When the savings and loan industry collapsed in the 1980s, all of the big accounting firms, except for Arthur Andersen, experienced heavy losses because of their liability for audit work on the collapsed financial institutions.
What caused the industry collapse in the 1980s?The early 1980s recession was responsible for the collapse of most industries in the 1980s. The recession was a serious economic recession that affected the world in the early 1980 and early 1983, and it was the most severe recession since World War II.
The main factor that lead to the recession was the 1979 energy crisis which was caused by the Iranian Revolution which caused a disruption to the global oil supply and saw oil prices rising sharply in 1979 and early 1980. This rise in oil prices pushed up the rates of inflation in several to new double-digit highs and caused economy problems.
However, during the period when the savings and loan industry collapsed in the 1980s, all of the big accounting firms, except for Arthur Andersen, experienced heavy losses because of their liability for audit work on the collapsed financial institutions.
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If a market signals contain accurate information available to investors, then the market is said to be?
If a market signals contain accurate information available to investors, then the market is said to be transparent.
What is market signals?Market maker signals can be described as the signs broker-dealers or market makers do give to themselves as regards the movement of stock prices.
It help to buys and sell share amount orders in real-time during trading hours however , the market should be open, at this time.
Therefore, If a market signals contain accurate information available to investors, then the market is said to be transparent.
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What are the minimum maintenance margins for stock positions in long and short margin accounts?
a. 50 / 50
b. 50 / 25
c. 50 / 30
d. 25 / 30
The correct answer is (d) 25/30.
Additionally, a minimum maintenance margin of 30% for short positions and 25% for long bets is needed. If they so desire, the exchanges or brokerages may impose tougher restrictions (also known as house margin requirements) than those imposed by the Federal Reserve.
How do we define Maintenance Margin?Maintenance margin, which is presently fixed at 25% of the entire value of the securities in a margin account as per the regulations of the Financial Industry Regulatory Authority (FINRA), is the minimal equity that an investor must retain in the margin account after the purchase has been made.
Who determines the necessary minimal maintenance margins?The government regulates the minimum margin requirements for leveraged accounts. The maintenance margin is currently fixed by the Financial Industry Regulatory Authority (FINRA) at 25% of the entire value of the securities that a trader keeps in their margin account.
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Question 3 (1 point)
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Ayden Marie Lochner: Attempt 1
Amgen, the largest biotechnology company in the world, donates millions of dollars
annually to raise the value of science literacy in the community and attract bright
young minds into the field of science. Since Amgen, as an employer would benefit
from this philanthropy, it would be characterized as strategic giving.
True
False
Question 4 (1 point)
4) Listen
Amgen, the largest biotechnology company in the world, donates millions of dollars annually to raise the value of science literacy in the community and attract bright young minds into the field of science. Since Amgen, as an employer would benefit from this philanthropy, it would be characterized as strategic giving. This statement is True.
Biotechnology is the application of biology to problem-solving and product-making processes. The most popular method is genetic engineering, which enables researchers to change an organism's DNA as they see fit.
In order to apply organisms, cells, their components, and molecular counterparts to create goods and services, biotechnology integrates natural sciences and engineering sciences. Károly Ereky used the word "biotechnology" in 1919 to describe the utilization of living organisms in the creation of goods from raw materials.
The term "biotechnology" refers to a broad range of techniques used to alter living things for human benefit. These techniques date back to the domestication of animals and the cultivation of plants, as well as "improvements" made to them through breeding programs that use artificial selection and hybridization. Along with cell and tissue culture technology, modern applications now include genetic engineering.
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The demand and supply curves show how buyers and sellers ________; the interaction of buyers and sellers ________.
The intersection of the supply and demand curves, which balances supply and demand, is a graphic representation of the market-clearing price.
What Is the Law of Supply and Demand?
The law of supply and demand combines two fundamental economic principles describing how changes in the price of a resource, commodity, or product affect its supply and demand. Supply grows as the price rises, while demand declines. In contrast, as the price falls, supply is constrained and demand is increased. levels of supply and demand for various prices can be represented as curves. These curves overlap at the equilibrium, or market-clearing price, where supply and demand are equal. This intersection symbolizes the process of price discovery in the market.
According to the law of demand, demand for a good or resource will decrease as its price increases and increase as its price decreases. According to the law of supply, on the other hand, higher prices tend to increase an economic good's supply while lower ones tend to reduce it.
The product's price elasticity refers to the extent to which changes in price translate into changes in demand and supply. The demand for needs is comparatively inelastic, meaning that it responds less quickly to price changes.
