When the wage rate increases, the opportunity cost of leisure time Choose one: A. is not impacted. B. increases. C. decreases.

Answers

Answer 1

When the wage rate increases, the opportunity cost of leisure time increases.(B)

When the wage rate increases, the value of each hour spent working rises, making leisure time more expensive in terms of forgone income. In other words, the opportunity cost of leisure time, which is the income you could have earned by working instead of taking leisure, increases.

This higher opportunity cost may encourage people to work more hours, since they have more to gain financially from working than from taking leisure time.

On the other hand, some people may choose to maintain or even reduce their work hours, since they can now earn the same income in less time. Ultimately, the choice depends on an individual's preferences and priorities, but the overall effect is that an increased wage rate leads to a higher opportunity cost for leisure time.(B)

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Related Questions

the tucker family has health insurance coverage that pays 85 percent of out-of-hospital expenses after a deductible of $1,140 per person. if one family member has doctor and prescription medication expenses of $2,900, what amount would the insurance company pay?

Answers

The amount that the insurance company would pay is $1496 if it pays 85 percent of out-of-hospital expenses after a deductible of $1,140 per person.

The amount that the insurance company would pay can be determined by first subtracting the deductible per person from the doctor and prescription medication expenses and then multiplying it by the percentage that the health insurance pays.

As the deductible per person is $1140 and the doctor and prescription medication expenses are $2,900, therefore;

$2900 - $1140 = $1760

As health insurance coverage pays 85% of the expenses, therefore;

amount paid by insurance company = 85% of $1760

amount paid by insurance company = (85/100) × 1760

amount paid by insurance company = 0.85 × 1760

amount paid by insurance company = $1496

Therefore; the amount paid by the insurance company is calculated to be $1496.

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as commander in chief, the president has the power to...

oversee the senate.
call the military into action.
remove supreme court justices.
control political parties.

Answers

Answer:

Call the military into action

Explanation:

A "commander in chief" is the one that exercises control over the military. With that power, of course, comes the ability to call them into action.

you have to wait until it says i posted it 1 minute ago if answer before u will be elminated 2 more to go

Answers

Answer:

GG

Explanation:

GG

Answer:

Yay I finally got to say something! Hi I hope you have had a good day! :) I would love to be brainliest because I never have been :')

Explain the concept of market and market identification.
Identify communications channels used in sales promotion.
Explain types of advertising media.
Describe effective advertising layouts.
Write copy for advertisements.

Answers

Copywriting for advertisements should be concise and to the point, utilize descriptive language, use active voice, include an attention-grabbing headline, and provide a clear call-to-action.

What is Copywriting?

Copywriting is the practice of crafting words and phrases in order to create promotional materials that are designed to sell products or services. It requires a great deal of creativity and an ability to write in an engaging and persuasive manner. Copywriting involves researching, understanding the target audience, creating attention-grabbing headlines and crafting persuasive copy to persuade readers to take action. It is an essential part of the marketing process and can be used to effectively reach potential customers and increase sales. Copywriters use a variety of techniques to create effective copy, such as using powerful words, creating vivid imagery, and making use of persuasive language. Copywriters must be able to understand the needs of their target audience, create compelling headlines and body copy, and be able to effectively target the right people. In addition, copywriters must be able to measure the success of their copy and make adjustments based on the results.

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What is the difference between an annuity and a perpetuity cash flows? Give two examples of each.

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An annuity has a limited term with a predetermined number of cash flows, while a perpetuity has an infinite duration with an ongoing stream of cash flows.

An annuity refers to a series of equal cash flows that occur at regular intervals over a specified period. The cash flows have a definite end date, and the term of the annuity can be a fixed number of years.

Examples of annuity cash flows include a mortgage loan where the borrower makes monthly payments for a predetermined number of years, or a lottery prize that is paid out in equal installments over a specified period.

On the other hand, a perpetuity represents cash flows that continue indefinitely, without a specific end date. The cash flows of a perpetuity are typically received at equal intervals, and they continue indefinitely into the future.

Examples of perpetuity cash flows include dividend payments from a well-established company that is expected to continue paying dividends indefinitely, or a perpetual bond that pays interest to bondholders indefinitely without a maturity date.

In summary, the key distinction between an annuity and a perpetuity lies in the duration of the cash flows. An annuity has a limited term with a fixed number of cash flows, while a perpetuity has an infinite duration with ongoing cash flows that continue indefinitely.

