Mark purchased a $4,500 bond paying a coupon rate of 4.40% compounded semi-annually with 6 more years to mature. The yield at the time of purchase was 5.90% compounded semi-annually.
a. How much did Chad pay for the bond?
b. What was the amount of premium or discount on the bond?

The statements about a vision and firm's mission  is true that is "the mission points the firm in the direction of where it would like to be in the years to come". The correct option is C.

The mission statement defines the fundamental purpose of the organization, including its products or services, target market, and values. It should be concise and clearly communicate what the organization does and why it exists.

On the other hand, a vision statement describes the company's aspirations and goals for the future. It should be forward-looking and inspiring, and should provide a sense of direction for the organization.

The reason for the statement "the mission points the firm in the direction of where it would like to be in the years to come" is true due to the  strategy of the organization and should be communicated clearly to all stakeholders, including employees, customers, and investors.

Therefore, the correct option is C.

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Answer:

Professional education is a formal specialized training about a particular profession in which learners are taught the central concepts, principles, and techniques, and how these are applied in real practice, and the learners also acquire the necessary competencies needed for proper practice and behaviour.

Professional education is a formalized approach to specialized training in a professional school through which participants acquire content knowledge and learn to apply techniques. Although content is what the participant is expected to learn by attending professional school, such an education also helps the participant acquire the competencies needed for proper practice and behavior.

The corrupt practices that occurred in Theranos, a well-established and reputable company, can be attributed to several factors. These include the pressure to deliver on promises made to investors and stakeholders, a culture of secrecy and fear of failure, and the personal motivations and actions of key individuals within the company.

Additionally, besides the corruption scandal, Theranos faced several other challenges that impacted its performance between 2015 and 2018, including regulatory issues, technological limitations, and the erosion of trust in the company. While the incorporation of the triple bottom line framework, which considers social, environmental, and financial impacts, could have potentially helped prevent the scandal, it is not a foolproof solution. It can provide a holistic perspective and encourage ethical practices, but ultimately, the effectiveness of such frameworks depends on the commitment and integrity of the individuals involved.

The corrupt practices in Theranos were prompted by a combination of factors. One major factor was the immense pressure placed on the company to deliver on its promises. Theranos had attracted significant investments and garnered a high level of media attention, leading to heightened expectations. This pressure to live up to the hype may have driven some individuals within the company to engage in fraudulent practices to maintain the illusion of success.

Additionally, Theranos had cultivated a culture of secrecy and fear of failure. The company's founder, Elizabeth Holmes, created an environment where employees were discouraged from questioning or challenging the company's claims and practices. This culture may have allowed unethical behavior to go unchecked, as employees felt compelled to comply with the prevailing narrative rather than raise concerns.

Moreover, the personal motivations and actions of key individuals played a role in the corruption scandal. Elizabeth Holmes, as the charismatic leader of the company, played a central role in perpetuating the deception. Her desire for success, fame, and personal enrichment seemingly drove her to engage in fraudulent activities, disregarding the potential harm caused to patients and investors.

In analyzing Theranos' performance from 2015 to 2018, it is evident that the corruption scandal was not the sole factor impacting the company. Theranos faced numerous other challenges during this period. Regulatory issues arose when concerns were raised about the accuracy and reliability of the company's blood-testing technology. These concerns led to investigations by regulatory bodies and the subsequent banning of Theranos' founder and former president from owning or operating a medical laboratory for a period of time.

Furthermore, technological limitations posed a significant obstacle. Theranos' claims of being able to conduct a wide range of tests using just a few drops of blood were met with skepticism and scrutiny from experts in the field. The company struggled to validate its technology and faced challenges in meeting regulatory standards.

Additionally, the erosion of trust in Theranos further impacted its performance. As the extent of the corruption and deception became public, the company's reputation suffered greatly. Investors and partners withdrew their support, and legal battles ensued. This loss of trust damaged Theranos' credibility and hindered its ability to attract new investors and partners.

While the incorporation of the triple bottom line framework, which considers social, environmental, and financial impacts, could have potentially helped prevent the scandal, it is not a guaranteed solution. The triple bottom line approach encourages companies to consider ethical and sustainable practices, fostering transparency and accountability. By emphasizing social responsibility, environmental stewardship, and financial viability, companies can develop a more holistic approach to decision-making.

However, the effectiveness of such frameworks ultimately depends on the commitment and integrity of the individuals involved. In the case of Theranos, the corrupt practices occurred despite the presence of regulatory frameworks and guidelines in the healthcare industry. The unethical behavior of key individuals within the company overrode the potential benefits of incorporating the triple bottom line approach.

