A digital engine refers to the technological infrastructure that enables the operation of digital services or products. In the context of Mastercard, their digital engine is a platform that enables the delivery of digital payment services to customers.
The digital engine consists of various components such as software, hardware, and data analytics tools that work together to enable secure and reliable payment transactions.
Mastercard's digital engine is a comprehensive platform that integrates various technologies and services to provide digital payment solutions to customers. The platform consists of multiple layers, including a transaction processing layer, a data analytics layer, and a security layer. The transaction processing layer handles the authorization, clearing, and settlement of payments, while the data analytics layer provides insights into customer behavior and preferences. The security layer ensures the safety and integrity of transactions by using various encryption and authentication technologies.
One unique aspect of Mastercard's digital engine is its focus on delivering a seamless and consistent experience across multiple channels and devices. For example, customers can make payments using their mobile phones, tablets, laptops, or smartwatches, and the digital engine ensures that the transaction is processed in the same way regardless of the device or channel used. Additionally, the digital engine supports various payment types, including contactless payments, online payments, and in-app payments.
Regarding Mastercard's marketing programs, it's difficult to determine their effectiveness without more information about the specific programs and metrics used to measure their impact. However, if Ajay Banga, CEO of Mastercard, believes that the marketing programs are not delivering the desired results, then increasing the marketing budget could be a viable solution. It's worth noting that marketing budgets are often a delicate balancing act between maximizing exposure and managing costs, so any decision to increase the budget should be based on careful analysis of the expected returns on investment.
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What are loans to government and companies? please hellppzz
Answer:
loans for a company is when they pull out more money than they have then using it and it has to be repaid
Explanation:
The Earned Income Tax Credit is considered by policy analysts to be:
a. a historical inefficient method of alleviating the negative effects of poverty
b. one of the most popular and effective means to fight poverty
c. a more conservative approach to harm reduction for people living under the poverty line
d. a measure that in fact only protects the wealthier members of society at the expenses of those in poverty
The Earned Income Tax Credit (EITC) is generally considered by policy analysts to be:
b. one of the most popular and effective means to fight poverty.
The EITC is a tax benefit program in many countries, including the United States, that provides tax credits to low- and moderate-income individuals and families who meet certain eligibility criteria. It is designed to provide financial assistance and incentive for individuals to work and support themselves and their families.
Policy analysts often view the EITC favorably because it has been shown to have several positive effects. It helps lift families out of poverty, reduces income inequality, encourages workforce participation, and supports economic mobility. The EITC provides additional income to low-income households through tax credits, effectively supplementing their earnings and helping them meet basic needs.
While there may be ongoing debates and discussions about the specific design and implementation of the EITC, it is generally recognized as an important tool in combating poverty and improving the financial well-being of low-income individuals and families.
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1) What is cost behaviour and what are the five different types of
cost behaviour?
Cost behavior refers to how costs change as the volume of activity changes. Understanding cost behavior helps management make informed decisions regarding pricing, budgeting, and cost control. There are five primary types of cost behavior: Fixed costs, variable costs, Semi-variable costs, Step costs, and Mixed costs.
The five different types of cost behavior are as follows:
1. Fixed costs - These are costs that do not change with the level of activity. Examples of fixed costs include rent, insurance, and property taxes.
2. Variable costs - These are costs that change in proportion to the level of activity. Examples of variable costs include direct materials, direct labor, and sales commissions.
3. Semi-variable costs - These are costs that have both fixed and variable components. Examples of semi-variable costs include utilities, maintenance, and shipping costs.
4. Step costs - These are costs that are fixed for a certain level of activity but then increase in steps as activity increases. Examples of step costs include hiring additional staff or purchasing new equipment.
5. Mixed costs - These are costs that have both fixed and variable components but are not easily separable. Examples of mixed costs include telecommunications expenses or advertising costs.
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Susan Robinson is planning for her retirement. She is 30 years old today and would like to have $600,000 when she turns 55. She estimates that she will be able to earn a 9 percent rate of return on her retirement investments over time; she wants to set aside a constant amount of money every year (at the end of the year) to help achieve her objective. How much money must Robinson invest at the end of each of the next 25 years to realize her goal of 600,000 at the end of that time?
Susan Robinson, who is currently 30 years old, wants to accumulate $600,000 by the time she turns 55 for her retirement. She anticipates earning a 9 percent rate of return on her retirement investments. To achieve this goal, Susan needs to determine the amount she must invest at the end of each year for the next 25 years.
To calculate the amount Susan needs to invest each year, we can use the concept of present value and annuity. The present value of an annuity formula can be applied in this scenario. Given that Susan wants to accumulate $600,000 in 25 years and expects a 9 percent rate of return, we can use the following formula:
PMT = PV / [(1 - (1 + r)^(-n)) / r]
Where:
PMT = Annual payment
PV = Present value or target amount ($600,000)
r = Interest rate per period (9% or 0.09)
n = Number of periods (25 years)
Substituting the values into the formula, we can calculate the annual payment required for Susan:
PMT = $600,000 / [(1 - (1 + 0.09)^(-25)) / 0.09]
Calculating this expression will give us the annual payment Susan needs to make to accumulate $600,000 by the time she turns 55.
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How long does it take after the irs accepts your refund.
it take 6 to 8 week in order to accept your refund
Bill Poole wants to have $25,000 available in 5 years for a down payment on a house. He has inherited $21,000. How much of the inheritance should he invest now to accumulate the $25,000 if he can get an interest rate of 5.3% compounded quarterly?
