The CARD Act also established guidelines for young adults looking to open credit card accounts by establishing a general minimum age requirement to open a credit card without a cosigner – to the age of 21 – with exceptions for young adults who can independently demonstrate their ability to repay their credit card debt.
What effect does this law have on college students who want to apply for credit cards?How does the CARD Act safeguard young people or college students? According to the CARD Act, anyone under the age of 21 must be accompanied by a parent or other adult who is at least 21.
What are the Credit Card Act's three main effects?The three main categories of the act's credit card provisions include consumer protections, improved consumer disclosures, and protections for young customers. Here are a few of the most important safeguards the CARD Act offers.
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Use your own words explain what the term soft loan means. why do international organizations make soft loans?
A soft loan is a type of loan with low-interest rates and relaxed repayment terms. Soft loans are often provided by international organizations such as the World Bank or the International Monetary Fund (IMF).
What are the uses of soft loan?
Soft loans are financial assistance from banks and other financial institutions that come with reduced interest rates and other favourable terms. These loans are often provided to organisations or individuals who are unable to secure a loan from the traditional banking system due to financial constraints. Soft loans are usually provided to small and medium-sized businesses, start-ups, non-profit organisations and specific social welfare initiatives. These loans are usually provided with the objective of helping these organisations or individuals to grow or complete projects. Soft loans are also often provided to developing countries as international aid. These loans are often provided to help the country in times of economic or political crisis, or to finance large-scale development projects.
So, A soft loan is a type of loan with low-interest rates and relaxed repayment terms.
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Identify the accounting concept, assumption, or principle that best applies to each of the following situations: a. Inflation has been abound 2.5% for some time. Village Realtors is considering measuring its land values in inflation-adjusted amounts. b. You get an especially good buy on a laptop, paying only $300 when it normally costs $800. What is your accounting value for this laptop? c. Burger King, the restaurant chain, sold a store location to McDonald's. How can Burger King determine the sale price of the store—by a professional appraisal, Burger King's original cost, or the amount actually received from the sale? d. General Motors wants to determine which division of the company—Chevrolet or Cadillac—is more profitable.
Burger King can use the historical cost principle to calculate the sale price of the restaurant based on a professional evaluation, Burger King's original cost, or the money they actually made from the sale.
What does "cost" mean?A cost is the worth of revenue that has been expended to make something or provide a service and is therefore no longer available for use in output, research, marketing, and finance. In business, a cost could be an acquisition expense, for which case the cost would be the sum of money spent to acquire it.
We calculate cost because:Thus, cost computation aids in making choices about pricing, manufacturing volume, and sales as well as determining the prices of the goods and services the company sells.
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ramon made the following transactions within three years of his death: he gave a long-term certificate of deposit, which he had owned for 10 years, to his sister he released his retained power to amend a trust that he had created to benefit his children he bought a new car and gave it to his brother for his birthday he established an irrevocable living trust to provide for his children's education with his brother as the trustee, and funded the trust with $100,000 which of these transactions will be included in ramon's gross estate? a) the irrevocable living trust b) the long-term certificate of deposit c) the new car d) the release of his retained power to amend the trust
The gross estate consists of the fair market value among all personal and real assets owned at the time of death, transfers with preserved life estate, transfers coming into effect at death, voidable transfers, annuities, mutual interests, specific powers of appointment, specified proceeds of life insurance, and certain transfers occurring within two years of the death.
The estate of the decedent is the beneficiary of the coverage.
Which of the following are blanketed in the gross estate?
Gross property includes in fact all appreciably valuable property owned by using the person at death, such as real estate, cash, stocks, existence insurance, jewelry, furniture, and owed debts.
Which of the following strategies can be used to lower the value of an individual's gross estate?
Terms in this set (36) An intra-family sale can decrease an individual's gross property because the sale of the property will put off any future grasp in the truthful market value of the sold property and will get rid of the future earnings from the bought property from the individual's gross estate.
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Document 3: What happens to competition in a communist system?