While the triple bottom line framework can promote ethical practices and help identify potential risks, it cannot eliminate the possibility of corrupt practices entirely. To mitigate and prevent corrupt practices, a combination of strong corporate governance, regulatory oversight, ethical leadership, and a culture that encourages transparency and accountability is necessary.

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Answer : Monopolistic competition

Answer:

Monopolistic Competition

Explanation:

In a monopolistic competitive market, there are large numbers of sellers who do not sell identical products instead they sell differential products. They compete with each other at a competitive price. The products could be differentiated in many ways including quality, style, location and even brand name. Since they compete at a competitive price, if there is a substantial rise in the price of any of the products, the buyers could quickly shift from one product to another. The most crucial factor behind product differentiation is because of geographical factors. Under a monopolistic competitive market, the sellers do not have any influence over customer loyalty and limited control over the price.

The letter of credit is the financial document which tells that a bank will pay a specified sum of money to a beneficiary

Letter of credit is also called documentary credit or bankers commercial credit.

The financial document called "Letter of credit" is a a letter written by a financial institution which authorizing another institution to pay someone a sum of money.

This document is usually a mode of payment used for the importation of visible goods.

In conclusion, the document called "letter of credit" is the financial document which tells that a bank will pay a specified sum of money to a beneficiary

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The answer is A. By preserving the value of deposits while loaning deposited money to others.

Fractional reserve banking refers to the practice where banks are only required to hold a fraction of their deposits in reserve and can lend out the rest. This means that banks can loan out a larger amount of money than they actually have on hand. When the loans are repaid, the money is deposited back into the bank, which can then be loaned out again, creating new money in the economy.

This process of lending and borrowing money, creates new money in the economy, and helps to stimulate economic growth. The money that is deposited in the bank is not idle, but it's put to use by loaning it out to borrowers, who in turn use it for different purposes, such as investments, buying goods and services and so on.

B. By ensuring that banks maintain reserves covering all of their deposits is not correct, as the whole point of the fractional reserve system is that banks are only required to hold a fraction of their deposits in reserve.

C. By giving banks the right to print money during periods of economic emergency is not correct as printing money is not the role of banks but of Central Banks.

D. By making sure that all loans are repaid by the borrower's next payday is not correct, as loans are not always repaid on the next payday but over a longer period of time.

Hope This Helps You!

The process of fractional reserve banking add money to the economy by by preserving the value of deposits while loaning deposited money to others. Thus, the correct answer is option A.

Fractional reserve banking is the practise of banks merely holding a portion of their deposits in reserve and lending the remainder. This means that banks can lend out more money than they actually have on hand. When the loans are repaid, the funds are returned to the bank, where they can be given out again, creating fresh money in the economy.

This lending and borrowing process generates fresh money in the economy and contributes to economic growth. The money that is deposited in the bank is not idle, it is put to use by lending it to borrowers, who then use it for various purposes such as investing and purchasing commodities.

Therefore, banks preserving the value of deposits while loaning deposited money to others.

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The effect of effective college and career planning is that it would give a student a clear plan on what he wants to study and the study resources he would need to make it possible.

This college and career planning is key to help the student make better informed decisions about the career he wants and the courses he would study in school.

This refers to the situation where a person makes plans that are feasible that would help his career path.

Hence, we can see that The effect of effective college and career planning is that it would give a student a clear plan on what he wants to study and the study resources he would need to make it possible.

This college and career planning is key to help the student make better informed decisions about the career he wants and the courses he would study in school.

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Kathy Snow wishes to purchase shares of Countdown Computing, Inc. The company's board of directors has declared a cash dividend of $X to be paid to holders of record on Wednesday, [date].

1. A cash dividend is a payment made by a company to its shareholders out of its profits or reserves.
2. In this case, Countdown Computing, Inc. has declared a cash dividend of $X. This means that the company will distribute $X per share to its shareholders.
3. The dividend will be paid to holders of record on a specific date, which is mentioned as Wednesday in the question. Holders of record are the shareholders who are officially registered as owners of the shares on that particular date.
4. Kathy Snow wants to purchase shares of Countdown Computing, Inc. in order to be eligible to receive the cash dividend.
5. To benefit from the dividend payment, Kathy Snow needs to ensure that she becomes a shareholder of record on or before the specified date mentioned in the question.
6. By purchasing shares and becoming a shareholder of record, Kathy Snow will be entitled to receive her share of the cash dividend declared by the company.

