Decisions be made using a multiple-hurdle model, using the same three predictors by mandating that applicants complete one assessment at a satisfactory level in order to advance in the selection process Firefighters must be able to lift 40 pounds before moving on to phase two; otherwise, there is no need in wasting time and you should get rid of them.
What do you mean by Decision?Machine learning and business rules are combined in decision management, which aids businesses in determining the proper course of action to take in a process.
The Multiple Hurdle method is a system for recruiting candidates where a series of obstacles are set up that the candidate must clear in order to go to the next stage of the selection process. A cut-off score is used for each obstacle.
Therefore, By mandating that applicants complete one assessment at a satisfactory level in order to advance in the selection process Firefighters must be able to lift 40 pounds before moving on to phase two; otherwise, there is no need in wasting time and you should get rid of them.
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On Dec. 31, 2018, what was the vega of an Amazon (AMZN-US) put option expiring on Mar. 15, 2019 with a strike price of $1,485.00? a. 2.647 b. 2.652 c. 1.757 d. 2.645
On Dec. 31, 2018, people was the vega of an Amazon (AMZN-US) put call option expiring on Mar. 15, 2019 with a strike price of The option holder can purchase the underlying asset in this case, Amazon stock.The correct answer is a. 2.647.
On December 31, 2018, 223 people had open interest in an Amazon (AMZN-US) call option with a Mar. 15, 2019, expiration date and a $1,485.00 strike price.The entire amount of open option contracts.
That have not yet been closed or executed is referred to as open interest. It shows the level of interest in a specific option in the market. The option holder can purchase the underlying asset (in this case, Amazon stock) at the strike price if they decide to exercise their option. The right, but not the duty, to purchase the underlying asset at the strike price is provided by a call option to the holder. The option's last day to be exercised is represented by the expiration date.
Complete question:
On Dec. 31, 2018, what was the vega of an Amazon (AMZN-US) put option expiring on Mar. 15, 2019 with a strike price of $1,485.00?
a. 2.647
b. 2.652
c. 1.757
d. 2.645
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transmission of an nfl game to canada by satellite is a violation of united states copyright laws. group of answer choices true false
It is TRUE that, Transmission of an NFL game to Canada by satellite is a violation of United States copyright laws.
Federal law, specifically the Copyright Act of 1976, regulates copyright law in the United States. A work of authorship cannot be copied without permission according to the Copyright Act. The ideas contained in a work may be copied by anyone; however, only the copying of the work itself is prohibited. For instance, a copyright might protect a written description of a machine, but not the actual machine. Because of this, only the written description could be copied; however, anyone could use the description to create the described machine.
Newly created works do not require registration with the Library of Congress' Copyright Office, but copyrights can be registered there.
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what is my profit margin ratio if my net income is $294 and my net sales is $3800
Answer:
Explanation: Net Sales = $3800
Net income= $294
Profit margin ratio= Net income/Net sales x 100
=$294/$3800 x 100
=7.73%
_____________, fill in the blank, happens when there is not enough staff to handle the customers.
Understaffing happens when there is not enough staff to handle the customers.
Understaffing occurs when the number of employees available to perform work is inadequate to meet the demands of customers.
It can happen due to various reasons such as cost-cutting measures, seasonal fluctuations in business, unexpected absences of employees, or poor workforce planning. Understaffing can lead to a range of negative consequences for both employees and customers.
For employees, understaffing can result in increased stress, burnout, and decreased job satisfaction due to heavy workloads, longer working hours, and increased pressure to perform. For customers, understaffing can lead to longer wait times, delays in service, decreased service quality, and lower customer satisfaction.
Additionally, understaffing can harm a business's reputation, as dissatisfied customers are more likely to share their negative experiences with others. Therefore, it is important for businesses to ensure adequate staffing levels to maintain quality service, employee well-being, and customer satisfaction.
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marginal rate of substitution is equal to the ratio of the price of good y to the price of good x divided by marginal utility of y true or false
False.The marginal rate of substitution (MRS) is the rate at which a consumer is willing to trade one good for another while maintaining the same level of utility.
Mathematically, MRS is equal to the ratio of the marginal utility of good x to the marginal utility of good y.
MRS = MUx / MUy
The price of the goods does not directly enter into the formula for MRS. However, the prices of the goods are indirectly related to MRS through the consumer's budget constraint. The consumer will choose the combination of goods that maximizes utility subject to their budget constraint, which is determined by the prices of the goods and the consumer's income.
