some thinking substance. To understand this concept, we need to explore Descartes' philosophy of dualism. Descartes proposed that the mind and body are two distinct entities.
He argued that the mind, or thinking substance, is separate from the physical body.
According to Descartes, the mind is immaterial and does not depend on the body for its existence. It is the seat of our thoughts, emotions, and consciousness.
On the other hand, the body is a physical entity that interacts with the external world.
Descartes reasoned that because he can doubt the existence of his body, but not his mind, the mind must be a separate and distinct entity. He famously stated, "Cogito, ergo sum" which means "I think, therefore I am." This statement reflects his belief that the mind is the source of his existence.
In conclusion, Descartes believed that his thoughts, hopes, doubts, and wishes must belong to some thinking substance, which he identified as the mind. He argued that the mind and body are separate entities, with the mind being immaterial and independent of the physical body. This philosophy of dualism forms the basis of Descartes' understanding of human consciousness.
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Jessie is designing a new style of bracelet to sell at school to raise money for fbla. She has sold so many bracelets that she has assigned other members of fbla to assist her in making the bracelets. Which production activity step is this?.
Answers
Answer:
recruiting/hiring
Explanation:
i dont know its just a guess
An it company wants to run a log backup process every monday at 2 am. The usual runtime of the process is 5 minutes. As a cloud practitioner, which aws services would you recommend to build a serverless solution for this use-case? (select two).
Answers
As a cloud expert, Cloudwatch and Lambda are the AWS services I would suggest using to create a serverless solution for this use case.
By "cloud practitioner," what do you mean?A technical expert who is proficient in cloud computing and has a solid understanding of AWS is known as an Amazon Web Services (AWS) certified cloud practitioner and is capable of supporting cloud operations in a variety of verticals and sectors.A fundamental understanding of AWS Cloud principles, services, and terminology is provided by the AWS Certified Cloud Practitioner certification. For people in non-technical roles who have no prior IT or cloud expertise or for those with on-premises IT experience looking for basic AWS Cloud fluency, this is a fantastic place to start.
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