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What is the effect of credit card interest on the real cost of items?

Answers

Answer:

Credit card interest rates, also known as finance charges, vary from one card issuer to another and may also vary across different credit cards from the same issuer. Before getting a credit card, you must be aware of the interest rate charged on it. Unlike other loans, credit card interest rates are usually not linked to the user’s credit score and repayment capacity. Every credit card has a preset finance charge and it will be the same for all the customers.

The most important point to note here is that interest is charged on credit cards only if you have not paid the outstanding amount in full or withdrawn cash from ATMs using the credit card. No interest is charged when you clear your credit card dues on time.

True or false is April 15th is an important date for people who have a job.

Answers

Answer:

true

Explanation:

its Tax Day so they are very busy

What benefits might a company obtain from the globalization of markets?

What global organizations have helped expand globalization?

What technological innovations are helping to propel globalization?

In the debate over jobs and wages

opponents of globalization say that it does what?

supporters of globalization say that it does what?

Describe the global business environment and each of its four elements?

How does managing an international firm differ from managing a purely domestic business?

Answers

The globalization of markets can provide companies with benefits such as increased market opportunities, access to a larger customer base,

economies of scale, reduced costs through global sourcing, and the ability to leverage global talent and resources.Global organizations such as the World Trade Organization (WTO), International Monetary Fund (IMF), and World Bank have played a crucial role in expanding globalization by promoting free trade, establishing global economic policies, and providing financial assistance to countries. Technological innovations like the internet, communication technologies, and transportation advancements have greatly propelled globalization by facilitating faster and more efficient global communication, enabling cross-border transactions, and connecting markets and businesses worldwide. In the debate over jobs and wages, opponents of globalization argue that it leads to job losses in developed countries, lowers wages, increases income inequality, and exploits workers in developing countries. Supporters of globalization argue that it creates new job opportunities, enhances productivity and economic growth, promotes innovation, fosters cultural exchange, and lifts people out of poverty by integrating economies and expanding trade.The global business environment comprises four elements: economic, political/legal, sociocultural, and technological. The economic element refers to factors such as economic growth, inflation rates, and exchange rates. The political/legal element includes government regulations, trade policies, and legal systems. The sociocultural element considers social norms, values, and demographics. The technological element encompasses advancements in technology and their impact on business operations. Managing an international firm differs from managing a purely domestic business in several ways. International firms face additional complexities such as navigating different legal and regulatory frameworks, cultural differences, currency fluctuations, language barriers, and logistical challenges. They require a deeper understanding of global markets, cross-cultural communication skills, and the ability to adapt strategies to local contexts. International firms also need to manage risks associated with political instability, trade barriers, and exchange rate fluctuations, among others.

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2. Jordan gets confused and uses his credit card to get $40 in cash from an ATM instead of
using his debit card. Based on this agreement, what is the impact of this decision?

a. There is no impact since credit card and debit card terms tend to be the same.

b. A $10 cash advance fee will be charged ONLY.

c. An A.P.R. of 25.24% will be applied on the $40 until it is paid back ONLY.

d. A $10 cash advance fee will be charged AND an A.P.R. of 25.24% will be applied on the
$40 until it is paid back.

Answers

Based on this agreement, the impact of this decision is D. A $10 cash advance fee will be charged AND n A.P.R. of 25.24% will be applied on the $40 until it is paid back.

What is APR?

The annual percentage rate (APR) is the interest generated by a sum charged to borrowers or paid to investors each year. APR is a percentage that represents the actual yearly cost of funds over the life of a loan or the income earned on an investment. This includes any fees or additional costs associated with the transaction but excludes compounding.

The APR provides consumers with a single number that they can use to compare lenders, credit cards, and investment products.

Since Jordan gets confused and uses his credit card to get $40 in cash from an ATM instead of using his debit card, a cash advance fee will be taken.

In conclusion, the correct option is D.

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The demographic information will tell you where to find the customers.

T
True
or
F
False

Answers

It should be F because the graphic information tells how many males and females there are so it doesn’t tell you where to find customers. It tell how many customers are there in percentages. If I’m wrong I am sorry

Workers often do not understand what the goals of the organization actually are, and this could be resolved by making sure goals are?.