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there should be an analytical plan for each question that you
ask on a should know why you ask the question and how
you will use the results. expain with illustration
When conducting a survey, it is critical to have an analytical plan for each question. The purpose of this plan is to comprehend why you are asking the question and how you will utilize the results.
This is critical because, without it, you risk collecting data that is not useful or relevant to your survey's goal. In this regard, an analytical plan is essential because it directs the analyst's attention to the problem and explains how to solve it. It should be noted that the primary objective of a survey is to provide reliable and valid data. Data is considered to be reliable if it is consistent and dependable, while data is considered to be valid if it is accurate and measures what it is intended to measure.
The following are some of the advantages of developing an analytical plan:
1. Improves the quality of data obtained: By having a clear analytical plan, you are able to identify the types of questions that will help you obtain high-quality data. This makes it easier to determine the right questions to ask and how to frame them.
2. Facilitates data analysis: An analytical plan makes it easier to analyze and interpret the data collected. This is because you already know the questions to ask and how to analyze the data once it has been collected.
3. Saves time and resources: By having an analytical plan, you can avoid collecting data that is not useful or relevant to your survey's goal. This helps you save time and resources that would have been wasted collecting irrelevant data.
Illustration:
For instance, a car manufacturer might use a survey to collect data on consumer preferences for a new car model. They will likely have a series of questions aimed at understanding what consumers are looking for in a new car, such as fuel efficiency, design, safety features, and price.
By having a clear analytical plan, the manufacturer can ensure that they are asking the right questions and that the data they collect is reliable and valid. This data can then be used to inform the design and marketing of the new car model, potentially leading to increased sales and customer satisfaction.
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Use the following information to answer the question. There are three firms in an economy: X, Y, and Z. Firm X buys $200 worth of goods from Y, and $300 worth of goods from firm Z, and produces 250 units of output at $4 per unit. Firm Y buys $150 worth of goods from firm X, and $250 worth of goods from firm Z, and produces 300 units of output at $6 per unit. Firm Z buys $75 worth of goods from firm X, and $50 worth of goods from firm Y, and produces 500 units at $2 per unit. Given this information, what is the economy’s GDP?
Answer:
$2,775
Explanation:
The computation of the GDP of the economy is given below:
But before that the total value sold by three firms would be determined
Total amount of goods sold by X:
= X sells to Y + X sells to Z
= $150 + $75
= $225
Total amount of goods sold by Y:
= Y sells to X + Y sells to Z
= $200 + $50
= $250
Total amount of goods sold by Z:
= Z sells to X + Z sells to Y
= $300 + $250
= $550
Now
Amount of goods generated by X
= units of output × cost per unit
= 250 units × $4
= $1,000
Value of goods generated by Y
= units of output × cost per unit
= 300 units × $6
= $1,800
Value of goods generated by Z
= units of output × cost per unit
= 500 units × $2
= $1,000
Now GDP is
= [Goods generated by X - Valued added by X] + [Goods generated by Y - Value added by Y] + [Goods generated by Z - Value added by Z]
= [$1,000 - $225] + [$1,800 - $250] + [$1,000 - $550]
= $775 + $1,550 + $450
= $2,775
Juice Inc. offers entrepreneurs the opportunity to operate a franchise under the Juice trade name as a member of a group of dealers that engage in retail beverage sales. To prospective franchisees, Juice must disclose a. the estimated profitability of the franchise.
b. all of the choices.
c. the range of goods and services included. d. the value of the franchise.
(OPTION A) Juice must disclose the estimated profitability of the franchise. The company's annual income and location count are also reliable signs that it is the most lucrative franchise to buy.
A respected business like McDonald's might be able to access fresh funding and commercial opportunities. The average yearly profitability of 51% of franchisees is less than 50,000 dollars, according to research that took into account inflations brought on by the few top franchises. Only 7% of franchise owners, according to the report, make more than $250,000 a year. The franchise business model is successful because it generates money for both the franchisee and the franchisor.
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Future value with periodic rates Man Johnsos delivers newspapers and is puting away $30 at the end of each quarter from his paper route collections Matt is 11 years old and will use the money when the goes to colege in 7 years. What will be the value of Mat's account in 7 years with his quarterly payments if he is eaning 6.5% (APR), 10.5% (APR) or 13% (APRI). What will be the value of Matrs account in 7 years with his quarterly payments if he is eaming 6.5% (APRY)?
