Answer: If your account has a fixed rate, the bank can still change your rate, but there are limits on when it may do so and notice requirements: The bank generally cannot change your rate during the first year after the account was opened.
Explanation: goggle
When the government does spend more money than it brings in that's called a?
When government spending exceeds revenue, there is a budget deficit. When government spending is lower than revenue, there is a budget surplus.
What happens when the government has a budget surplus or deficit?A government has extra money when it has a surplus, which it might invest or use to pay down debt. A deficit is the polar opposite of a surplus. The government must borrow money to cover expenses when spending exceeds revenue. The last time there was a budget surplus in the US was in 2001.
What separates a budget deficit from a budget surplus?The amount in a budget that is left over after all required payments have been completed is known as a budget surplus. When the federal government spends more than it collects, there is a budget deficit. An overflowing budget is better for the government.
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true or false: after an initial sale of stock to the public by x, inc., when investors sell their shares in secondary markets, x's total stockholders' equity will increase.
The statement, "After an initial sale of stock to the public by x, inc., when investors sell their shares in secondary markets, x's total stockholders equity will increase." is false.
After all debts have been settled, a company's assets are still in its possession; this is referred to as stockholders equity. If retained earnings and share capital are added together, treasury stock is subtracted to get the same amount. This indicator is often used by analysts and investors to evaluate the general financial health of a firm.
If equity is positive, the firm has enough assets to cover its debts. A negative shareholders equity may be a sign of impending insolvency. Stockholders equity can be either good or negative. If the result is favorable, the firm has more resources than loans. A negative value indicates that the company has greater debt than profits. If this keeps happening, it is considered balance sheet insolvency.
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What changes would you recommend for the future to ensure the strength of the Social Security program?
The additional work will increase your retirement benefits. Each year you work will replace a year of low or no earnings in the calculation of your Social Security benefits,could help increase your benefit amount.
Social Security only covers a portion of your expenses social security only provides 42% of the pre-retirement expenses of the average American.As a result,Social Security bases your retirement benefits on your lifetime earnings.Americans today must have additional retirement savings or sources of income available to help finance their lifestyles.Social Security is a pay-as-you-go program that transfers resources from working-age Americans to retirees and other beneficiaries.As such,it depends on a Therefore,economic growth is an important determinant of social security coverage,and social security schemes need to be designed in a way.An effective security policy requires input and commitment from the entire organization,so I think we should sit down and come up with a plan to developing.
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Where do banks get the money they loan to customers?
The main source of income for banks. Customers who deposit money with banks are the main source of income for those institutions. They then utilize that money to lend to further clients.
What are these customers specifically?
Customer definition Any individual or company that buys something from one business is considered to be a customer. Customers are essential because they produce income. Businesses could not continue to run without them.
Why are customers so crucial?
They not only make greater purchases, but they also attract new customers. Your clients act as your sales representatives. In actuality, 56% of consumers said they would tell their friends and family about a business that provided great service. Keep consumers coming back with excellent customer service, and they'll gladly spread the word about you.
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When should a shipment of eggs be rejected?
When should a shipment of eggs be rejected if the The eggs are not delivered at45 degrees F and when you receive a shipment of eggs, you should reject them if any of the eggs are cracked. Eggs that are cracked.
The shipment is the part of supply chain. The shipment in which the goods or products are packed after the process of manufacturing or production.
The eggs are rejected when the eggs got cracked and accidently cracked by the process of delivery to the consumer. Shipment is the important process in the supply chain if the shipment process is not done well, the rejection will arise.
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Penny is selling candles for $$33 each at a fundraiser. If she starts selling with $$44 to help her make change, how many candles, xx, will she have to sell to end up with $$1919?.
One penny is worth one cent. The value of a nickel is $0.05. Determine what you are looking for in step two. 3rd step: Name.
Use variables to represent the quantity of each sort of coin. Start with pennies since the number of nickels is specified in terms of the number of pennies. Over and above the quantity of pennies, there are two more nickels. Nickels and dimes total $2.55 that Carolyn has in her wallet. Nine less than three times as many nickels as dimes are present. Count the number of each coin type. In her wallet, Maria has $2.43 in quarters and cents. She has more quarters than pence. How many of each kind of coin does she possess.