Answer:
Explanation:
In a communist system the central authority dictates the means and quantity of production , and gives strict rules on businesses. Since there is no competition amongst firms , each is given the amount of money and each wo0rker is paid the same with same expectations of each.
Specialization can help a countrys evonomy by?
Answer:
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why are federal prosecutors reluctant to bring major charges against large financial firms? what was the main regulatory action of the glass-steagall law? why might having many smaller financial firms be more stable than having fewer larger firms? what argument can be made for the possibility that larger financial firms might be more stable than smaller financial firms?
Federal prosecutors may be reluctant to bring major charges against large financial firms because such firms often have significant political influence and may be able to mount a strong legal defense.
Additionally, some prosecutors may be concerned about the potential economic conseq uences of bringing charges against large financial firms. The Glass-Steagall Act, which was enacted in 1933, separated commercial and investment banking activities in order to reduce the potential for conflicts of interest and to limit the scope of bank failures.
Having many smaller financial firms may be more stable than having fewer larger firms because smaller firms are less likely to be "too big to fail," meaning that their failure would not have a significant negative impact on the overall economy. Additionally, having many smaller firms may lead to increased competition, which can result in better products and services for customers.
On the other hand, larger financial firms might be more stable than smaller firms because they have more resources to weather economic downturns and may be less likely to fail. Additionally, larger firms may be better equipped to manage complex financial risks. However, The argument for large firms stability also depends on how well these large firms are regulated and controlled to avoid risks.
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you are tearing down a building and find a $1 bill that someone lost when working on the building 140 years ago. if, instead of being careless with the $1 change, this person had deposited it into a bank and earned 2 percent interest every year for the first 70 years and 5 percent interest every year for the second 70 years, how much would be in the account today?
The final value of the account would be very large because of the long period of time and the interest rate. But as the exact date and interest rate are not provided, it would be difficult to give a specific number.
What is compound interest?Compound growth is a type of interest where the interest received on an investment is added to the outstanding amount, resulting in the calculation of future loan repayments based on the greater headmistress. When compound interest is used, as opposed to simple interest, where the interest collected is not added to the principal, the investment may expand more rapidly over time.
Investment funds, checking accounts, and other asset classes frequently use compound interest. The amount invested will grow more quickly the more often interest is applied.
To calculate the final value of the account, we would need to use the formula for compound interest:
A = P(1 + r/n)^(nt)
where:
A = final account value
P = initial deposit ($1)
r = annual interest rate (2% for the first 70 years, 5% for the second 70 years)
n = number of times the interest is compounded per year (assuming annually)
t = number of years the money is invested for (140 years)
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obtaining resources and defining tasks and deadlines are part of which phase in the strategic marketing process? multiple choice question.
Option C is correct answer. Obtaining resources and developing planning schedules are part of implementation phase in the strategic marketing process.
The implementation phase entails carrying out the project plan. The construction manager will oversee and direct required resources here in order to meet the project plan's objectives. It is the project manager's responsibility to direct and handle each activity as the project progresses. That's what happens during the project's implementation phase: you stick to your plan and deal with any issues that arise. The implementation phase is when you and your construction team actually work on the project to create the deliverables. The term "deliverable" refers to anything your project produces.
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Complete question:
Obtaining resources and developing planning schedules are part of which phase in the strategic marketing process
a) evaluation
b) differentiation
c) implementation
d) planning
income statement pearson brothers recently reported an ebitda of $7.5 million and net income of $1.8 million. it had $2.0 million of interest expense, and its corporate tax rate. was 40%. what was its charge for depreciation and amortization?
Pearson Brothers reported a charge for depreciation and amortization of $3.7 million.
The profitability of a company's operational business alone is measured by a company's earnings before interest, taxes, depreciation, and amortisation, or EBITDA, which excludes the effects of debt, state-mandated payments, and expenses needed to maintain its asset base.
The charge for depreciation and amortization can be calculated as follows:
EBITDA - Net Income - Interest Expense = Depreciation and Amortization
7.5 million - 1.8 million - 2.0 million = 3.7 million
Therefore, Pearson Brothers reported a charge for depreciation and amortization of $3.7 million.