Answers

The problem can be resolved by making sure that organizational goals are made relevant and taught to the workers.

The objectives that organizations want to accomplish are referred to as relevant organizational goals. In an effort to reach the desired state of profitability, success, and sustainability, organizational goals are developed. The organizational goals of an organization are stated in the mission or vision statement, and the specifics of those goals are described in the business plans.

Setting organizational goals, teaching them to workers, takes place over a longer period of time for both immediate and distant future relevant scenarios. A long-term objective is anything the organization intends to accomplish in the next one to five years, while a short-term goal is anything the organisation hopes to accomplish in the next six months to a year.

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The student body president of WestPark University submitted a formal request to the IT department for additional computers in the main computer lab. In this situation, the student body president is the ________ in the buying center.

Answers

In this situation, the student body president of West Park University is considered the "user" in the buying center. The buying center is a group of individuals involved in the organizational decision-making process for purchasing goods or services.

The user, in this case, is the one who directly benefits from the additional computers in the main computer lab. The student body president, being the representative of the student body, is the one who initiates the request and advocates for the purchase of additional computers.

They play a crucial role in identifying the needs and requirements of the end-users and voicing their concerns to the IT department. Ultimately, the student body president acts as the user influencer in the buying center, exerting influence over the purchasing decision to fulfill the needs of the student body.

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A healthcare organization’s insurance coverage is:

the amount that the insurance company will pay for costs associated with risks

the amount that the healthcare organization pays to the insurance company

the amount that the healthcare organization pays for costs associated with risks

the amount that the healthcare organization will pay for a legal case

Answers

Answer:

A

Explanation:

the answer to this question is a

Answer:

A

Explanation:

- the amount that the insurance company will pay for costs associated with risks

correct on Edge

Using the following values: earned value = 8,000, planned value = 4,000, actual cost = 3,000, calculate cv (cost variance).

Answers

The cost variance is 5000. Using the formula CV = EV - AC. First, substitute the values into the formula: CV = 8000 - 3000 = 5000. The CV represents the difference between the earned value (EV) and the actual cost (AC).

In this case, the earned value is 8000 and the actual cost is 3000. By subtracting the actual cost from the earned value, we get a positive value of 5000, indicating that the project is under budget.

The CV measures the cost performance of a project, and a positive value suggests that the project is performing better than expected in terms of cost. Therefore, the cost variance is 5000. This shows that the project has a positive deviation of 5000, indicating cost savings.

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What must be rejected in a delivery?

Answers

When receiving a delivery, it is important to check the quality and accuracy of the items. Any items that have been damaged, spoiled or are not the items that were ordered must be rejected.

It is important to document all items that have been rejected and inform the delivery person of the reasons why they were rejected. This will help ensure that the company can take corrective action to prevent similar problems in the future. It is also important to inform the company of any items that were missing from the delivery. Refusal is an important part of the process as it ensures that customers receive what they ordered and that any issues are resolved promptly.

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William and Charlotte Collins divorced in November of year 1. William moved out and Charlotte remained in their house with their 10-month-old daughter Autumn. Diana, Charlotte's mother, lived in the home and acted as Autumn's nanny for all of year 1. William provided 70% of Autumn's support, Diana provided 20%, and Charlotte provided 10%. When the time came to file their tax returns for year 1, William, Charlotte, and Diana each wanted to claim Autumn as a dependent. Their respective AGIs for year 1 were $50,000, $35,000, and $52,000. Who has priority to claim Autumn as a dependent?
A. William.
B. Charlotte.
C. Diana.
D. They must negotiate amongst themselves.

Answers

Answer: B. Charlotte

Explanation:

Preference is given to people that live with the dependent so this puts William at the least priority because he doesn't live with Autumn thereby leaving Charlotte and her mother.

Preference is then given to the biological parents of the dependent which means that Diana is has second priority. Charlotte is therefore the the most preferred to claim her daughter as a dependent which would allow her greater tax deductions.

When a salesperson says or does something that creates agency such as giving advice to a customer, giving an opinion to a customer, or negotiating on the customer's behalf the licensee has:

Answers

Answer:

implied agency

Explanation:

The implied agency refer to an agency that is established from the principal and agent conduct. It develops the agency relationship. It is a real agency and a fact to be proved

Therefore as per the given situation since it is mentioned that at the time when the salesperson said or do something that establish the agency so this represent the implied agency

Therefore the same is to be considered

What the person above me said

Explanation:

i just took the asignment.

