Community banks prioritize offering traditional banking services to their surrounding areas. They collect the majority of their core deposits locally and lend to a large number of neighbourhood companies. They are frequently referred to as "relationship" bankers as opposed to "transactional" bankers because of this.
A depository institution that is typically run and owned locally is referred to as a community bank. [Needs citation] Community banks frequently concentrate on the requirements of the local businesses and households where they have offices and branches. People who are knowledgeable about the needs of local families, businesses, and farmers make the lending decisions. [Needs citation] Employees frequently live in the communities they work in. Community banks are not precisely defined in the United States. [Needs citation] The majority of agencies define this phrase in terms of the size of total assets, ranging from less than $1 billion (Office of the Comptroller of the Currency) to less than $10 billion (Federal Reserve Board and Government Accountability Office). The Federal Deposit Insurance Corporation (FDIC) places extra standards on organizations that are designated as community banks in addition to size (as determined by assets). In the period from 1985 to 2004, community banks made up nearly 94% of all commercial banks in the country, although their share of total national deposits fell from about 25.89% in 1985 to 13.55% in 2003. Economists and decision-makers have become more concerned about the loss in community banking in the United States, and some of them have claimed that community banks are crucial to macroeconomic stability.
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What does agile stand for?
An agile company is one that is "fast-moving, adaptive, and strong corporation capable of rapid reactivity to unforeseen issues, events, and opportunities," according to the Business Dictionary.
Being ability to inspect and adapt broadly is the main focus of enterprise agile. It involves making little wagers when operating at the executive level. It involves being able to integrate the business's sales and marketing activities with your capacity to create useful products and then sustainably support those items. A company that is agile has a structure, set of procedures, and capabilities that enable employees to react quickly to changing conditions.
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option premiums deteriorate at an increasing rate as they approach expiration a. true b. false group of answer choices a b
Option premiums deteriorate at an increasing rate as they approach expiration - True
The time remaining for the underlying asset to change in a way that would affect the option's value reduces as an option approaches expiration. Time decay, which reduces the amount of time left before expiration, can lower the option's premium or its price
The price of the underlying asset, the strike price of the option, and the implied volatility of the option are some of the variables that might affect how quickly an option's premium depreciates as it gets closer to expiration. Given all other factors being equal, options with longer expiration dates often have higher premiums than options with shorter ones since they have more opportunities to potentially make a profit.
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What are the four 4 main factors that need to be considered when making the financing assessment?
When deciding whether to issue a loan, lenders will consider four essential factors, known as the "four Cs": capacity, capital, collateral, and credit. Standards may vary from lender to lender.
What is collateral?Collateral is a valuable object that a borrower pledges as security for a loan in the financial sector. The house is always used as security for the loan when a home buyer obtains a mortgage. For auto loans, the vehicle serves as collateral. A corporation may utilise priceless assets or machinery as loan security when applying for bank financing. A loan that is secured by property carries an interest rate that is lower than an unsecured loan. The lender has the right to take possession of and sell the collateral in the event of a default in order to recoup its losses. Before granting you a loan, a lender needs to know that you have the ability to repay it.
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What is corporate give example?
Corporations make up the majority of significant companies, like Toyota Motor Corp., Coca-Cola Co., and Microsoft Corp. Some corporations operate both under their own identities and under different company names.
What is the Microsoft Corporation renowned?Our offerings consist of operating systems and personal computers (PCs), servers, phones, or other intelligent devices, server applications , distributed computing settings, productivity applications, and business solution software.
Why has Microsoft Corp. been the most prosperous?By many measures, they are a young company—founded in 1975—which may have contributed to their success. However, they have also been successful in part because of their resiliency and capacity to adapt to shifting market conditions, consumer needs, and commercial prospects.
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in a brainstorming session for a new drug to lower cholesterol, the members of the marketing department agreed the benefits of the new drug could best be promoted by comparing the drug to those currently on the market. in terms of the communication process, the transformation of this idea into an ad campaign is an example of
Transforming this idea into an advertising campaign is an example of encoding when it comes to communication processes.