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Lisa O Lisa I'm not sure how sustainable it will be for Cozy Nook in the long run, since it could be hard to keep up with the demand. It's a much larger company than Swift and Snug, though, so this feature might be just the edge it needs to become the bestselling online retailer in our industry. The first step of market research is to determine the problem. What is the "problem" that you will need to focus on with your market research? The competitor is offering a better feature than Swift and Snug Furniture. Customers want more customization options from Swift and Snug Furniture. Submit
The "problem" that you will need to focus on with your market research is Customers want more customization options from Swift and Snug Furniture. Thus the correct option is Last.
What is market research?To support and enhance your conceptual model, market research combines consumer habits and economic developments. It aids in formulating crucial business decisions, obtaining finance and acquisitions, and even minimizing failed business ventures.
Customer appreciates a product that is designed specifically for them based on their preferences and requirements. The client experience could be improved by allowing personalization, which could also boost sales and profits.
Therefore, option Last is appropriate.
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How does using myNav allow Accenture to help?
MyNav enables Accenture to support its clients' sustainability efforts:
through assisting in the development of cloud services that lower carbon emissions.This is a known tool that aids businesses in creating or setting up cloud solutions that reduce carbon emissions and provide a foundation for good and improved innovation.
The myNav enables Accenture to assist its clients in being more environmentally friendly by easing the development of cloud solutions that lower carbon emissions.,through promoting the development of cloud technologies that cut down on carbon emissions,by rearranging factories so that it is simple to measure carbon emissions,by developing innovative business strategies to cut back on transportation expenses,by establishing new rules for getting rid of old technology.
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Select the correct location on the expression. Joanna uses this exponential expression to determine the value of her savings account in five years. Which term represents the initial value of her account?.
In the given case The term 5000 in the exponential function is representing the initial amount.
A mathematical function can be defined as a formula where the f (x) = an x is an exponential function. The transcendental number e, which is similar to, is the exponential-function basis that is most frequently encountered.When b > 0 and b 1, an exponential function has the form f(x) = bx. The base is b, and the exponent is x, just like in any exponential expression. The development of bacteria is an illustration of an exponential function.To know more about Functions here
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Answer:
choose the 5,000 thing
Explanation:
In each of the following examples, name the factor that affects supply and describe its impact on the supply of cell phones.
A:: Economic forecasts suggest that the demand for cell phones will increase in the future.- expectations, the supply will decrease, B: The price of plastic goes up-price of inputs, the supply will decrease, C:: A new screen technology reduces the cost of making cell phones-Definition technology, the supply will increase
Economic forecasting refers to the prediction of any aspect of economic activity. Such forecasts can be made in great detail or in broad strokes. In any case, they describe the expected future behaviour of the entire or a portion of the economy and serve as the foundation for planning. Forecasting the economy. Supply in economics refers to the amount of a resource that firms, producers, labourers, financial asset providers, or other economic agents are willing and able to provide to the market or to an individual. Supply can be in the form of manufactured goods, labour time, raw materials, or any other scarce or valuable item.
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Th complete question is:
In each of the following examples, name the factor that affects supply and describe its impact on the supply of cell phones.
A: Economic forecasts suggest that the demand for cell phones will increase in the future.
B: The price of plastic goes up.
C: A new screen technology reduces the cost of making cell phones.
Definition
What are the 4 important ethical issues IRB guidelines address?
The 4 important ethical issues IRB guidelines address : Selection of subjects is equitable, Inclusion/exclusion criteria are adequate, Research purpose and setting are appropriate, Recruitment process is fair.
What are the IRB's main responsibilities?The welfare, rights, and privacy of human subjects are protected by the IRB. As defined by both federal regulations and institutional policy, the IRB has the power to approve, exempt, disapprove, monitor, and demand revisions in all research activities that come under its purview.
How does the IRB safeguard human experimenters?Before individuals can be enrolled in a study, institutional review boards (IRBs) are required by law to examine research involving human beings to make sure that the proposed protocol complies with the relevant ethical standards.