The value of Matt's account in 7 years with quarterly payments will be $327.83 at a 6.5% APR, $386.82 at a 10.5% APR, and $416.29 at a 13% APR.
To calculate the future value of Matt's account with quarterly payments, we can use the formula for the future value of an ordinary annuity:
Future Value = P * [(1 + r/n)^(n*t) - 1] / (r/n)
P = Payment amount per period
r = Annual interest rate (in decimal form)
n = Number of compounding periods per year
t = Number of years
Given that Matt makes quarterly payments of $30, we can substitute the values into the formula:
For 6.5% APR:
P = $30
r = 6.5% = 0.065 (APR)
n = 4 (quarterly compounding)
t = 7 years
Future Value = $30 * [(1 + 0.065/4)^(4*7) - 1] / (0.065/4)
Future Value = $327.83
For 10.5% APR:
P = $30
r = 10.5% = 0.105 (APR)
n = 4 (quarterly compounding)
t = 7 years
Future Value = $30 * [(1 + 0.105/4)^(4*7) - 1] / (0.105/4)
Future Value = $386.82
For 13% APR:
P = $30
r = 13% = 0.13 (APR)
n = 4 (quarterly compounding)
t = 7 years
Future Value = $30 * [(1 + 0.13/4)^(4*7) - 1] / (0.13/4)
Future Value = $416.29
Therefore, the value of Matt's account in 7 years with quarterly payments will be $327.83 at a 6.5% APR, $386.82 at a 10.5% APR, and $416.29 at a 13% APR.
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How many manufacturing companies are in the north Georgia area
Answer:in addition to being a right-to-work state, with low unionization rates (2.5%), our quality workforce is one reason why companies in automotive, machinery, and plastics industries are experiencing high job growth. Whether you are looking for engineering talent to further innovation in products or processes, or a skilled labor force to work on the plant floor, Georgia has the existing and future workforce to fulfill your hiring needs. Georgia is home to many companies with a history of innovation that has impacted their.
What is TRUE about non-depository financial institutions?
Non-Depository financial institutions are those institutions that provide various financial assistance. These institutions serves as an intermediaries between borrowers and savers. ... The non-depository financial institutions include commercial banks, credit unions, and saving banks. Therefore, option D is correct
At Ancestry, even in a job as seemingly specialized as that of genealogist, the component parts of the job are quite varied. If Ancestry asked you to advise the company on restructuring job design, how would you explain a recommendation for further specialization?
The workers in highly specialized jobs tend to report higher levels of job satisfaction.
When workers perform small, simple tasks, they become very proficient at each task.
Specialization increases the transfer time between tasks.
Highly specialized workers may feel their jobs are too stimulating.
A recommendation for further specialization within the job of a genealogist would involve breaking down the job into smaller and more specific tasks. By doing this, the genealogist would be able to focus and become more proficient in certain specialized areas.
What does a genealogist do?A genealogist is a person who studies and traces family histories and lineages. They use a variety of sources such as birth, marriage, death and census records to build family trees and track down historical information about ancestors.
This would allow for a higher transfer time between tasks, resulting in increased job satisfaction. For example, a genealogist may specialize in researching a particular geographic area or time period.
In addition to increasing job satisfaction and providing the opportunity to specialize, further specialization also has the potential to increase the efficiency and quality of the genealogists’ work. By breaking down the job into smaller tasks and becoming more proficient in certain areas, the genealogist is better able to focus on the quality of their work and deliver results more quickly.
By breaking down the job into smaller tasks, the genealogist is able to focus, become more proficient, and specialize in certain areas. This leads to increased job satisfaction and improved work quality.
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Which of the following is not an example of a liability?
A. A home you own
B. An apartment you rent
C. Student Loans
D. Your phone bill
Answer:
B
Explanation:
You are renting so you are temporarily living there, unlike a home owner. They own the home meaning they are responsible for the upkeep. Renters that responsability falls upon the land lord.
The option that is not an example of a liability is an apartment that you rent.
What is a liability?
A liability can be described as something that one is responsible for.
The reason why the rented apartment is not a liability is the fact that it is rented. That is you are not in charge of the place.