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What financial reporting aspect helps investors and creditors assess the risks associated with liabilities that require expenditures of cash or other assets in the near term?
Classification as current or long-term helps investors and creditors assess the risks associated with liabilities that require expenditures of cash or other assets in the near term.
A liability is something a person or organization owes, typically an amount of money. Liabilities are settled over the years via the switch of economic benefits such as cash, goods, or services.
Legal responsibility is a legally binding obligation payable to another entity. Liabilities are incurred on the way to fund the continuing sports of a business. Examples of liabilities are money owed payable, amassed expenses, wages payable, and taxes payable.
Each is indexed on a company's balance sheet, an economic declaration that indicates a agency's financial fitness. belongings minus liabilities equal fairness, or an owner's internet really worth.
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5. individual problems 9-5 describe the difference in economic profit between a competitive firm and a monopolist in both the short and long run. which should take longer to reach the long-run equilibrium? in the short run, both monopolists and competitive firms earn positive economic profits. in the long run, can earn a positive economic profit. true or false: the adjustment to long-run equilibrium takes the same amount of time for monopolies and competitive industries. true false
False, In the short run, both monopolists and competitive firms earn positive economic profits.
In the long term, profits and losses are eliminated because an infinite number of firms are producing infinitely divisible, homogeneous products. Firms experience no barriers to entry monopolists and every one consumer has perfect information. Equilibrium in perfect competition is that the point where market demands are going to be adequate market supply.
A firm's price is going to be determined now. Within the short run, equilibrium is going to be full of demand. within the future, both demand and supply of a product will affect the monopolists equilibrium in perfect competition. The long-run supply curve in an industry during which expansion doesn't change input prices (a constant-cost industry) could be a horizontal line.
The long-run supply curve for an industry within which production costs increase as output monopolists rises (an increasing-cost industry) is upward sloping. The existence of high barriers to entry prevents firms from entering the market even within the long‐run.
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Stockholders are from the managers and employees of the firm because they are not actively involved in the operations of the firm. True or false?.
This is utterly FALSE! Stockholders are NOT the managers or the employees of the firm. But it is true that stockholders are not actively involved in the operations of the firm.
Stockholders are SEPARATE from the managers and employees of the firm due to the fact that they are not intimately participating in the firm's ops.
All that matters to stockholders is the profit the company will give them. As a result, managers and employees work for the company and are the reason why there is profit, not stockholders!
Well, there's an exception. If the stockholder is also the owner or elected as board of director, then they will be involved in the operations of the firm.
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Carlos has been asked to evaluate new opportunities that his company can take advantage of while also investigating potential threats to its product line. carlos should use a(n)_______ to complete his task.
If Carlos has been asked to evaluate new opportunities that his company can take advantage of while also investigating potential threats to its product line, Carlos should use the SWOT analysis to complete his task.
What is the SWOT analysis?SWOT analysis is a form of business analysis that involves the examination of the Strengths and Weaknesses of certain decisions and the Opportunities and Threats that a business might encounter because of adopting certain approaches.
Carlos should adopt this approach when trying to resolve this issue. With this method, he will be able to identify threats and weaknesses and strengths, and weaknesses.
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While stock index options can be used to play the market as a whole, they are also effective in protecting equity portfolios against falling markets.
a. true
b. false
The correct answer is true.
The right to trade a certain stock index at a set price by a defined expiration date is offered by a stock index option. You have the choice to purchase or sell an index of stocks, if you have a call option on the index or a put option on the index.
When the market is down, which option should you buy?When stock market decline worries an investor, they could purchase put options. This is due to the fact that a put, which gives the buyer the right to sell the underlying asset at a fixed price for a specified period of time, will normally appreciate in value when the value of the underlying asset declines.
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A(n) ____ is an exchange of value, such as a purchase, a sale, or the conversion of raw materials into a finished product.
A Transaction is an exchange of value, such as a purchase, a sale, or the conversion of raw materials into a finished product.
A transaction is a completed agreement between any buyer and any seller in order to exchange goods or services and financial assets in return for money.
The term transaction is also generally used in the corporate accounting. In the business bookkeeping, this plain definition could get tricky. A transaction can be recorded by a company earlier and later depending on whether it uses accrual accounting or cash accounting.
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What are some non-monetary costs of attempting to eliminate risks? loss of life loss of productivity loss of time.