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Read the Dell case and answer the questions to the right.
Dell Computer Corporation is a case study in entrepreneurship. Michael Dell, who as a teenager analyzed newspaper buying patterns to customize his subscription sales for the Houston Post targeting newly married and people who had moved earned enough to buy a BMW prior to enrolling at the University of Texas in 1983. By 1984 his dorm room business of selling handmade computers was bringing in $80,000 a month. Dell incorporated Dell Computer Corporation in April 1984, dropped out of college, and launched a company that is now an international leader in technology sales. Dell focused on customer service and direct sales. In 1990 Dell was the top rated company in the first J.D. Power & Associates ranking of personal computer manufacturers. In 1992 Dell instituted its Professional Services Capabilities Unit. It coordinated the international services of Dell's global programs. In 1993 Dell initiated a program that allowed customers to select the level of service they received when buying a computer.
Initially direct sales were handled by phone. The direct sales model allowed Dell to build computers when they were ordered, allowing inventory costs to be kept at a minimum, compared to competitors who build thousands of computers in different configurations for sales in stores or by catalogues. In 1996 Dell started selling computers on the World Wide Web. The direct sales model migrated easily to the Internet, including automation of not only customer services but also supply chain management. Over the next 10 years inventory control of components through the supply chain of subcontractors and products was cut from a week to fewer than 24 hours. Dell incorporated transportation and logistics management of its international manufacturing to include all forms of transportation for efficiency, creating an integrated physical distribution concept. The customer, when making an order, chooses the final physical distribution based upon how quickly they want delivery of their computer. Empowering the buyer with the decisions of the computer components, delivery, and service increased customer satisfaction. Dell's decision to utilize "Green" technologies to become a carbon neutral company increased customer satisfaction with companies and individuals concerned with the environment. In 2009 nine of its European and American facilities were powered by renewable energy, including 100 percent of its 2.1 million square-foot global headquarters at Round Rock, Texas.
What factor has allowed Dell to cut costs and still remain competitive in the rapidly changing technology industry?
Customer service
Physical distribution
Supply chain management
Inventory control
In 2009 Dell announced it powers nine of its facilities in the United States and Europe with 100 percent renewable energy. In addition to environmental responsibility, this business decision contributes to:
Customer satisfaction
Distribution center management
Piggybank services
Total inventory cost
Dell's transportation and logistics system is an example of:
Physical distribution center
Piggybank services
Environmental decisions
Supply chain management
The factor has allowed Dell to cut costs and still remain competitive in the rapidly changing technology is supply chain management.
Dell's principal technique for achieving and maintaining a competitive edge is a unique, direct-to-customer business model. The approach is known as Dell Direct, and it refers to the company's relationship with its consumers as "direct." This strategy enables Dell to focus on personalization, service and support, performance, cutting-edge technology, and exceptional shareholder value. Furthermore, Dell distinguishes itself from its competition through customized on-demand manufacturing. Due to the elimination of middlemen in Dell's manufacturing, procurement, and distribution processes, the firm is able to deliver more value for its customers' money through customisation of its goods made by Dell.
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the extreme differentiation and positioning value that results from owning something is an example of what marketing planning law?
Strategy for Differentiation a procedure that assists organizations with prevailing by separating their item to convince clients to pay something else for it.
Distribution. the capability that moves completed items from tasks to wholesalers, retailers, or end customers.
Why should marketers use market segmentation and target marketing in the first place?You can better tailor your messaging to the preferences and requirements of your audience by learning more about them through segmentation. It is much more effective to target a subset of people who are likely to be interested in your content or product than to reach an excessively large audience.
Which two main kinds of differentiation strategies are there?A company can implement two primary types of differentiation strategies: both a comprehensive and narrow strategy of differentiation.
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gulf coast shrimp packaging supplies frozen shrimp to grocery chains. it expects sales of 400 tons of shrimp in the next quarter and it plans to produce 380 tons during the same quarter. each ton requires 50 direct labor hours and employees are paid $15 per hour. manufacturing overhead is applied at 120% of direct labor costs. what is the total amount to be budgeted for manufacturing overhead for the quarter?