It is important to note that the specific date and the amount of the dividend ($X) are missing from the question. Therefore, I have used placeholders to refer to these missing details.

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Based on the information provided, the following statement about Juan's marginal utility is correct His first experiences diminishing marginal utility with the consumption of the fifth candy bar. The correct answer is option d.

Diminishing marginal utility means that as a person consumes more of a particular good or service, the additional satisfaction or utility derived from each additional unit decreases.

In this case, Juan's total utility increases from 0 to 90 as he consumes the first three candy bars, but then it starts to decline. The total utility drops from 90 to 80 when he consumes the fifth candy bar, indicating diminishing marginal utility.

Therefore, his greatest marginal utility comes from his consumption of the third candy bar, not the fourth candy bar.

The correct answer is option d.

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Complete question

The following chart shows the total utility that Juan receives consuming various amounts of chocolate candy bars each day Number of candy bars consumed per day ; Total utility 0 ; 0 1 ; 40 2 ; 70 3 ; 90 4 ; 100 5 ; 80 Which of the following about Juan's marginal utility is correct?

a. His marginal utility from the first candy bar is greater than his marginal utility from the second candy bar

b. His marginal utility from the fourth candy bar is greater than this marginal utility from the third candy bar

c.  His marginal utility increases at a constant rate

d.  His first experiences diminishing marginal utility with the consumption of the fifth candy bar

e. His greatest marginal utility comes from his consumption of the fourth candy bar

The process through which the union and management negotiate pay, benefits and other work terms is Collective bargaining.

Collective bargaining refers to a method of negotiating where the entire number of employees or at the very least, a significant number, are negotiated for by a single body such as a Trade or Labor Union. It is called collective bargaining because the employees are collectively negotiated for by one body.

The main benefit of Collective bargaining is that the Unions are able to negotiate from a stronger position with management. This is because if they told their clients (employees) to stop working, it could severely affect operations. As a result, the unions are able to use Collective bargaining to negotiate higher pay, benefits, and any other work terms needed.

In conclusion, the negotiation by Unions and management is known as collective bargaining.

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Based on the graph shown above, the following is the equilibrium quantity and price at which the company should sell the truck: option B. 300 trucks at $6 per truck

In economics, an equilibrium quantity and price refers to a state in which the quantity of a good or service that a seller is willing to supply is equal to the quantity that a buyer is willing to demand, and the price at which this transaction occurs is the equilibrium price. This is also known as market equilibrium.

At the equilibrium price, there is no surplus or shortage of the good or service, and the market is said to be in balance. If the price is higher than the equilibrium price, there will be a surplus of the good or service, and if the price is lower than the equilibrium price, there will be a shortage.

The equilibrium quantity and price are determined by the interaction of supply and demand in a market. When the supply and demand curves intersect, the equilibrium quantity and price are established.

Therefore, the correct answer is as given above

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The complete question goes thus:

A toy company created a new truck to offer to consumers.

Based on the graph shown above, which of the following is the equilibrium quantity and price at which the company should sell the truck?

A. 200 trucks at $8 per truck

B. 300 trucks at $6 per truck

C. 400 trucks at $8 per truck

D. 200 trucks at $4 per truck

Answer: Entrepreneur

Explanation:

Being self employed

Companies that sell finished or unfinished goods and services directly to the primary company are called suppliers or vendors.

Suppliers play a crucial role in the supply chain by providing the necessary inputs or resources required for the production of goods or the provision of services.

They can offer raw materials, components, equipment, or even specialized services that are essential for the primary company's operations. Suppliers often have established relationships with the primary company and work closely to meet their specific requirements.

Effective supplier management is important for ensuring a reliable and efficient supply chain, as it directly impacts the quality, cost, and timeliness of the primary company's products or services.

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What's the problem? I'd be happy to help you if you would be willing to specify what you need help with.

The following is NOT part of a good organizational crisis management plan:  Designate about half a dozen people to speak on behalf of the organization. The correct option is D.

While it may seem like having a designated group of people to speak on behalf of the organization during a crisis would be helpful, it can actually lead to confusion and inconsistencies in messaging.

Instead, a good crisis management plan should have a clear and centralized communication strategy with designated spokespersons who are trained and authorized to speak on behalf of the organization.