What are the types of campaigns?There are several types of marketing campaigns that can be used to achieve various marketing goals within your organization: Traditional media campaign. Product launch campaign. Seasonal push campaign.
What does ad campaign mean?An ad campaign is a series of advertisements revolving around a single message and designed to achieve a specific goal. Example: a company may create advertising campaigns to achieve any of the following business goals: Increase brand awareness of new products. Promote the sale of services or products.
What distinguishes advertising and promotional campaigns?A campaign contains one or more ad groups. Ad groups contain one or more ads. At the campaign level, you select an advertising objective to define your goals. Goals are advertising objectives and can only be selected once per campaign.
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you are contemplating developing a 200 unit apartment complex (average unit size 900 sq. ft.) and want to do a quick feasibility. you expect market rents to be about $2.25 p.s.f. (monthly). assuming a 5% (of pgi) vacancy factor and 35% (of egi) operating costs, what would be your expected noi for this project (rounded)? ch16
The expected NOI (Net Operating Income) for this project would be $3,301,000. NOI is a technique used by real estate professionals to determine the value and profitability of income-generating properties.
How is NOI calculated?Net operating income measures the profitability of a revenue-generating property before adding financing and tax expenses. To calculate NOI, subtract all operating expenses incurred at the property from all income earned at the property. Once you have calculated the NOI, you can use it to calculate the cap rate, which is the rate of return for income-generating properties. Cap rates of 4% to 10% or more are generally considered good.
What is the vacancy factor?Vacancy factor is amount of gross revenue lost due to vacancies. An allowance item on a pro forma income statement, usually calculated as a percentage of gross income.
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national wildlife refuges are managed by the u.s. fish and wildlife service where sport hunting, trapping, sport and commercial fishing, oil and gas development, mining, logging, grazing, some military activities, and farming are permitted as long as the department of the interior finds such uses compatible with the purposes of each unit. such management puts wildlife refuge systems under what level of land use?
Most of them, which are under USFWS management, safeguard waterfowl and big game habitats and nesting grounds so that hunters can take them; a handful spare endangered species from extinction.
What is national wildlife?With more than six million supporters and supporters, 51 state and territory linked groups, and a focus on conservation education and activism, the Wildlife Federation of America is the biggest private, nonprofit organization in the United States.
The National Wildlife Federation(NWF) purpose is to inspire, educate, and support people and organizations from all walks of life to safeguard the environment and conserve animals in order to build a peaceful, just, and prosperous future. The National Wildlife Association is one of the oldest and most recognized hunting & fishing environmental groups in the country.
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What are examples of price floors?
Examples of price floors are minimum wages and agricultural markets.
The lowest permitted price that can be paid in a market for goods, labor, or financial capital is known as a price floor. The minimum wage, which is founded on the normative idea that someone working a full-time job should be able to afford a basic standard of living, is an example of a price floor. The government establishes a minimum salary in some nations as a price floor for labor. This helps to safeguard against exploitation and guarantees that workers receive a set minimum wage for their labor.
Further, to safeguard farmers from low prices that could be brought on by overproduction or changes in the global market, governments may set price floors for specific agricultural commodities, such as wheat or maize. Increasing producers' revenues is the goal in this case.
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fatou currently owns 2,500 shares of mariner, incorporated. she has just been offered the opportunity to purchase additional shares in the company, prior to the shares being offered to the general public. what is this type of an offer called?
According to the given condition, the type of an offer called Rights offer. The choice is then up to the shareholders.
What do you mean by the Rights offer?A rights offering is when shareholders receive a set of rights to buy additional stock shares in proportion to their existing ownership, more Abrogable Right.
An offer made by a corporation to its shareholders to buy additional shares of the company's stock, typically at a discount, is known as a renounceable right.