According to the question, For the quarter, $342,000 must be allocated to manufacturing overhead.
Overhead is what?The phrase "overhead" describes a business' ongoing operational costs; it excludes, however, the direct costs associated with creating a commodity or service. Expenses for overhead may be fixed, variable, or even a mixture of both.
Briefing-The quarter's budgeted manufacturing overhead is applied at a rate of 120% of the direct labor expense. Quantities to be created multiplied x direct labor hour per unit multiplied x direct labor cost / hour is the formula for calculating direct labor costs.
Gulf Coast Shrimp Packing may determine the total budget manufacturing overhead by utilizing the following formula:
380 tons x 50 hours x $15 per hour = $285,000 direct labor cost
$285,000 x 120% = $342,000 budgeted manufacturing overhead
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george clancy wants to diversify his portfolio by adding a stock that has a value which moves in direct relation to the business cycle. what type of stock is george thinking about adding to his portfolio?
By adding a stock whose value changes in direct proportion to the business cycle, George Clancy hopes to diversify his portfolio.
What exactly is a portfolio?A portfolio is a portfolio of financial assets, such as securities, bonds, commodity, cash, and cash accounts, such as closed-end funds and exchange-traded funds (ETFs). Most people think that a portfolio's core consists of equities, bonds, and cash.
How can I create a portfolio that is all about me?Give them your name, your occupation, and any other pertinent details about you, such as the location of your base. You could be composing an intro for a portfolio showcasing your abilities in marketing, writing, education, or construction.
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The Press-Enterprise test is used by judges to
a. Gauge the amount of prejudicial publicity in a case
b. Determine whether a pretrial proceeding will be open or closed
c. Determine the constitutionality of a restrictive order
d. Set the number of peremptory challenges that will be allowed in a case
The Press-Enterprise test is used by judges to determine the constitutionality of a restrictive order.
A person who presides over a trial, alone or as a member of a jury, is called a judge. A judge evaluates the arguments of the parties and the reliability of all witnesses before hearing all the testimony and other evidence presented by the attorney or attorney in the case.
The judge then makes a decision in the case based on their interpretation of the law and their personal judgment. An impartial judge is said to preside over the trial, which is usually held in public. The role, authority, method of appointment, standards of conduct and training of judges vary widely between jurisdictions.
Hence the correct option is C
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When cleaning a compromised system you should check for sure if any ______ may have been installed by an attacker?
Malware could have been installed by an attacker. Malware is malicious software designed to damage a computer system and gain access to sensitive data. It can be used to steal information, disrupt services, or corrupt files.
To determine if malware has been installed, you should run a full system scan using an anti-malware program. You should also manually check your system files, registry entries, and running processes for any suspicious activity. In addition, it is important to check if any new programs have been installed, if any suspicious files have been downloaded, or if any unusual browser extensions or plugins have been added. Finally, you should review all user accounts to ensure that unauthorized access has not been granted. Taking these steps can help protect your system from further damage and ensure that no malicious software has been installed.
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What are two ways of measuring profitability?
Profit margin metrics, return on assets (ROA), and return on equity are a few typical examples of profitability ratios (ROE) .
What parameters define profitability? The different types of profit margin, return on assets (ROA), and return on equity are a few prevalent examples of profitability ratios (ROE).Another measure is return on invested capital (ROIC), as well as return on capital employed (ROCE).Net sales less the cost of goods sold equals gross profit.Operating Profit is equal to Gross Profit - (Operating Costs, Including Selling and Administrative Expenses)Operating Profit plus any additional income minus additional expenses equals Net Profit (Income Taxes).Margins and returns make up the two types of profitability ratios.Income and expenses are two factors that affect profitability.The income statement for a corporation displays its profit; however, profitability is not shown on the statements but is instead determined using the figures on the statements.To learn more about profitability ratios refer
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What are three major sources of federal revenues ?