Moving on to your second question, the redesign of healthcare has several goals, but: sustaining a one size fits all model to ensure efficiency is not one of them. In fact, the current trend in healthcare is to move away from a one size fits all approach and towards personalized, patient-centered care.

The goals for the redesign of healthcare include controlling healthcare costs, enhancing patients' healthcare experiences, and improving overall community health.

Achieving these goals will require a shift towards a more proactive and preventative approach to healthcare, as well as increased collaboration and communication among healthcare providers, patients, and communities.

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Complete question:

According to your book, which of the following is NOT part of a good organizational crisis management plan?

a) Educate people about how to handle a crisis.

b) Let people know whom to contact at the first sign of crisis.

c) Develop good relationships with media professionals.

d) Designate about half a dozen people to speak on behalf of the organization.

Which of the following is NOT a goal for the redesign of health care?

a) Controlling health care costs

b) Enhancing patients' health care experiences

c) Improving overall community health

d) Sustaining one size fits all models to ensure efficiency

C. Marginal utility refers to the additional satisfaction or benefit that a person derives from consuming one more unit of a good. The marginal utility from each extra unit of a good decreases when a person obtains more of it. This concept is known as the law of diminishing marginal utility.

For example, if a person eats one chocolate, they may derive a lot of satisfaction from it. However, if they eat two or three chocolates, the satisfaction derived from each additional chocolate may decrease. This is because the person's hunger has been satisfied to some extent and they are now getting less and less satisfaction from each additional chocolate they consume.

The law of diminishing marginal utility is important for understanding consumer behavior and the demand for goods. It suggests that consumers are more likely to purchase more of a good at lower prices and less likely to purchase more at higher prices. This is because the marginal utility of a good decreases as a person consumes more of it, and they are more likely to be sensitive to changes in the price of a good that they have a lot of experience with.

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Answer:

C or A

Explanation:

I could answer better with more context

Answer:

Semistructured decisions

Explanation:

From the question, we are informed about Roy Sartore who has been hired to oversee all of the plans that the city of Denver has created to expand its train transportation system by adding six more lines to the metro area. Roy will be responsible for planning the project, managing the processes, and finalizing each new line as it is completed. In this case, the majority of the decisions Roy will have to make to complete his job would be categorized as Semistructured decisions. A semi-structured decision can be regarded as type of decision whereby most of the factors that is required to make the decision are been known, though human experience as well as other outside factors can still play a role in the decision making. Another instance of this semi-structured decision making is when diagnosing a medical condition.

Factors that Influence the business environment are :

The business environment means the total of all the individuals, and institutions that could affect the working of the business firm.

Importance of business environment:

The economic environment is all the things that create an economic impact on the firm.

The social environment is all the traditions and customs of the society that creates an impact on the firm.

The technological environment is all the impact on the firm caused due to new technology and upgradations.

The political environment is the conditions and behavior that the elected representatives hold toward the business

The legal environment is entirely based on the rules and legislation of the authorities.

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Answer:

True

Explanation:

Cover letter need to be drafted very carefully. A good cover letter comprises of no typos error or mistakes such as incorrectly spelled name of the company, incorrectly mentioned dates, etc.

In case of any such errors, chances of rejection are high at the initial stage only.

Hence, it can be said that even a single error in the cover letter can Eliminate an application from being considered for employment

Thus, the given statement is true

Answer and Explanation: 1

Answer and Explanation: 1A market surplus is when the quantity supplied of a good is greater than the quantity demanded. We can also say there is excess supply. This happens at a certain price that is above the market equilibrium which causes more of a product to be supplied than consumers are willing to buy. It is the opposite of a shortage.

Answer and Explanation: 1A market surplus is when the quantity supplied of a good is greater than the quantity demanded. We can also say there is excess supply. This happens at a certain price that is above the market equilibrium which causes more of a product to be supplied than consumers are willing to buy. It is the opposite of a shortage.The market attempts to resolve the surplus by pushing the price down until it is at its equilibrium. A lower price will reduce the quantity supplied and increase the quantity demanded.

Small employers with few employees, particularly those who do not have the resources to provide their own healthcare, are often in need of low-cost healthcare. In the United States, the Affordable Care Act has established rules for small employers to provide healthcare options to their employees.

The small employer carrier must offer at least one small group health benefit plan to small employers who meet their requirements. Small employer carriers must actively offer to small employers at least one healthcare benefit plan.

In addition, they must also offer at least one catastrophic health benefit plan as well.