A monopoly’s supply curve is the portion of its marginal cost curve that lies above its average variable cost curve.

a. True

b. False

Answers

The statement "A monopoly’s supply curve is the portion of its marginal cost curve that lies above its average variable cost curve" is true.

A monopoly's supply curve is determined by its marginal cost curve above the point where it intersects with the average variable cost curve. This is because the supply of a firm is determined by its marginal cost (MC), which is the additional cost incurred for producing an additional unit of output.

In the short run, a monopoly may produce where marginal cost is greater than average variable cost but less than average total cost. This is because it is still profitable to produce if the price exceeds the marginal cost but it is not profitable if the price is less than the average cost. When the price is below the average variable cost, the monopolist would choose to shut down.

Therefore, the monopolist's supply curve is equivalent to the upward-sloping portion of its marginal cost curve that lies above its average variable cost curve, indicating that the firm will only produce where it can cover the variable costs and contribute to profit. As a result, a monopoly can restrict production and charge a higher price than in a competitive market, which can result in a reduction in social welfare.

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Productivity, dependability, and responsibility are examples of skills that managers look for when determining who to promote within a company. Evaluate these three skills and another one or two that you come up with and explain how each skill could be helpful for an employee looking to get a promotion.

Answers

A dependable employee is an incredible asset to a company, as they make great coworkers, can be trusted to do their jobs. Productivity and responsibility are important aspects for the promotion.

What is a dependable employee?

A dependable employee is a fantastic addition to a company because they make excellent teammates, can be trusted to execute their tasks without micromanagement, and empower others to accomplish their jobs effectively. As a result, being recognized as a dependable employee can help you stand out as an attractive prospect.

Every organization wants a productive employee who is responsible for the success of the organization as well as for his personal gains.

Being reliable implies doing what you say you'll do, when you say you'll do it. A reliable individual fosters trust by keeping himself/herself accountable and, if they lead others, their team members accountable as well.

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Using the allowance method of accounting for uncollectibles, when is bad debt expense recorded ?.

Answers

The allowance method estimates bad debt expense at the end of the fiscal year, setting up a reserve account called allowance for doubtful accounts.

An allowance is a quantum of plutocrats given or distributed generally at regular intervals for a specific purpose. In the environment of children, parents may give an allowance to their child for their eclectic particular spending. In a nutshell, an allowance can give children the necessary first-hand experience of handling their own plutocrats and making their own opinions and miscalculations to allow them to learn further about good particular financing.

An allowance is a quantum of else taxable income that you can earn each time, without paying duty on it. A work allowance is a quantum that you can earn before your Universal Credit payment is affected. You'll be eligible for a work allowance if you( and/ or your mate) either have responsibility for a child. limited capability for work.

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I need help asapppppp!

I need help asapppppp!

Answers

B) Internet bank i think

Select the correct answer.
What is the purpose of a 1098 tax form?
ОА.
to report interest income from bank accounts
OB.
to report dividends or capital gains from stock investments
Ос. .
to report federal income taxes withheld by an employer
OD.
to claim qualified expenses such as deductions or credits
O E.
to correct mistakes on an already filed tax return
Reset
Next

Select the correct answer.What is the purpose of a 1098 tax form?.to report interest income from bank

Answers

Answer:

D.  to claim qualified expenses such as deductions or credits

Explanation:

To find - What is the purpose of a 1098 tax form?

Solution -

The correct option is - D.  to claim qualified expenses such as deductions or credits

Reason -

Form 1098 T tuition statement is an american IRS tax form filed bu eligible educational institutions(or those filing on the institutional's behalf)

To report payments received and payments due from the paying students.

The institution has to report a form for every student that is currently enrolled and paying qualifying tuition and related expense.