The maintenance and others lies in the hands of the owner and not in your hands because you do not own the place.
The student loan and phone bill are all expenses that you are responsible for. They are liabilities.
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7. Jannah is reviewing a report that a new marketing manager put together after assessing her small business. If Jannah wants to learn how familiar a custo
what section of the marketing report should she review?
To learn how familiar a customer is to the company, Jannah must look at the leads section of the marketing report.
What is a marketing report?It consists of a document through which an organization can visualize its performance over a period of time, through the analysis of data and information about the company's actions and strategies to achieve objectives and goals in the market.
Through qualitative and quantitative reports related to communication and sales, for example, the company is able to make more significant decisions about its strategy, with evaluations and corrections that will contribute to continuous improvement and positioning in the market.
So leads could be the section that Jannah would review to identify a potential customer, as this data significantly demonstrates an individual who engages with the company's business and can be turned into a customer.
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Which method of business integration is classified as a "holding company" of three or
more unrelated sectors of companies' stock? (Hint: we said in class that they're doing a
"stock project"...for real.)
A-horizontal
B-vertical
C-multinational
D-conglomerate
The method of business integration that is classified as a "holding company" of three or more unrelated sectors of companies' stock is
D-conglomerate.What is conglomerate?A conglomerate is a type of business that consists of a group of companies that are involved in different industries or sectors. A conglomerate may be formed by a holding company, which is a company that does not produce goods or services itself but owns other companies' stocks. The holding company exists to manage and control these companies, each of which operates independently in its respective industry.
Unlike a vertical or horizontal integration, where a company seeks to control the entire supply chain or a particular stage of production within an industry, a conglomerate is typically involved in unrelated businesses that have little or no connection with one another.
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When Sam withdrew money he had invested at 10%, he had almost 3.5 times the amount he had originally deposited into the account. How many years did Sam wait before he withdrew his money? A) 16 B) 5 C) 13 D) 14
Sam waited approximately 13.12 years before he withdrew his money. Rounded to the nearest whole number, the answer is 13, which corresponds to option C).
Let's assume Sam initially deposited an amount of money, denoted as P, into the account. After waiting for a certain number of years, the amount he had in the account grew to 3.5 times the original deposit.
We can set up the equation as follows:
3.5P = P * (1 + 0.10)^t
Where:
3.5P is the final amount (3.5 times the original deposit)
P is the principal (original deposit)
0.10 is the interest rate (10% or 0.10 as a decimal)
t is the time in years
We need to solve for t, the number of years Sam waited.
Dividing both sides of the equation by P and simplifying, we get:
3.5 = (1 + 0.10)^t
Taking the logarithm (base 10 or natural logarithm) of both sides, we have:
log(3.5) = t * log(1.10)
Using a calculator, we can evaluate log(3.5) and log(1.10) to be approximately 0.5441 and 0.0414, respectively.
t * 0.0414 = 0.5441
Dividing both sides of the equation by 0.0414, we get:
t ≈ 13.12
Therefore, Sam waited approximately 13.12 years before he withdrew his money. Rounded to the nearest whole number, the answer is 13, which corresponds to option C).
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A lender may be protected from deterioration of the borrower's creditworthiness if the commercial lending agreement requires the borrower to maintain
_____a: current ratio above a certain level.
_____b. return on assets above a certain level.
_____c. specified return on equity.
_____d. specified accounts receivable turnover.
The correct answer is a. current ratio above a certain level.
By requiring the borrower to maintain a current ratio above a certain level, the lender ensures that the borrower has sufficient current assets to cover its current liabilities. This helps protect the lender from the deterioration of the borrower's creditworthiness, as a healthy current ratio indicates the borrower's ability to meet its short-term financial obligations.
The other options (b. return on assets above a certain level, c. specified return on equity, and d. specified accounts receivable turnover) do not directly address the borrower's ability to meet its financial obligations and therefore may not provide the same level of protection for the lender.
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A critique of modernization theory suggests that neocolonialism causes underdevelopment, and that poor countries stay underdeveloped because the global economic system extracts and transfers ________ to developed nations. a. resources b. energy c. people d. culture
Answer:
a. resources
Explanation:
Migration refers to the movement of a group of people from one geographical region (location) to another geographical destination in search of better living conditions, work or social amenities.