Some of the non-monetary costs of attempting to eliminate risks includes:
loss of lifeloss of productivityloss of time.What is a non-monetary costs?Basically, a cost means an expenditure required to create and sell products and services or to acquire assets. But, a non-monetary costs refers to those non-money expenditure required to create and sell products and services.
Therefore, some of the non-monetary costs of attempting to eliminate risks includes the loss of life, loss of productivity, loss of time.
Therefore, the Option D is correct.
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The tax planning strategy that involves deferring or accelerating taxable income and tax deductions is:______.
The tax planning strategy that involves deferring or accelerating taxable income and tax deductions is tax timing.
What is tax timing?
Tax timing refers to all the methods utilized so as to reduce the tax liability of an individual or business. This is done by either deferring or accelerating tax income.
For example, a taxable entity might defer recognising tax until the business has earned a loss. The loss earned can be used to reduce the tax liability of the entity.
Also, for countries that use a progressive tax rate, people might decide to defer taxable income until later years when they are in retirement when the tax they are to pay would be reduced.
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A customer's short margin account is properly margined and shows a credit balance of $40,000. interest would be charged on a balance of? a 0 b $10,000 c $20,000 d $40,000
A short margin account of a customer is properly margined and shows a credit balance of $40,000. Interest would not be charged on a balance of 0.
Interest can only charged on debit balances, which are monies loaned by the firm to its customer. Credit balances in the short margin accounts are not been subjected to any interest charges. But however, a firm may charge a rate of interest for the stock loan.
A margin account is referred to as a brokerage account in which the broker lends the customer cash in order to purchase the stocks or other financial products available in the market.
Hence, option A is correct.
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The emergence of an information-based economy are important parts of the __________ environment in which businesses operate.
The emergence of an information-based economy is important parts of the Technological environment in which businesses operate.
What is the technological environment?The technological environment is part of the company's external environment that is related to technological breakthroughs and changes. Additionally, the word "technology" is frequently used in relation to methods and equipment. The organization faces both risks and opportunities as a result of its change.
Companies must adjust to technological changes because they have little control over them. Therefore, businesses must be able to adapt to new technological developments.
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The arbezani economy is operating at a point inside its production possibility frontier. this may be because:________
The Arbezani economy is currently active within the range of its productive potential. This may be because the economy has very poor technological know-how.
What is the production possibility frontier?The production possibility frontier (PPF) is a curve on a graph that depicts the potential output of two goods whose production is dependent on the same limited resource. Another name for the PPF is the production possibility curve.
PPF is important in economics as well. For instance, it can show that a country's economy has achieved the maximum level of effectiveness.
Given the resources and technology at hand, what is "possible to produce" is represented by the production possibility frontier.
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If a manager finds a severe decline in employee morale and direction, they may need to spend more time in which role?
If a manager finds a severe decline in employee morale and direction, they may need to spend more time in the Leadership role
How are leadership & management correlated?The words that are frequently used interchangeably are leadership and management. It is crucial to realize that effective management depends on effective leadership.
A key element of management, exceptional leadership behavior places emphasis on creating an environment where each person can grow and succeed. Leadership is the capacity to motivate and direct a team's efforts toward the achievement of objectives. This influence could come from official sources, like the one offered by obtaining a managerial position inside a corporation.
A manager needs to have the qualities of a leader or leadership traits. Leaders create and launch competitive advantage-building strategies. For maximum organizational effectiveness, businesses need strong management and strong leadership.
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These financial conglomerates provide a range of services, such as investment banking, commercial banking, and financial advising.
These financial conglomerates provide a range of services, such as investment banking, commercial banking, and financial advising. These are Financial Services Corporations.
What is investment banking?Investment banking is a particular branch of banking that deals with raising money for other businesses, governments, and other organizations. Investment banks assist in the selling of securities, underwrite new debt and equity securities for all kinds of firms, and make mergers and acquisitions, reorganizations, and broker transactions for both institutions and individual investors possible. Additionally, investment banks advise issuers on the issuance and placement of stock. There are many different positions in investment banking, such as those for consultants, banking analysts, capital market analysts, research associates, trading specialists, and many more. Each demands a certain set of qualifications and training.
Any banking position benefits greatly from having strong people skills. Even devoted research analysts invest a significant amount of time working in teams or providing counseling to customers. While certain jobs call for more of a sales touch than others, it's important to feel at ease in a work-related social setting.
Thus, Investment banking is all about raising money from different institutions.
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Complete Question
These financial conglomerates provide a range of services, such as investment banking, commercial banking, and financial advising. What type of financial Institution?