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Summarize the 23 admendment
Answer: The 23rd amendment extended the right to engage in presidential elections to the district of columbia. Be sure to paraphrase
Explanation:
The Food and Drug Administration (FDA) is investigating a report that Cherise Cosmetics Co. Is in violation of purity and testing regulations. The FDA wants Yasmin, the lead chemist for the company, to testify at an administrative hearing. Yasmin refuses, so the FDA
Trump still must appeal the matter to the state agency's administrative body overseeing workers' compensation.
Which statutory provision established the Security and Exchange Commission?Us Security Act of 1933 largely controls how firms and other entities issue securities. The Securities exchange Commission (SEC) was established by the Securities Laws and given authority to enforce federal securities laws.
Under Commonwealth Act No. 83, when was Security and Exchange established?The Securities Act, also known as Commonwealth Act No. 83, established the SEC on October 26, 1936. Its founding was motivated by the requirement to protect the public interest in light of the booming local stock market at the time. On November 11th, 1936, operations got underway under the direction of Director Ricardo Nepomuceno.
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how do you share jelly bean tokens in bee swarm simulator
In Bee Swarm Simulator, jelly bean tokens can be shared with other players by using the "Gift" feature. To do this, you must first select the player you wish to gift the tokens to from the Friends list.
What is tokens ?Tokens are digital assets that can be used to represent a variety of things, such as loyalty points, in-game currency, or even real-world currency. Tokens are created and stored on a blockchain and can be used to purchase goods and services, transfer value, or even pay for access to certain services.
Once you have selected the player, you can then choose how many tokens you would like to give them. After selecting the amount of tokens, click on the "Gift" button and confirm your selection. The jelly bean tokens will then be sent to the other player's account.
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if the amount of money in circulation increases over time but the demand for goods does not change or declines over time, the value of the money will drop. this is known as inflation. true false
Deflation happens when there are either too many products available or not enough dollars in circulation to buy those products.
What happens if we increase the quantity of money in use?Inflation may arise as a result of the Federal Reserve expanding the money supply. Prices will typically rise, the cost of commodities will fluctuate, and inflation is likely to happen if the Fed is trying to stimulate the economy by expanding the money supply.
What occurs if there is a rise in the money supply but a fall in the demand for it?Money demand will increase as interest rates drop. The quantity of money people have in their possession and the amount they aspire to have will no longer differ once it increases to match the new money supply.
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how are advertising and democracy different contexts for communication? a. all of these choices. b. the channel by which you communicate is different. c. the amount of attention given to the audience is different. d. none of these choices. e. the goals of the communication are different.
Option (e) the goals of the communication are different.
Advertising and democracy are distinct communication contexts due to their opposing goals.
Advertising is primarily concerned with promoting and selling a product or service, with the primary goal of persuading the audience to make a purchase.
Democratic communication, on the other hand, aims to inform and engage citizens in public issues and decision-making.
This type of communication is typically more interactive and participatory in nature, with the goal of providing a forum for citizens to express their views and influence policy decisions.
Advertising is mostly done through mass media and aims at a large audience, whereas democratic communication aims to create a dialogue between the government and its citizens.
Therefore, the goals of communication in advertising and democracy are fundamentally different.
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the globalization of blank refers to the fact that producers can source goods and services from anywhere in the world to take advantage of cost savings. multiple choice question. service marketing diversity production
The ability of manufacturers to source goods and services from anywhere in the world in order to benefit from price advantages is referred to as the globalisation of production.
What makes globalisation so crucial?Companies can create their goods more cheaply thanks to globalisation. Additionally, it heightens international competition, which lowers costs and expands the range of options available to customers. People can live better on less money in both emerging and developed nations because to lower prices. Globalization has had a significant impact on the international economy. After it was started and put into practise, globalisation as a process helped many countries greatly succeed. Overall, the countries experienced growth in all areas of the economy, including foreign investment. India as a whole has experienced a strong and practically immediate influence from globalization.
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Reporting income when it is earned and expenses when they are incurred
Reporting earnings as they occur and costs as they are expended a financial statement that details the earnings and outlays for a certain fiscal year.