Migration selectivity can be defined as the likelihood or tendency that a subset (part) of a group of people are going to move (migrate) out of a particular geographical location or area.
Some of the factors that influence migration selectivity are income level, age, education, gender etc.
A critique of modernization theory suggests that neocolonialism causes underdevelopment, and that poor countries stay underdeveloped because the global economic system extracts and transfers resources to developed nations.
Poor countries stay underdeveloped because the global economic system extracts and transfers resources to developed nations.
The answer to this question is option a. A lot of countries are blessed with a lot of natural resources yet they remain very poor and dependent on other first world nations.
Neo colonialism means that some of these nations are still heavily influenced by the nations that they are highly dependent on.
The continent of Africa is blessed with a lot of natural resources. Crude oil for instance, but most of these resources are transported abroad and the continent remains underdeveloped.
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which of the following goods is the best example of a public good? a.music that is broadcast over the airwaves by a privately-owned fm radio station. b.cable tv services that are provided by a privately-owned firm that is regulated by the government of the city in which it operates. c.garbage-collection services that are provided by a municipal government. d.electricity that is provided to farmhouses by a rural electric cooperative.
Music that is broadcast over the airwaves by a privately-owned FM radio station is the best example of a public good.
What other names are given to a public good?A good that is both non-excludable and non-rivalrous is referred to as a public good in economics, often known as a social good or communal good. Users cannot be denied access to or use of such goods just because they didn't pay for them.
The broadcasting is not competitive and cannot be blocked. Numerous listeners can hear the broadcast simultaneously without lowering the likelihood for others to hear it. Additionally, numerous people can watch the broadcast without excluding others. Radio broadcasting is a full public good as a result.
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c. Analyse why trade unions are likely to welcome an increase in the money supply. (6)
Answer:
Prolonged inflation educates trade-union leaders to bargain in real terms by allowing for expected price movements, so that incomes rapidly adjust to, or even anticipate, changes in the price level.
I am not sure about this answer.
Increased money supply often results in lower interest rates, which encourages more investment and more money in consumers' hands, which in turn increases consumption. Trade unions respond by increasing their orders for raw materials and increasing production.
What is Trade Union?A trade union commonly referred to as a union, is a group of employees who are dedicated to "maintaining or improving the conditions of their employment," such as obtaining better wages and benefits, improving working conditions, raising safety standards, establishing complaint procedures, and creating rules governing employees' status (rules governing promotions, just-cause conditions for termination, etc.).
They also work to protect the integrity of their trade by increasing bargaining power.
The trade union negotiates labor contracts (also known as collective bargaining agreements) with employers on behalf of its members, known as the rank-and-file, through an elected leadership and negotiating committee.
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It is a type of financial intermediary that pools savings of individuals and makes them available to business and government users. Funds are obtained through the sale of shares.
The correct answer to this open question is the following.
Although there are no options provided we can answer the following.
It is a type of financial intermediary that pools the savings of individuals and makes them available to business and government users. Funds are obtained through the sale of shares.
Here we are talking about mutual funds.
When we are talking about a mutual fund in financial terms, this means that a pool of money has been collected from many people who like to invest in money market instruments, bonds, or stocks. The investment is managed by professionals who are experts in money managing and always look to gain profitable interests to their clients. Regularly, this money manager -the expert- prepare a particular investment portfolio to diversify the money of its clients, trying to generate the largest earnings.
evaluate South Africa's approach to redistribution of wealth and income
Answer:anser is
Explanation:
E
Instead of spending the weekend working on the research paper due at the end of next week sam decided to spend the weekend going out to have fun with friends according to freudian theory which system dominated in sams decisions
Answer:
the id
Explanation:
In simple words, the id can be understood as the root of all psychological bravery, as per Freud 's philosophy, rendering it the essential component of identity. The ID is motivated by the concept of immediate satisfaction of all wishes, desires and desires. If these needs are not immediately fulfilled, the effect is a state of discomfort or stress.
Thus, from the above we can conclude that the correct answer is the id.
are indigenious and traditional technology the same
Answer:
Mark me as a Brainliest
Explanation:
The modern technology using the national resources, whereas the indigenous technology uses alternate material. For example instead of using coal and lime from factory if you use charcoal and seashell mortar for housing construction.
The term careeris usually applied to a:• A. position that allows for professional growth and advancem
• B. workweek that consists of 15 to 25 hours.