The majority of the revenue collected by the United States government comes from tax contributions made by individual taxpayers, small businesses, and corporations. Excise tax, estate tax, and other taxes and fees are additional sources of revenue.
What is revenue?According to the definition, revenue is the total sum of money obtained from conducting business activities like sales. It is also referred to as sales on the income statement. It is known as the top line because it appears first on any company's income statement.Operating revenue and non-operating revenue are the two categories of revenue. Revenue, which is determined by dividing the average sales price by the quantity of items sold, is the money generated by conducting regular business operations. In order to calculate net income, other costs and expenses must first be deducted from the total amount of money.To learn more about revenue refer to:https://brainly.com/question/25623677
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What 3 steps should you take in stakeholder analysis?
Identifying the important stakeholders, evaluating the impact on each, and figuring out the best way to involve them are all important steps are the steps you should take in stakeholder analysis.
A stakeholder is a party with an interest in a business who has the potential to influence or be impacted by that firm. Investors, workers, customers, and suppliers make up the majority of the stakeholders in a typical firm. However, the idea has been expanded to encompass communities, governments, and trade groups as a result of the growing focus on corporate social responsibility. Stakeholders may be internal or external to a company. Individuals with an interest in a firm who have a direct connection, such as employment, ownership, or investment, are referred to as internal stakeholders. External stakeholders are those who don't work for a company directly but are nonetheless impacted by its decisions and results in some way. Suppliers, borrowers, and public organisations are all regarded as external stakeholders.
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What are ways that you can protect yourself from a cyberattack?
Protecting yourself from cyberattacks is an important step to ensure your safety and security online.
What safeguards can you take against a cyberattack?To secure your safety and security online, it's crucial to protect yourself from cyberattacks. Start by using secure passwords all the time and refraining from using the same one for many accounts.When two-factor authentication is an option, utilise it as well. Additionally, avoid clicking on any links in phishing emails or other suspicious communications.Be careful about what you post online, and lastly. Never provide private information to anyone, including passwords or credit card details.Any questionable demand for personal information should raise red flags. You may help defend yourself against cyberattacks and safeguard your data by adhering to these suggestions.Make use of secure passwords and update them frequently.Set up and maintain anti-virus and anti-malware software.On websites that support it, turn on two-factor authentication.Constantly update all of your software with the newest fixes.When connecting to public Wi-Fi networks, utilise a Virtual Private Network (VPN).Make a backup of crucial data and keep it in a safe place.Use caution while downloading or opening attachments from emails.Be careful how much personal information you disclose online.Regularly check your accounts for any strange activity.Protect your home network with a firewall.To learn more about the methods to defend yourself from a cyberattack refer to:
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Cooper has created and carried out a plan for his business. For Cooper, the benefit of enacting the control steps will be Multiple Choice
O retention of employees with strong technical skills
O evaluation of how competitors will respond to his company's innovations
O arranging tasks to be done and clarifying the reporting structure
O a continuous feedback loop that ensures plans stay headed in the right direction
In a case whereby Cooper has created and carried out a plan for his business. For Cooper, the benefit of enacting the control steps will be arranging tasks to be done and clarifying the reporting structuredirection.
What does management planning entail?Setting goals and choosing a course of action to achieve them are both part of the management task of planning. Managers must foresee future situations and be aware of the current environmental factors affecting their firm.
It involves forecasting techniques being used to forecasts. Examples of management planning include looking forward, assessing it, and choosing a future course of action in advance. An yearly sales plan is created based on an estimate of future sales as an example of planning in the management process.
Therefore, option C is correct.
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Exhibit 5-10, and using the expenditures approach, compute personal consumption expenditures. Which of the following is correct?(A). $1,280 billion(B). $ 6,600 billion(C). $2,794 billion.(D). $ 1,180 billion
Using the fees technique, compute non-public intake fees, the best solution is (B). $ 6,six hundred billion.