What does it mean to disclose earnings and expenses as they are incurred?
According to the accrual accounting system, payments and expenses are credited and debited as soon as they are received or incurred. Unlike cash basis accounting, which documents costs as they are paid for and income as it is received, accrual accounting documents transactions as they take place.
What are the two ways that revenue and expenses are reported?
Cash-based accounting: When income is received, it is recorded, and when expenses are paid, they are also documented. Accrual method: Costs are recorded as they are incurred and income as it is earned.
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how the economy recovers from a recession and returns to its long run equilibrium without any policy intervention
A long-term process known as fiscal policy helps an economy bounce back from a downturn and realize its GDP potential without the direct help of the government.
An expansive fiscal approach has reduced taxes and increased government spending as its two key outcomes. Both of those measures aim to raise deficits or decrease budget surpluses while boosting the demand for mixtures.
The economy is in a recession, according to the sticky pricing hypothesis (a), because not all prices adjust as quickly. Forms are able to increase their price adjustments over time, and the economy eventually shifts back to the long-term AS curve. (b) The effectiveness of each hypothesis is strongly influenced by how quickly wages, prices, and price expectations change.
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You have isolated a motile, gram-positive cell with no visible nucleus. You can safely assume that the cell
A) has 9+2 microtubule arrangement in its flagellum.
B) has a mitochondrion.
C) has a cell wall.
D) lives in an extreme environment.
E) has cilia
We can assume that the cell has a cell wall.
What is cell wall?A cell wall is a structural layer that surrounds some cell types and is located just outside the cell membrane. It may be hard, adaptable, or occasionally rigid. It serves as a filtering mechanism, structural support, and protection for the cell. Many eukaryotes, including animals, lack cell walls, but some of them, like fungi, algae, and plants, as well as most prokaryotes, do (except mollicute bacteria). Serving as pressure vessels, they prevent the cell from overexpanding when water enters.
Taxonomic group, species, cell type, and developmental stage may all have an impact on the composition of cell walls. Land plants have cellulose, hemicelluloses, and pectin as the main components of their cell walls. A lot of times, the cell walls of plants contain other polymers like lignin, suberin, or cutin that are anchored to or embedded there.
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if you deposit $20,000 in a savings account with a 2% interest rate, at the end of the year, how much money you will have in your account?
If you deposit $20,000 in a savings account with a 2% interest rate, at the end of the year, you will have $20,400 in your account.
The formula to calculate the interest is:
Interest = Principal x Rate x Time
Where:
Principal = $20,000
Rate = 2%
Time = 1 year (or 12 months)
So, Interest = $20,000 x 2/100 x 1 = $400
Therefore, the total amount in the account at the end of the year will be:
Principal + Interest = $20,000 + $400 = $20,400
It's important to note that interest rates can vary depending on the institution and type of account. So always make sure to check the interest rate before depositing your money in an account.
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equired: prepare a contribution format income statement. prepare a traditional format income statement. calculate the selling price per unit. calculate the variable cost per unit. calculate the contribution margin per unit. which income statement format (traditional format or contribution format) would be more useful to managers in estimating how net operating income will change in response to changes in unit sales?
Since costs are arranged according to their behavior, the contribution format is more beneficial. The contribution format makes it simple for managers to determine how variable expenses will alter as a result of changes in unit sales.
What is traditional format?There is no Forbidden List in the Traditional Format; instead, there are just Limited and Semi-Limited Lists, with all of the Advanced Format Forbidden cards being placed in Limited. All other things being equal, the two formats.The most recent Yu-Gig-Oh format is called Quin, and it was created to be easy to play, include older fans' favorite original Yu-Gig-Oh cards, and expand as the game progressed without requiring continual internet monitoring.Cost of goods sold: $213,000 ($20,000 + $200,000 - $7,000).