3- Use the following data to answer the questions below:
Category
Billions of Dollars
Consumption $200
Investment $ 50
Government Spending $ 60
Exports $ 70
Imports $ 80
Depreciation $ 10
Foreign Factor Income $ 10
Please answer in whole numbers.
a. How much is net exports? $
b. How much is net investment? $
c. How much is GDP? $
d. How much is Net Domestic Product? $
e. How much is National Income?$

Answers

Explanation:

a. Net exports = Exports - Imports = $70 - $80 = -$10 b. Net investment = Investment - Depreciation = $50 - $10 = $40 c. GDP = Consumption + Investment + Government Spending + Net Exports = $200 + $50 + $60 - $10 = $300 d. Net Domestic Product = GDP - Depreciation = $300 - $10 = $290 e. National Income = Net Domestic Product + Foreign Factor Income = $290 + $10 = $300

how would you develop a prospect listunder the following situation? you sell paper shredding and disposal services (for sensitive documents) to businesses.

Answers

To develop a prospect list for selling paper shredding and disposal services to businesses, you can follow these steps: 1. Identify your target market: Determine the types of businesses that would require paper shredding and disposal services for sensitive documents.

This may include industries such as healthcare, legal, finance, or any business that deals with confidential information. 2. Research industry directories: Look for industry-specific directories or databases that list businesses in your target market. These directories often provide contact information, making it easier for you to reach out to potential prospects. 3. Attend industry events: Participate in trade shows, conferences, or networking events related to the industries you are targeting. This allows you to connect with potential prospects face-to-face and build relationships. 4. Utilize online platforms: Utilize online platforms such as LinkedIn or business directories to search for businesses in your target market. These platforms often provide company profiles, which can help you identify potential prospects. 5. Ask for referrals: Reach out to your existing customers or professional contacts and ask for referrals. Word-of-mouth recommendations can be highly valuable in generating new leads. 6. Create a lead capture form on your website: Include a lead capture form on your website where visitors can provide their contact information if they are interested in your paper shredding and disposal services. This allows you to generate leads directly from your website. 7. Cold calling or cold emailing: Use the information gathered from your research to make cold calls or send cold emails to potential prospects. In your communication, highlight the benefits of your paper shredding and disposal services and how they can meet their specific needs. By following these steps, you can develop a prospect list for selling paper shredding and disposal services to businesses in your target market.

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What is interpersonal?

Answers

Answer:

having the ability to relate to and connect with others

For external reporting, income statements are generally prepared using.

Answers

For any form of external reporting, income statements are generally prepared using Absorption variable and Variable costing costing is used for internal decision making purposes.

What are the  income statements?

The income statement is one that is based on some key items such as revenue, expenses, loss, etc.

An income statement is said to be a form of financial report that gives details a company's income and expenses in course of a reporting period.

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After a job interview, you should _____.
A. Celebrate
Write a thank you letter
call the interviewer immediately to see if you got the job
call your friend to tell them about the interview

Answers

Answer:

I think that after a job interview you should call your friend and tell them about the interview you should not celebrate because you don't know if you've gotten the job and if you call your friend they might give you hope on getting the job

ACTIVITY 2.
Identify and explain briefly the question below
1 What are the 4P's in marketing plan?Explain each
А__________
B__________
С__________
D__________​

Answers

Answer:

A. Product

B. Price.

C. Place.

D. Promotion.

Explanation:

Marketing plan can be defined as the choices about product attributes, pricing, distribution, and communication strategy that a company blends and offer its targeted markets (customers) so as to build and maintain a desired response.

Generally, a marketing plan is made up of the four (4) Ps and these includes;

1. Products: this is typically the goods and services that gives satisfaction to the customer's needs and wants. They are either tangible or intangible items.

2. Price: this represents the amount of money a customer buying goods and services are willing to pay for it.

3. Place: this represents the areas of distribution of these goods and services for easier access by the potential customers.

4. Promotions: for a good sales record or in order to increase the number of people buying a product and taking services, it is very important to have a good marketing communication such as advertising, sales promotion, direct marketing etc.

a. What is the correlation between Employee Engagement and Sales Revenue?
b. Consider the sign and the magnitude of the correlation. How would you describe the nature of the relation between Engagement and Sales Revenue to a manager who does not know what a correlation coefficient means?
c. What is the correlation between Job Satisfaction and Customer Satisfaction?
d. Consider the sign and the magnitude of the correlation. How would you describe the nature of the relation between Job Satisfaction and Customer Satisfaction?

Answers

The correlation between Employee Engagement and Sales Revenue measures the strength and direction of the relationship between the two variables.

A positive correlation means that as Employee Engagement increases, Sales Revenue also increases, and vice versa. A negative correlation indicates that as Employee Engagement increases, Sales Revenue decreases, and vice versa.