They can either use the rights they have available to acquire the extra shares, sell those rights to someone else, or do nothing at all.
A rights issue is when a corporation offers its current shareholders the chance to purchase additional shares directly from the business at a reduced price as opposed to doing so on the secondary market.
Therefore, the given condition, the type of an offer called Rights offer.
The choice is then up to the shareholders.
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Are savings accounts high or low risk?
When you need money, you can get it from a savings account. minimal danger involved Your money is protected up to $250,000 per depositor, per FDIC-insured bank, and per ownership category by the Federal Deposit Insurance Corporation (FDIC).
Is a savings account high risk or low risk?According to Virginia-based certified financial advisor Gordon Achtermann, "there is zero risk of capital loss" as long as you create a savings account at an accredited institution that is FDIC-insured. Your money won't change even if the interest rate you're collecting on it in a savings account does.
While safe, money market funds and savings accounts do not provide a good rate of return. Furthermore, due to the high inflation rate in 2022, owners of savings accounts would lose money. The safest investments with the best returns are frequently thought to be high-quality bonds and fixed indexed annuities. Savings accounts are among the safest ways to save your money.
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Debt securities are ( )to the issuers of those securities.
Debt securities Any debt that may be exchanged between buyers and sellers in the market before it matures is a debt security.
Its structure is akin to a loan from a lender (an investor) to an issuer (the government, an institution, or a business). Knowledge of Debt Securities
Debt securities are tradable financial products, which means that buyers and sellers can exchange them on the open market. They have a face value, maturity date, coupon rate, and issuance date that are all specified. Debt securities ensure principle repayment as well as monthly interest payments. The basic issue size for any public debt securities offering must be at least Rs 100 crores. An underwriter registered with SEBI and in good standing may provide underwriting for a public offering of debt securities.
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a bank receives a demand deposit of $10,000. the bank loans out $5000 of this deposit and increases its excess reserves by $3000. what is the legal reserve requirement?
A bank receives a demand deposit of $10,000.
What is demand deposit?A demand deposit account (DDA) is a bank account that allows unannounced withdrawals of deposited funds at any time. DDA accounts have the option, but not the obligation, to pay interest on the deposited funds. Savings and checking accounts are typical DDA types. It would be very difficult to obtain cash or conduct routine business if depositors had to notify their banks in advance of any withdrawals. Demand deposit accounts are designed to offer readily available funds, the money that people require to make purchases or pay their bills. Money held in demand accounts at commercial banks is known as demand deposits or checkbook money. These account balances are typically regarded as money and make up the majority of a nation's strictly defined money supply.To learn more about demand deposit refer to:
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the boyle company estimated that april sales would be 10,000 units with an average selling price of $2.00. actual sales for april were 11,000 units and average selling price was $1.90. the sales volume variance was:
Boyle Company forecast 10,000 units sold in April at an average price of $2; the sales volume variation was -$3,000 unfavorable.
What is a selling price?The amount a buyer has to pay for a good or service is known as the selling price. It may differ based on the price that buyers are prepared to pay, the seller's acceptance threshold, and how competitive that price is in relation to those of other companies in the market.
Briefing:The formula for calculating the sales volume variance is: (Actual sales units - Estimated sales units) Estimated selling price.
Knowing that;
Actual sales units =11,000
Estimated sales units = 10,000 units
Estimates selling price = $2 per unit
Therefore,
Sales volume variance = (11,000 - 10,000) × $2
Sales volume variance = -$3,000
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How do you calculate marginal product produced?
Simply divide the change in the total product by the change in labour to determine the marginal product of labour.
Explain relationship between marginal product and total product?The total product formula must first be retained by pupils in order to infer the relationship. In addition, the relationship between these two is explained by the law of changing proportions. Minimum Product = total output This law explains why TP rises at a faster pace when MP rises. A convex Total Product Curve is provided by this pattern. The process then continues until MP hits the TP maximum point. TP rises at a decreasing rate whereas MP rises and remains positive. After reaching an inflection point, this pattern produces a Total Product curve that has the shape of a concave. It keeps going till the TP curve reaches its peak. TP decreases when MP is negative and deteriorating. If MP is 0, TP is at its highest level.