The following formula is used to calculate the variable administrative expense ($12,000):
300,000 dollars in sales
60k in contribution margin (b)
Total variable expenses (a) (b): $240,000
(a) $240,000 in total variable costs
$213,00 in selling prices
varying selling cost of 15,000
Variable selling expense (b) plus cost of goods sold equals $228,000
(a) (b) $12,000 Variable administrative expense
The following formula is used to calculate the fixed selling expense ($30,000):
A $60,000 contribution margin
b) $18,000 in net operating income
The total fixed costs are $42,000 (a) and (b).
$42,000 is the total fixed costs.
(12,000 dollars) in fixed administrative costs
(a) (b) $ 30,000 Fixed Selling Expense
2. ($20,000 plus $200,000 minus $7,000) Equals $213,000 as cost of goods sold
Selling costs ($15,000 plus $30,000) equal $45,000.
($12,000 + $12,000) Equals $24,000 in administrative costs
3. There have been 1,000 units sold at a selling price per unit of $300,000.
4. The variable cost per unit is divided by 1,000 units sold to arrive at $240.
5. $300 - $240 = $60 is the contribution margin per unit.
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within how many days of requesting an investigative consumer report must an insurer notify the consumer in writing that the report will be obtained?
Within five days of requesting an investigative consumer report, an insurer must notify the consumer in writing that the report will be obtained.
Insurance score is a hypothetical concept that refers to a numerical value calculated using a statistical model that predicts the likelihood of an individual filing an insurance claim. Insurers use this score to assess the risk of insuring an individual and may use it to determine the premium that will be charged for a policy. Factors such as credit history, payment history, claims history, and other financial and demographic information are used to calculate the insurance score. The higher the insurance score, the less likely an individual is to file a claim, and therefore the lower the premium will be.
As per the Fair Credit Reporting Act (FCRA), within five days of requesting an investigative consumer report, an insurer must notify the consumer in writing that the report will be obtained. This is to ensure that the consumer is aware that an investigative consumer report may be obtained and that they are given the opportunity to review their rights under the FCRA. An investigative consumer report is a type of consumer report that includes information about a consumer's character, general reputation, personal characteristics, or mode of living. This information is obtained through personal interviews with neighbors, friends, or associates of the consumer.
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A recent consumer reports study analyzed flat-screen tvs and found that the average performance rating for all tvs tested was 80 with an average price of $340. Clarence flat-screen tv has a perceived customer value of 30, and relative performance of 112. What is the relative cost of purchase for a clarence flat-screen tv?
According to recent Consumer Reports survey, a Clarion flat-screen TV has a relative cost of buying of 82.
What does "cost" mean?In business, research, retail, and accounting, a cost is the value of money that has been used to produce something or deliver a service and is now not usable. The total costs associated with the acquisition are considered when determining the pricing.
Price and cost are they equivalent?The expense incurred to produce the product or service that a firm sells is typically considered the cost. Price reflects a patient's readiness to pay for a product or service alone.
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a grant from the federal government with strings attached that specify where and how the money can be spent is a characteristic of
Grants-in-aid are financial contributions made by the federal government to the states for a specific objective.
How can I double my income?The strategy that applies to the majority of investors is probably the traditional one of doubling you money by building a diverse portfolio of securities and bonds. It is possible to invest safely over a number of years in order to double your money, but for people who lack patience, there is a greater chance of losing the majority or all their money.
What are different sorts of money?Any thing that is frequently used and approved in business dealings involving the exchange of goods or services by one one to another is referred to as money. Market mechanism, fiat money, and cash reserve are the three types of money that economists distinguish between.
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What action did 47. 4 million americans take in 2021, setting a record that was recently reported by the u. S. Labor department?
According to predictions from the U.S. Bureau of Labor Statistics, over 47 million Americans quit their employment voluntarily in 2021. The unusually large-scale exodus from the labour force that Covid-19 triggered is referred to as "The Great Resignation."
Is calculus simpler or statistics?
Although statistics are more simpler than calculus in the beginning, calculus is regarded to be more challenging than statistics at an intermediate level. It actually depends on the learner because some have trouble understanding statistics while others have trouble learning calculus. To predict the future, determine the likelihood that a specific event will occur, or learn more about a survey, statistics can be employed. Statistics are used in many fields, including business, health, biology, psychology, and the social sciences.