Markets in which the behavior of the firms theoretically leads to an efficient allocation of resources that maximizes the benefits to consumers given the resources available to consumers are:_________
Markets in which the behavior of the firms theoretically leads to an efficient allocation of resources that maximizes the benefits to consumers given the resources available to consumers are perfectly competitive markets.
What is perfect competition?
In economics, more specifically general equilibrium theory, a perfect market, also known as an atomistic market, is defined by a number of idealizing conditions that collectively are referred to as perfect competition, or atomistic competition. It has been shown in theoretical models with perfect competition that a market will find equilibrium when the amount supplied for each good or service, including labor, equals the amount sought at the current price. A Pareto optimal equilibrium would be this one.
The main characteristics of perfectly competitive markets includes long-run equilibrium in such markets satisfies the requirements of both productive and allocative efficiency. These two circumstances also have significant ramifications. Priority is given to the best alternative use of resources. The second benefit is that they offer society's highest level of fulfillment.
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All of the following except ________ pertain to the scope of a business message.
All of the following except the sequence in which the information is presented means the scope of a business message.
Which of the following are steps in the business message planning procedure?The three-step writing procedure includes planning, writing, and completing the business message. Planning concerns analyzing the situation, gathering information, choosing the right medium for your message, and organizing the data.
The content of a business message is the range of data you present, the overall length, and the status of detail—all of which should resemble your main idea.
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There are only a few situation factors that can impact an outcome when you are trying to accomplish something. True or false
There aren't many circumstances that can affect how anything turns out when you're attempting to get something done. false
Situational influences, including parental divorce, can have an impact on a child's or young person's life. Certain situational conditions may put some kids and teens at higher risk for social, emotional, and mental health (SEMH) issues.
How do environmental influences influence behavior?
To sum up, in terms of interpersonal obedience, the situational factors that influence behavior include the belief that the person you obey appears to have the authority to demand obedience and is in control of your behavior (sometimes merely a view that is reinforced by the environment).
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How do financial institutions evaluate the creditworthiness of potential borrowers?
Financial institutions evaluate the creditworthiness of potential borrowers by checking five C's of credit.
Five C's of credit is character, capacity, capital, collateral, conditions.
Character involves image of the person in the market which means credit history , how one should manage its debt in the past. whether previous debts were timely paid or not.
Capacity involves the capacity of the person to pay its debt. whether person is able to pay its debt timely with sufficient funds. It should be checked by checking creditworthiness of people, debt to equity ratio and other financial measures.
Capital refers as savings, investment or assets of the potential buyer. by this financial position of the borrower is known.
Collateral refers to as security which is put to take loan, whether its vale is more than loan value or not.
Conditions are the terms on which agreement is done regarding the loan.
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High tech customers want cutting edge products that are updated every year.
true or false
False. What happens to a product's age when its placement (Speed/Accuracy) is updated? It splits in two. Region Kits are extra product features made for a particular market.
How does product positioning work?Product positioning is a type of marketing that highlights your product's advantages to a specific target market. Based on positive reactions to the product, marketers can choose which audience to target through market research and focus groups.
Research can also reveal which product features appeal to consumers the most. Understanding this data facilitates the streamlining of marketing initiatives and the creation of powerful marketing messages that increase leads and sales. Additionally, it aids in setting the product or service apart from rivals in the market.
Any marketing strategy must include product positioning, but it need not be restricted to a single demographic.
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Most large companies and thousands of smaller ones have created, printed, and distributed ______________________.
Most large companies and thousands of smaller ones have created, printed, and distributed "codes of ethics."
What is codes of ethics?A code of ethics is a set of professional conduct conduct business in an honest and ethical manner.
Some key features regarding the codes of ethics are-
A code of ethics document could outline the business or organization's mission and values, how professionals are expected to approach problems, ethical principles predicated on the organization's core values, as well as the standards that the professional is held.A code of ethics, also known as a "ethical code," may include topics like business ethics, professional practice codes, and employee codes of conduct.A compliance-based code of ethics, a valuation code of ethics, or a code of ethics among professionals are the three main types of codes of ethics.To know more about codes of ethics, here
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Among the various types of responsibilities a business firm has, which are specifically considered to be economic responsibilities? (check all that apply.)
Among the various types of responsibilities a business firm has, the one that is specifically considered to be economic responsibilities
giving investors a return on invested capitalrepaying debts to creditorsWhat are economic responsibilities?This is the term that is used to refer to all of the practice that the firm would have to put in place that would have to do with all of the ways that it would have to back its financial responsibilities and its commitment.