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What are three major responsibilities of the Fed quizlet?
The Federal Reserve System's responsibilities include: conducting monetary policy; supervising and regulating financial institutions; providing services to depository institutions, the federal government, and the public.
The Federal Reserve System, also known as the Federal Reserve or simply "the Fed," is the central bank of the United States. It was established by Congress to provide the country with a more secure, flexible, and stable monetary and financial system.
The authors of the Federal Reserve Act came up with a relatively simple solution. Instead of banks keeping reserve deposits with one another, have them keep reserve deposits with a central federal bank called Federal Reserve Banks.
The Federal Reserve's actions as a central bank are intended to achieve three congressionally mandated goals in the United States: maximum employment, stable prices, and moderate long-term interest rates. By supervising the nation's banks and influencing interest rates, the Fed has an impact on the economy and the financial lives of Americans. While it does not directly interact with individuals, it ensures that checks, debit cards, and funds can be deposited, used, and transferred in a secure and consistent manner.
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What are the 4 key Agile values explain how these values make a project successful?
The Agile Manifesto, published by the Agile Alliance, has a list of 4 values that are referred to as "Agile Values." This set of principles promotes prioritizing people over processes.
What is the secret to agile planning success?Only task-level estimations are used in agile planning methods to determine whether a feature can be finished in an iteration. The venture team is known at the outset of the project, and team members are fully truly committed, which is a crucial success factor for agile project planning.
What is the secret to agile planning success?Only task-level estimations are used in agile planning methods to determine whether a feature can be finished in an iteration.
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Enterprise application vendors are now including ________ features, such as tools for data visualization, flexible reporting, and ad-hoc analysis, as part of the application.
PRM
business intelligence
social media
SOA
ERM
Ikea asked for the help of its customers in designing new furniture. This is an example of:
behavioral targeting.
prediction markets.
crowdsourcing.
long-tail marketing.
social shopping.
Enterprise application vendors are now including business intelligence features, such as tools for data visualization. Ikea asked for the help of its customers in designing new furniture. This is an example of: crowdsourcing. Hence, option B and C are correct.
What is crowdsourcing?To discover solutions for specialized tasks like graphic design, proofreading, or software testing, many businesses and organizations use specialized crowdsourcing websites like 99designs or Fiverr. Businesses everywhere use social media sites to get inspiration for brand-new goods and services.
The technique of turning to a group of people to gather necessary information, products, or services is known as crowdsourcing. In his article "The Rise of Crowdsourcing" from Wired magazine in 2006, author Jeff Howe invented the phrase "crowdsourcing," which combines crowds and outsourcing.
Thus, option B and C are correct.
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The allocation of the cost of a plant asset to expense over its useful life is called:
a. production
b. depreciation
c. amortization
d. depletion
The allocation of the cost of a plant asset to expense over its useful life is called depreciation.
Depreciation is a term used in accounting to describe two distinct aspects of the same concept: first, the actual decrease in the fair value of an asset, such as the value of plant equipment, which decreases each year as it is used and worn out; and second, the allocation on the accounting statement of the initial cost of the assets for the periods of use and depreciation, which follows the matching principle.
Depreciation is the process of reallocating, or "reducing," the cost of a tangible asset (such as equipment) over its useful life. The property's utility. Companies depreciate long-term investments for accounting and tax reasons.
Hence the correct option is B
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1. What factors contribute to the emergence of marketing in healthcare?
2. What contributed to the growth of marketing practices in healthcare?
3. How is healthcare marketing different from marketing in other industries?
The factors contributing to the emergence of marketing in healthcare's key causes fostering the expansion of marketing in this industry are the rigorous changes in healthcare policies, consumer expectations, and sectoral attitudes.