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Determine whether each of the following topics would more likely be studied in microeconomics or macroeconomics.
1. The optimal interest rate for the Federal Reserve to target
2. The effects of government tax policy on long-term economic growth
3. The effect of a cigarette tax on the quantity of cigarettes sold
The field of economics known as macroeconomics focuses on the study of the economy as a whole. A subfield of economics called microeconomics examines how people make decisions. Possible regulation of monopolist clients. This qualifies it as a microeconomic issue.
Examples of macroeconomics:Economic outputs, unemployment rates, and inflation are a few examples of macroeconomic variables. Governments, corporations, and customers all keep a careful eye on these economic success indicators.
What is macroeconomics, exactly, in everyday terms?The area of economics known as macroeconomics focuses on studying whole economies. It is focused on broad-based or general economic challenges and how these components relate to one another across economies.
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joseph is writing a paper on job satisfaction and the rate of unemployment in the u.s. he needs to include original research as well as current, national stories related to this topic. which types of sources would be the best fit for his assignment?
A trade article as well as a newspaper article would be the best fit sources for the assignment Joseph is intended to complete.
In the secnerio where Joseph is working on a paper regarding job satisfactionand and the unemployment rate in the United States. He require to include both original research and current, national stories on this topic. For the specifies purpose he needs trade article as well as a newspaper article. It is because newspaper articles will provide him with the current information about job satisfaction and unemployment rate; while trade articles will give him research based authentic data. They are used to provide readers with information they need/want to know about the world around them.
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true or false? the tools for conducting a risk analysis can include the documents that define, categorize, and rank risks.
The tools for conducting a risk analysis can include the documents that define, categorize, and rank risks. This is true.
Risk analysis is the process of estimating the probability of any unfavorable events that can have a negative impact on enterprises and the environment. Risk analysis is a common practice in business (banks, construction firms, healthcare providers, etc.), government, and nonprofit organizations. By performing a risk analysis, organizations can choose whether to embark on a project or approve a financing application as well as what actions may be required to defend their interests. It is simpler to balance risks with risk mitigation using this type of analysis. Risk analysts commonly work with forecasting experts to lessen the likelihood of unpleasant unexpected occurrences.
A risk analyst starts by identifying potential issues. These issues need to be contrasted with a probability meter that calculates the likelihood that the event will occur.
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question content area part 1 scarcity part 2 a. can be overcome by discovering new resources. b. stems from the incompatibility between limited resources and unlimited wants. c. is a bigger problem in market economies than in socialist economies. d. can be eliminated by rationing products.
Scarcity stems from the incompatibility between limited resources and unlimited wants
Because the desires of economic agents, such as people, businesses, or the government, are limitless, scarcity is a fundamental economic problem that affects every civilization. The incompatibility of finite resources and countless wants is the root of the world's economic problems.
Resources are constrained in that there is only a certain amount of them, and they cannot be expanded to satisfy everyone's unending needs or those of society as a whole. People and society must therefore decide how to divide up these finite resources in order to best satisfy their needs and wants. All economic activity is fueled by scarcity, which is the reason people have to make decisions and trade-offs.
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The graph shows the marginal cost of producing soccer cleats for Sabrina’s Soccer. At which level of production does the company make the most profit? the first pair of cleats the second pair of cleats the third pair of cleats the fourth pair of cleats
Answer:
first pair of cleats.
Explanation:
if a bill is approved by the house of representatives where must it go next
The bill goes to the Senate if it receives a simple majority (218 votes out of 435). The bill is referred to another committee in the Senate and, if it is released, is the subject of debate and voting.
Bill, what does that mean?A request for the payment of a debt, or the bill itself, such as an electricity, gas, or phone bill. For the work they did, they sent us a bill.
Which is better, bills or invoices?You might receive an invoice from a business for services rendered, but when you get it, you simply view it as a bill. A bill is a straightforward statement of what is currently due, whereas the word "invoice" can imply that payments, such as "NET-30 days," have been established.
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