• C. series of jobs with little relevance to one another.
O D. job that pays hourly wages.
The term career is usually applied to a position that allows for professional growth and advancement. Option A
This implies that a career is not just a job, but rather a long-term commitment to a certain field or industry. A career is characterized by continuous learning, development of skills and expertise, and the pursuit of opportunities for promotion and increased responsibility.
A career is different from a job that pays hourly wages, which is often seen as a means to an end rather than a long-term commitment. A job that pays hourly wages is typically associated with low-skilled work and little opportunity for advancement. On the other hand, a career is often associated with higher-skilled work and greater potential for advancement.
In summary, a career is a long-term commitment to a certain field or industry, characterized by continuous learning, development of skills and expertise, and the pursuit of opportunities for growth and advancement. It is different from a job that pays hourly wages, which is often seen as a means to an end rather than a long-term commitment.
Ultimately, the goal of a career is to achieve personal and professional fulfillment by doing work that is meaningful, challenging, and rewarding. Option A is correct.
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Evaluate each of the marketing campaigns you created for your product concept. Which of these campaigns do you think would be most successful if actually implemented? Explain your answer by making specific predictions as to how your target market would likely respond to these various campaigns.
Answer:
The focus of your strategy should be making sure that your products and services meet customer needs and developing long-term and profitable relationships with those customers. To achieve this, you will need to create a flexible strategy that can respond to changes in customer perceptions and demand. It may also help you identify whole new markets that you can successfully target.
Explanation:
Answer:
For a campaign you should focus on what your strategy is when making your products and services meeting the customer. To create a flexible strategy that changes the response based on customer perceptions and demand.
The higher the total restaurant bill, the more likely the patrons are tourists? Select one: O True False
The statement "The higher the total restaurant bill, the more likely the patrons are tourists" is False.
The high bill amount doesn't always mean that the customers are tourists. Though it could be a sign that they might be more willing to spend more money when they are traveling.The assumption that the higher the total restaurant bill, the more likely the patrons are tourists, could be incorrect because customers could be celebrating a special occasion or simply choosing to splurge on a nice meal, regardless of whether they are tourists or locals.Moreover, tourists don't always have to spend more money when dining at restaurants. Instead, they might choose less expensive options to save money for other aspects of their trip.So, the statement "The higher the total restaurant bill, the more likely the patrons are tourists" is False.
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firms with a strong have employees who are more committed, better organizational citizens, and stronger performers. True or False
The statement that firms with a strong justice climate have employees who are more committed and stronger performers is True.
What happens when there is a strong justice climate?A company with a strong justice climate is one where employees are treated fairly and their work is rewarded in the same vein that they are given.
This serves to encourage employees to be more committed and stronger performers because they know they will be adequately rewarded. The employees will also be better organizational citizens because they will be more devoted to the company.
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assume an economy is currently engaged in free trade but is considering implementing an import quota on its main import, hiking boots. with an import quota, price domestic production imports and the producer surplus
Implementing an import quota on hiking boots in a previously free-trade economy would have several effects on price, domestic production, imports, and producer surplus. Let's explore each of these aspects:
Price: When an import quota is imposed, the supply of imported hiking boots will be restricted. This reduction in supply, combined with a constant or even increasing demand, can lead to an increase in the price of hiking boots in the domestic market.
Domestic Production: With the implementation of an import quota, domestic producers of hiking boots may benefit from a reduced level of competition from foreign imports. This can create opportunities for domestic producers to increase their production and market share.
Imports: An import quota places a restriction on the number of imported hiking boots allowed into the country. The government sets a specific quantity limit, and once that limit is reached, no additional imports can enter the market.
Maker Overflow: Maker excess alludes to the distinction between the cost at which makers are willing to supply an item and the cost they really get. With a moment standard, residential makers may advantage from an increment in maker excess.
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if i pay off my entire credit card bill before this date, i do not have to pay interest on the money i have borrowed on my credit card. what is this called?
A. Forbearance period
B. Grace period
C. Default
D. probationary period
Answer:
Probationary period
Explanation:
A probationary period is the time before the due date.
Forbearance period is when the costumer is unable to meet or pay the loan and the property is "held back".
Grace period is the set time after a fee is due where no punishment is placed.
Default is the complete failure to ever repay the loan.