To encourage carriers to participate in the Small Group market and to provide employees with an adequate choice of plans, every small employer carrier must actively offer at least one healthcare benefit plan to small employers.

It is important for small employers to remember that healthcare policies are intended to meet the healthcare needs of their employees. For example, catastrophic health plans are ideal for employees who are healthy and do not require frequent doctor visits.

Healthcare insurance providers have to keep their plans in line with the law. Their policy coverage should include essential benefits such as ambulance service, hospitalization, emergency services, prescription drugs, and more.

Thus, if you are a small employer carrier, you must offer your employees a minimum of one healthcare benefit plan and one catastrophic health benefit plan.

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Answer:

a) Probability of prostrate cancer given a positive test is P(C|+) = 0.0213

b) Probability of cancer given a negative test is P(C|-) = 0.0161

c) Probability of prostrate cancer given a positive test is P(C|+) = 0.3137

d) Probability of cancer given a negative test is P(C|-) = 0.2553

Explanation:

Probability male patient has prostate cancer, P(C) = 0.02

Probability male patient does not have prostrate cancer P(C') = 1 - 0.02 = 0.98

Probability of a positive test given there is no cancer, i.e. P(false positive) = P(+|C') = 0.75

P(negative test given there is cancer) = P(false negative) = P(-|C) = 0.2

P(negative test given there is no cancer) is the complement of P(+|C') = P(-|C') = 1 - 0.75 = 0.25

Probability of positive test given there is prostrate cancer, P(+|C) is the complement of P(-|C), = 1 - 0.2 = 0.8.

a) Probability of prostrate cancer given a positive test is P(C|+)

According to Baye's theorem, P(C|+) = P(+|C)P(C)/P(+)

For P(+), we use the Law Of Total Probability: P(+) = P(+|C)P(C) + P(+|C')P(C')

P(+) = (0.8 * 0.02) + (0.75 * 0.98) = 0.751

Therefore, P(C|+) = P(+|C)P(C)/P(+)

P(C|+) = (0.8 * 0.02)/0.751 = 0.0213

b) Probability of cancer given a negative test is P(C|-)

According to Baye's theorem, P(C|-) = P(-|C)P(C)/P(-)

P(-) = P(-|C)P(C) + P(-|C')P(C')

P(-) = (0.2 * 0.02) + (0.25 * 0.98) = 0.249

Therefore, P(C|-) = (0.2 * 0.02)/0.249

P(C|-) = 0.0161

Part 2: Given the following;

Probability male patient has prostate cancer, P(C) = 0.3

Probability male patient does not have prostrate cancer P(C') = 1 - 0.3 = 0.70

Probability of a positive test given there is no cancer, i.e. P(false positive) = P(+|C') = = 0.75

P(negative test given there is cancer) = P(false negative) = P(-|C) = 0.2

P(negative test given there is no cancer) is the complement of P(+|C') = P(-|C') = 1 - 0.75 = 0.25

Probability of positive test given there is prostrate cancer, P(+|C) is the complement of P(-|C), = 1 - 0.2 = 0.8.

c) Probability of prostrate cancer given a positive test is P(C|+)

According to Baye's theorem, P(C|+) = P(+|C)P(C)/P(+)

For P(+), we use the Law Of Total Probability: P(+) = P(+|C)P(C) + P(+|C')P(C')

P(+) = (0.8 * 0.3) + (0.75 * 0.7) = 0.751

Therefore, P(C|+) = P(+|C)P(C)/P(+)

P(C|+) = (0.8 * 0.3)/0.765 = 0.3137

d) Probability of cancer given a negative test is P(C|-)

According to Baye's theorem, P(C|-) = P(-|C)P(C)/P(-)

P(-) = P(-|C)P(C) + P(-|C')P(C')

P(-) = (0.2 * 0.3) + (0.25 * 0.7) = 0.235

Therefore, P(C|-) = (0.2 * 0.3)/0.235

P(C|-) = 0.2553

Prostate cancer is a type of cancer that can be detected by the PSA test. The probability of prostate cancer given a positive test is 0.0213 and 0.3137.

Prostate-specific antigen (PSA) test is a diagnostic test that screens for prostate cancer and is a blood test.