The required details for expenditures approach in given paragraph
The expenditure technique is a way used to degree the GDP of a rustic through considering the very last cost of products and offerings. The expenditure technique, because the call suggests, is centered on the overall spending within side the financial system. The overall spending within side the financial system is likewise represented through mixture demand. Therefore, the expenditure technique's additives are similar to the ones of mixture demand. The expenditure technique makes use of 4 important sorts of spending: intake, investment, internet exports of products and offerings, and authorities purchases of products and offerings to calculate gross home product (GDP). It does so through including all of them up and receiving a very last cost.
In addition to the expenditure technique, there's additionally the earnings technique, but any other approach that can be used to compute GDP.
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In retail in general and fashion in particular, having _____ is considered the kiss of death
a. excess inventory
b. too many storefronts
c. a large labor force
d. limited production runs
e. dispersed production facilities
In retail in general and fashion in particular, having a. excess inventory is considered the kiss of death
Why is it wrong to have excess inventory in retail ?When a corporation orders inventory incorrectly and has more than the market requires, or when the market's demand sharply declines after inventory is ordered, excess inventory results. Due to the effects it has on inventory turnover and the expenses involved in maintaining it, having excess inventory is typically viewed as being negative for company.
The effect of excess inventory on a company's profitability is a serious problem. Inventory is bought with the intention of reselling it for a profit, and keeping too much of it on hand can cause working capital to become locked up in items. As degradation happens and demand declines over time, inventory loses value and eventually loses money.
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T/F your electric bill for 1500 kilowatt-hours is a charge for the power you have used that month.
The statement ,your electric bill for 1500 kilowatt-hours is a charge for the power you have used that month is False .
The kilowatt-hour (abbreviated kWh) is a measure of energy that represents one kilowatt's (1 kW) power output over the course of one hour. Although it is not a formal standard unit in any system, the kilowatt-hour is frequently employed in electrical applications.
Kilowatt hours (kWh) are the main units used to quantify electrical power use and are what are displayed on your electricity bill. Kilowatts (kWh) is a measurement of absolute power utilized over time, hence this unit is used to quantify your usage rather than kWh on its own.
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What is implementation of the process of creating new products and services for the customer called?
Product development is a process that involves the conceptualization, design, development, and marketing of freshly created or recently renamed goods or services.
How does one go about making a new product?Introducing a novel product concept to the market is a step in the new product development process framework. Though it varies by industry, the process can be roughly divided into six stages: ideation, research, planning, prototype, sourcing, and costing.
What are the four different product development methods?R&D, Growth, Maturation, and Decline are the four stages of product development. Although they could be challenging to accurately map out, when you develop a product over time, you can gain a better understanding of the stage.
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What is the cost of insurance?
Why Barter system are closed?
Barter system is no longer in use as a result of the invention of money.
Barter system is defined as a cashless economic system of exchange in which the parties involved in the transaction are exchanging goods and services directly with other goods and services that are agreed upon by both parties bilaterally without using money as an intermediary.
The era of barter system comes to an end because of the invention of money, which is a standardized unit of account, making it easier to set the value of any goods and services which can be exchanged for money instead of exchanging them with other form of goods and services, hence making the trade more effective and efficient.
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What must be rejected in a delivery?
When receiving a delivery, it is important to check the quality and accuracy of the items. Any items that have been damaged, spoiled or are not the items that were ordered must be rejected.
It is important to document all items that have been rejected and inform the delivery person of the reasons why they were rejected. This will help ensure that the company can take corrective action to prevent similar problems in the future. It is also important to inform the company of any items that were missing from the delivery. Refusal is an important part of the process as it ensures that customers receive what they ordered and that any issues are resolved promptly.
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a major drawback of price competition is that a. customers equate lower prices with lower quality. b. competitors can also lower their prices. c. it gains customers. d. it generates brand loyalty. e. it lowers prices.
A major drawback of price competition is that competitors can also lower their prices.
Since competitors can change prices, price competition has a number of significant disadvantages. A price war might start if they swiftly equal or surpass a company's price reductions. In a price war, two or more businesses engage in fierce price competition, frequently in an effort to increase market share.
A lower market price for the product is the result of increased seller competition. The price would be reduced if there were multiple makers instead of just one for the same well-liked item since the producer would be aware that the consumer could get the toy elsewhere.
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