This is what has to do with the ways that would exceed the maximization of profit by the firm but all that would have to do with the ways that would help to impact the environment that we live in a positive way.
Hence we can say that among the various types of responsibilities a business firm has, the one that is specifically considered to be economic responsibilities
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When an organization examines its operating environment to identify strategic opportunities and threats, it conducts a(n)?
When an organization examines its operating environment to identify strategic opportunities and threats, it conducts an External Analysis.
What is an External Analysis?Examining a company's external environment entails looking at its competitive landscape, where it stands in relation to others, as well as its dynamics and past. Macroeconomic, global, political, social, demographic, and technological analyses are examples of external analysis on a large scale. The main goal of the external analysis is to identify the possibilities and dangers in a sector or industry that will influence its profitability, expansion, and volatility.
We need to define two terms before we can start the discussion on external analysis:
An industry is a collection of businesses that provide closely comparable goods and services. Sporting goods, soft drinks, and mobile phones are a few examples of industries.
Market segments are distinct subsets of customers that can be distinguished from one another by unique characteristics and niche needs. Geographical, demographic, and behavioral characteristics can be used to divide markets into segments.
Thus, An organization conducts an external analysis when it examines its operating environment to find strategic opportunities and threats.
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Effective marginal tax rate do not include? a. social security and medicare taxes b. mortgage payments
The effective marginal tax rate does not include b. mortgage payments.
Marginal tax rate refers to the supplementary amount of tax paid for every additional dollar earned as income. The total tax paid by total income earned gives the average tax rate. For the United States, the marginal tax rate increases as income rises. This system is termed the progressive taxation system. These marginal tax rates are separated by income levels into seven tax brackets.
The marginal tax rate demonstrates the tax rate which is applicable for all the brackets of income of a taxpayer. Marginal tax rate knowledge is very significant for financial planning.
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Buying and selling long-term assets are considered _____ activities in the statement of cash flows of a firm.
Buying and selling long-term assets are considered investing activities in the statement of cash flows of a firm.
What Is a Cash Flow Statement?
A cash flow statement is a financial statement that gives aggregate data consisting all cash inflows a company collects from its ongoing operations and external investment sources. It also consist of all cash outflows that is paid for any business activities and investments during a period.
What is Cash Flow?
Cash flow means to the net balance of cash moving in and out of a business at a specific time. Cash is continuously moving into and out of a business. For example, when a retailer buys inventory, cash flows out of the business toward its suppliers.
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A reasonable value to assume for the efficiency of a common solar cell that is used in typical pv installations on homes and businesses is:_______
A reasonable value to assume for the efficiency of a common solar cell that is used in typical pv installations on homes and businesses is 0.50 to 0.55.
Solar Photovoltaic Cell Basics
A photovoltaic (PV) cell, also known as a solar cell, can either reflect, absorb, or pass through light that strikes it. The semiconductor material that makes up the PV cell can conduct electricity more effectively than an insulator but not as effectively as a good conductor like a metal. In PV cells, a variety of semiconductor materials are employed.
When a semiconductor is exposed to light, the light's energy is absorbed and transferred to the semiconductor's negatively charged electrons. The additional energy enables the electrons to conduct an electrical current through the material.
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Supply chain management is an example of a(n)_______because it spans two or more independent organizations.
Supply chain management is an example of a(n) inter-enterprise information system because it spans two or more independent organizations.
More about Supply chain management:
Supply chain management, which covers all procedures that convert raw materials into finished commodities, is the management of the movement of goods and services. It entails actively streamlining a company's supply-side operations in order to increase customer value and obtain a competitive edge in the market.
The management of a product's creation and flow, from sourcing raw materials to manufacture, distribution, and delivery to the final consumer, is known as supply chain management (SCM).
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If the price of sugar (ps) falls by $5, how does this affect the equilibrium price?
If the price of sugar falls it will affect the quantity supplied of the sugar. As it will lead to the decrease in the supplied quantity.
What causes a fall in the equilibrium price?A decrease in equilibrium demand and an increase in equilibrium supply will lead to a drop in equilibrium price, but the effect on equilibrium quantity is unpredictable.
Prices will drop because producers are ready to accept a lower price and consumers now place less value on the product, regardless of the amount.
Reduced demand will cause the equilibrium price to fall and the supply to increase.
Thus, it leads to the decrease in supplied quantity.
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