Given,

Probability of prostate cancer P(C) = 0.02

Probability of absence of prostate cancer P(C') = 0.98

Probability of false positive P(+|C') = 0.75

Probability of false negative P(-|C) = 0.2

Probability of absence of cancer in negative test = 0.25

Probability of presence of cancer in positive test = 0.8

The probability of the male patient suffering from prostate cancer in case of a PSA reading of 0.0214 is,

By Baye's theorem:

\(\begin{aligned} \rm P(C|+) &= \rm \dfrac{ P(+|C)P(C)}{P(+)}\\\\\rm P(+) &= (0.8 \times 0.02) + (0.75 \times 0.98)\\\\&= \dfrac{(0.8 \times 0.02)}{0.751} \\\\&= 0.0213\end{aligned}\)

The probability of cancer given a negative test P(C|-) is calculated as:

\(\begin{aligned} \rm P(-) &= \rm P(-|C)P(C) + P(-|C')P(C')\\\\\rm P(C|-) &= \dfrac{(0.2 \times 0.02)}{0.249}\\\\&= 0.0161\end{aligned}\)

For the next part, the probability of prostate cancer given a positive test P(C|+) is calculated as:

\(\begin{aligned} \rm P(C|+) &= \rm \dfrac{P(+|C)P(C)}{P(+)}\\\\\rm P(C|+) &= \dfrac{(0.8 \times 0.3)}{0.765} \\\\&= 0.3137\end{aligned}\)

The probability of cancer given a negative test P(C|-) is calculated as:

\(\begin{aligned} \rm P(-) &= \rm P(-|C)P(C) + P(-|C')P(C')\\\\\rm P(C|-) &= \dfrac{(0.2 \times 0.3)}{0.235}\\\\& = 0.2553\end{aligned}\)

Therefore, the probability of prostate cancer with a positive test is 0.0213.

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Jennifer and Brad intend to wed. Before getting hitched, they decide that Brad will give Jennifer only $100,000 in the settlement if they get divorced. This Agreement shall be in writing to be enforceable under the statute of frauds.

A legal principle is known as the statute of fraud mandates that certain kinds of transactions be completed in writing. The law covers agreements involving the sale of real estate, transactions involving items valued at more than $500, and agreements lasting a year or longer.

The statute of fraud was predominantly established in the United States as common law or unwritten law. In most states, it has since been institutionalized by statutes. The defendant may assert it as a defense in a breach of contract proceeding when the statute of fraud is relevant.

In fact, for the defense to be effective, they frequently must do so positively. In this situation, the plaintiff has the burden of proof. It is the burden of the plaintiff to prove that a legal contract actually existed.

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Aarp expects agents offering aarp-branded products to demonstrate five key behaviors when interacting with customers. Aarp wants customers we work with to feel their relationship with aarp is effortless and inspiring.

Customer interaction involves rendering services to customers by business either through social media or physical contact.

For interactions with customers to be effective, there must be:

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The balance on a credit card, that charges a 20% APR interest rate, the Finance charge is given as

$4.3055

This is further explained below.

Generally, The interest rate that is applied to a loan, mortgage loan, credit card, etc. is referred to as an annual percentage rate of charge, which sometimes corresponds to a nominal APR and sometimes corresponds to an effective APR.

The annual percentage rate of charge is the interest rate for the entire year, as opposed to just a monthly fee or rate. It is a fee for financing that is presented in the form of an annual rate.

Interest rate APR = 12%

Average balance = ((200*5)+(350*15)+(150*10))/30

Average balance = $258.33

Average balance*APR/12

Finance charge =\(\frac{258.33*20 \%}{12 }\)

Finance charge = $4.3055

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Answer: i think it is,

creating laws that impose fines and jail time for identity thieves.

Option A : Creating laws that impose fines and jail time for identity thieves.

The Federal Government is composed of three distinct branches: legislative, executive, and judicial, whose powers are vested by the U.S. Constitution in the Congress, the President, and the Federal courts, respectively.

A state government is the government that controls a subdivision of a country in a federal form of government, which shares political power with the federal or national government. A state government may have some level of political autonomy, or be subject to the control of the federal government.

Thus, Federal and state governments protect victims of identity theft by

creating laws that impose fines and jail time for identity thieves by

passing laws requiring financial institutions to reimburse victims.

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Adam smith believed that Free Market was essential to the survival of any economy.

Free-market capitalism is an economic system that encourages the free flow of capital and the exchange of goods between individuals and nations without the intervention of governments to regulate that flow. People in a free market will price goods and services more effectively than the government.

Smith proposed that free trade would benefit both individuals and society as a whole. He believed that governments should not impose policies that hampered free trade, both domestically and internationally. He believed that government had an important role to play like enforcing contracts and grant patents and copyrights to encourage inventions and new ideas.

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