What are policies?Plans that include adjustments to foreign policy and economic reforms. A policy is a set of ideas or plans that is used as a basis for choices, particularly in politics, economics, or business. Synonyms: process, strategy, action, and program More policy synonyms. Public policy, organizational policy, functional policy, and specific policy are the four different categories of policies. A policy is a course of action that a group or an individual has suggested.
The main elements promoting the expansion of marketing in this industry are the rigorous changes in healthcare policies, customer expectations, and attitudes within the sector itself. Changes in healthcare policy were mostly pushed in the West, where this sector is well organized.
Therefore, consumer expectations, sectoral attitudes, and healthcare policy.
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producing a one of a kind finished good is characteristic of:
The ability to create a unique completed good is a trait of: project-based manufacturing
Production that is centered on projects or jobs is unique production where only one kind of item is produced at once. For really large projects or for one-off customers, this sort of production is frequently used. It's crucial for the operations manager to keep lines of communication open and frequently with the consumer because their demands and preferences have such a significant impact on the final product. Workers engaged in this form of production are experts in their fields or highly skilled.
Project-based manufacturing examples include the following:
Hairstyles, yachts, and custom house construction.
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What was the purpose of the Tennessee Valley Authority How did TVA promoters generate public support?
Answer:
Explanation:
The purpose of the Tennessee Valley Authority was to control flooding, conserve soil, and bring hydroelectric power to the mid-South. TVA promoters generated public support by circulating pictures of soil erosion in parts of the South that were not even in the Tennessee Valley.
If a writer sells a magazine the first serial rights to a story she has written, the magazine has the right to?
If a writer sells a magazine the first serial rights to a story she has written, the magazine has the right to be the first to publish. The magazine has the right to be the first to publish the story in serial form, meaning that they can publish it in parts over a period of time.
The writers will also have exclusive rights to the story during the period of time that they have the serial rights. This means that the writer cannot sell the story to another magazine during this time, as they would be in breach of the agreement. The magazine may also have the right to make changes to the story to make it fit their publication better.
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What is it called if a hacker takes down multiple services very quickly with the help of botnets?
This type of cyber attack is known as a distributed denial of service (DDoS) attack. A DDoS attack is a type of cyber attack where a hacker uses a network of computers or other devices, usually referred to as botnets, to quickly take down multiple services.
An attacker first compromises a large number of computers or devices and then uses them to send a large amount of traffic to the target. This will overwhelm the target, making it difficult or impossible for it to handle all the incoming traffic and eventually causing it to crash. DDoS attacks can be used to take down websites, disrupt services, or even gain access to confidential data.
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the proceeds are paid to the beneficiary on the basis of life expectancy, and payments stop upon the death of the beneficiary. the beneficiary is paid a life income with a minimum number of payments guaranteed. the beneficiary is paid an income for life with any remaining proceeds paid to a contingent beneficiary. the proceeds are left with the company, and interest is paid to the beneficiary. a) ii and iv b) i and iii c) i, iii, and iv d) i, ii, and iii previousnext check for review
The correct choice of options are b) i and iii i.e., the proceeds are paid to the beneficiary on the basis of life expectancy, and payments stop upon the death of the beneficiary and the beneficiary is paid an income for life with any remaining proceeds paid to a contingent beneficiary.
The insurer will pay the proceeds, both in a lump sum or below one of the different agreement alternatives. At the stop of the interest-paying period (or upon request through the beneficiary), the insurer will pay the proceeds both in a lump sum or below one of the different agreement alternatives. lifestyles profits agreement alternatives making sure that a positive minimal variety of bills could be made or a specific minimal quantity could be paid. The enterprise created lifestyles profits agreement alternatives making sure that a positive minimal variety of bills could be made or a specific minimal quantity could be paid, irrespective of how brief the payee's lifestyles is.
Thus, correct option is b.