To describe the nature of the relationship between Employee Engagement and Sales Revenue to a manager who doesn't know what a correlation coefficient means, you could say: "When employees are more engaged, they tend to generate higher sales revenue.

If engagement is low, it's likely that sales revenue will also be low. The strength of this relationship depends on the magnitude of the correlation – the closer it is to 1 or -1, the stronger the relationship."

The correlation between Job Satisfaction and Customer Satisfaction measures how the satisfaction levels of employees and customers are related. A positive correlation suggests that when employees are satisfied with their job, customers are more likely to be satisfied as well. A negative correlation indicates that job satisfaction does not positively impact customer satisfaction.


To describe the nature of the relationship between Job Satisfaction and Customer Satisfaction, you could say: "If there is a positive correlation, it means that happy employees often lead to happy customers. The stronger the correlation, the more closely these two variables are related. If the correlation is weak or negative, it suggests that there may not be a strong connection between employee and customer satisfaction."

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Many small businesses rely on factoring as a source of short-term financing because Multiple Choice interest paid to a factor qualifies for a tax credit. small firms often find it difficult to qualify for bank loans. factoring provides a much cheaper source of funds than bank loans. loans provided by factors do not require collateral.

Answers

Factoring is a popular short-term finance option for many small enterprises because Small businesses frequently struggle to obtain bank loans. So, "small firms often find it difficult to qualify for bank loans" is the correct answer.

Why do small businesses rely on short-term financing?

Short-term loans are more common for small firms than long-term debt funding.

Short-term loans are frequently preferred by businesses over factoring or merchant cash advances, which have higher interest rates and terms.

An unsecured business line of credit may be more difficult to obtain than this sort of loan.

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state the function of the noun clause in the sentence below "I think I will win" what is the danger of simply using past losses to estimate future losses Write preventive measures of misuse of internet in points. in one sentence, summarize what you understand of the central limit theorem. Read the excerpt from Act I of Hamlet. Hamlet: The air bites shrewdly; it is very cold. Horatio: It is a nipping and an eager air. Which adaptation best maintains the original meaning and tone of the underlined part of the excerpt? The air is painfully freezing. The air wont leave me alone. The air is like a wild animal. The air is colder than ever 64,377,83The 7 in the ones place is ___ the value of the 7 in the tens place . 4. Analyze the two maps about Hinduism and Buddhism. Write 5-8 sentences comparing the spread of Hinduism and Buddhism, using the information from the maps and your own prior knowledge. what is the final volume when 20.00 ml of 3.00 m nacl solution is diluted to a final concentration of 0.100 m? If x=2, What is y? Pls help, i need to get this done in 15 min :000 A car starts from rest and accelerates uniformly over a time of 5.37 seconds for a distance of 101 m. Determine the acceleration of the car. Decisions are made at four levels. True False the idea that firms should voluntarily give back to society when they are able to do so is known as what is 0.21825 rounded PLZ ANYONE help me PLZHELP ME ITS DUE RIGHT NOW Describe how one character is represented in the character set As the effects of the plague started wearing off, the Catholic Church was divided, which led to the . During this time, the seat of power moved from Rome, Italy, to . Italians had a difficult time accepting a new pope. They elected a new Roman pope instead. rank the following alkyl halides in order of their increasing rate of reaction with triethylamine: iodoethane 1-bromopropane 2-bromopropane How did political machines gather votes in the late 18th century and early 19th century?A) Political machines would help African American women register to vote. B) Political machines avoided detection by either state or federal agencies. C) Political machines promised social services and jobs in exchange for votes. D) Political machines would alter the votes to include those of the deceased. Part DFollow these steps to complete the table.1. Reuse the same test tubes from part C, labeled Fe2+ and Fe3+. Be s-2. Add 4 milliliters of iron(II) sulfate to the test tube labeled Fe+.3. Add 4 milliliters of iron(III) nitrate to the test tube labeled Fe+.4. Add 4 milliliters of sodium hydroxide to each test tube.5. Observe the contents of the test tubes for about 10 minutes. Recorevidence of a chemical reaction. If there is no evidence of a reaction Find the total number of outcomes from rolling a number cube with sides labeled 1-6 and choosing a letter from the word "NUMBERS." Then find the probability of rolling a 6 and choosing an M.