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in comparison to primary data, secondary data group of answer choices availability guarantees the researcher will do a better job. are always valid even if they are not always reliable. are more time-consuming to gather. are more costly to gather. can be gathered from internal sources as well as external sources.
Some common advantages of primary data are its authenticity, specific nature, and up to date information while secondary data is very cheap and not time-consuming.
What is primary data?Primary data are those that are gathered directly from the data source without going through any pre-existing sources. It is typically gathered specifically for a study endeavor and may be made publicly available for use in other research.
Since it was gathered with the intention of solving a specific study issue, primary data is frequently trustworthy, real, and unbiased. It is interesting that because of the high implementation costs, primary data is not frequently gathered.
The information gathered by businesses during market research, product development, and competition analysis is a typical illustration of primary data. This information is gathered straight from the source, which is typically the current and potential clients.
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What is a command economy socialism?
A command economy would be the polar opposite of capitalism as a form of economic organization. A command economy might also exist in a socialist system, where the government controls important enterprises and closely plans the economic development of a nation's industries rather than allowing for private ownership and free markets as in capitalism.
On the range of economic systems, the command economy and capitalism are on different ends. Every aspect of life exhibits disparities, including who is in charge, the type and volume of production, market control, decision-making, etc. The types of political regimes in which these two economic systems are found also differ.
A communist society's command economy is a common economic structure. It should be able to produce enough to meet the market's requirements since it is intended to be self-sufficient. The government is in charge of managing every business, deciding what will be produced, how much will be produced, and who will make the decisions.
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Which 3 Management Reports Does your client have access to in their QuickBooks Online account?
The 3 Management Reports a client must have access to in their QuickBooks Online account is Cover page, Executive summary and financial notes.
Whether it's a company, a nonprofit, or a government agency, management is the administration of the institution. It is both the science and the art of managing a company's resources.
Setting an organization's strategy and directing employee efforts to achieve goals through the use of available resources, such as financial, natural, technological, and human resources, are included in management. The terms "run the business" and "change the business" are used in management to distinguish between continuing to deliver goods or services and tailoring those same goods or services to satisfy shifting client demands.
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What are the effects of increased industrialization?
Increased population, urbanization, and clear stress on the fundamental systems that support life are all results of industrialization, which also brings environmental consequences closer to the tolerance threshold.
Which demographic do you refer to?Any whole group that shares at least one trait is referred to be a population. People do not make up all populations. Populations can include, but are also not limited to, individuals, animals, organizations, structures, buildings, cars, farms, items, or occasions.
What are the many forms of population?A population is a recognized collection of items used for research and data collection. Examples include humans and animals. It consists of a group of inter breedable species that are all interrelated and inhabit the same region.
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in the context of using information technologies for a competitive advantage, a top-line strategy focuses on: a. increasing revenue by selling existing products to new customers. b. refining operations by using latest technologies. c. improving efficiency by reducing overall costs. d. helping different market segments achieve technological advancemen
a. A top-line strategy focuses on increasing revenue by selling existing products to new customers.
This can be done by identifying new customer segments and targeting them with existing products. Companies can also focus on increasing their market share in existing customer segments.
This involves using information technologies such as analytics, segmentation, and personalization to better understand customer needs and develop more effective marketing strategies.
Companies can also use information technologies to increase their efficiency in terms of order processing and delivery and to reduce the cost of customer service. This allows companies to increase their profits while still providing a great service to customers.
By focusing on increasing revenue through existing products, companies can use information technologies to gain a competitive advantage.
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Why is it called Sprint in Scrum?
Scrum: The Art of Doing Twice the Work in Half the Time is a new book by Sutherland. And thus my crew went on what we dubbed "sprints". We named them such because the term invoked a sense of ferocity. We were going to work out for a little while and then see where we were.
You and your Scrum Team can pick the Sprint length that works best for your team as long as it is one month or less in length. Shorter sprints result in more learning cycles and a shorter risk window. Each Sprint may be thought of as a brief period of labor.
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