Bill should invest around $21,559.60 of his inheritance now in order to accumulate $25,000 in 5 years with a 5.3% we can use the formula for compound interest:
A = P(1 + r/n)^(nt)
Where:
A = Final amount ($25,000)
P = Principal amount (unknown)
r = Annual interest rate (5.3%)
n = Number of times interest is compounded per year (quarterly, so 4)
t = Number of years (5)
Plugging in the values:
$25,000 = P(1 + 0.053/4)^(4*5)
Now, we can solve for P by isolating it:
P = $25,000 / (1 + 0.01325)^(20)
Calculating this, we find that P is approximately $21,559.60.
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Jim and Lisa are buying their first home together. The purchase price is $157,500.00 and they are putting a 20 percent down payment on the home. They have been approved for a 20-year loan at a 6 percent interest rate. What is the total amount of interest that they will pay during the entire loan?
A. $84,724.16
B. $86, 518.40
C. $88,724.16
D. $90,518.40
Answer: D. $90,518.40
Explanation:
They are putting a 20% down payment on the home which means they are paying 80%;
= 80% * 157,500
= $126,000
First find the monthly payments;
Present value = Payment * ((1 - (1 + r)^-n) / r)
n= 20 * 12 = 240 months
r = 6/12 = 0.5%
126,000 = Payment * (( 1 - ( 1 + 0.5%)⁻²⁴⁰) / 0.5%)
126,000 = Payment * 139.58077168292915831291691663652
Payment = 126,000/139.58077168292915831291691663652
Payment = $902.70313
They'll pay that for 240 months;
= 902.70313 * 240
= $216,648.7512
Interest = 216,648.7512 - 126,000
= $90,648.7512
= $90,648.75
Closest answer is D.
Answer:
$90,518.40
Explanation:
Corinne works in procurement for a major electronics company. One of her challenges is ensuring that raw metals, such as tungsten, coltan, and tantalum, are not being sourced from mines whose profits are used to finance war lords and terrorists. She’s very excited to work with a new company that uses _______, an incorruptible digital recordkeeping system to track these precious metals from mine to manufacturer to ensure they are not "conflict metals. ".
Corinne is excited because the company uses the public blockchain which is an incorruptible digital recordkeeping system to track these precious metals from mine to manufacturer.
What is blockchain?It should be noted that blockchain simply means a system of recording information in a way that's vital to prevent fraud.
In this case, Corinne is excited because the company uses the public blockchain which is an incorruptible digital recordkeeping system to track these precious metals from mine to manufacturer.
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"Which of the following is NOT correct? Group of answer choices Roadrailers are considered a multimodal solution when all of their capabilities are utilized. Packaging is a logistics activity. The difference between a contract carrier and a common carrier is that the common carrier handles shipments on a case-by-case basis while the contract carrier handles shipments based on long term contracts. Assortment warehousing is a form of warehousing that combines classic operations with light manufacturing and packaging duties in order to assure short customer lead times."
Answer:
Assortment warehousing is a form of warehousing that combines classic operations with light manufacturing and packaging duties in order to assure short customer lead times.
Explanation:
Warehousing
This have different points of view. The traditional view about warehousing is that it is a place used in for storage or holding of goods/ inventory
The contemporary opinion about warehousing is that it is has function set in place to mix inventory assortments to meet the need of customer. It deals with the storage of products which is held to a minimum.
Warehousing types
This includes;
1. Distribution centers
2. Consolidated terminals
3. Break-bulk facilities
4. Cross-dockers
assortment warehousing
This is a known form of warehousing. It consists of when different type of goods is held close to the source of demand in order to assure short customer lead time.
You will begin setup 1 hour before the meeting
It takes a server about 7 minutes to setup a table
Each table seats 4 people
110 people are attending the meeting
How many servers do you need to complete the setup on time?
3
4
5
Answer:
7mins = 1 table
4 people= 1 table
110 people attending
110÷4=27.5 tables
round up to 28 tables
28÷7=4
Explanation:
you need 4 servers
what are some pros and cons to using a credit card?
Answer:
Pro is that you can use it anytime to pay for something. Con is that sometimes people don't pay them off.
Answer:
Credit cards allow you to spend money that you don't have at that point in time. You basically take out a tiny loan every single time you use a credit card, but as with all lones that means the credit card charges you interest which is a problem when paying off credit card debt
Explanation:
d- be hurt or be benefit----- absolute or comparative
A representative of the American clothing industry made the following statement: "Workers in Asia often work in sweatshop conditions earning only pennies an hour. American workers are more productive
A. Main answer: The representative's statement suggests that American workers are more productive compared to workers in Asia who earn low wages in sweatshop conditions.
B. Explanation: The representative's statement implies a comparative advantage for American workers in terms of productivity. It suggests that American workers are more efficient and effective in their work compared to workers in Asia. However, it does not directly mention whether this situation would be a benefit or a detriment to either group of workers. The statement focuses on the productivity comparison rather than the absolute impact on the workers' well being.
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Your typical markup for merchandise is 36%. Your cost on an item is $11.00. Calculate the selling price.
Answer: 14.96 I took the test
Explanation:
The tagged price or list price refers to the price listed on a product's label. This is the cost at which the product will be offered for sale. Hence Marked Price $ 14.36 .
What is Marked Price ?The product may actually sell for less than the advertised price due to discounts that may be applied to this pricing.
The sum of all the expenses incurred during the manufacturing of a good or service is known as the cost price. It is the cost at which the merchant or retailer purchased the good. The price that a producer or seller sets for their goods is referred to as the marked price.
Especially in circumstances where products are being sold or bought. To sell the item at a specific cost, the selling price is used., which can be determined by applying the selling price formula.
The selling price is the price the customer pays to purchase the good. The cost a buyer incurs to purchase a good or service is the real selling price. This pricing includes a profit margin and is higher than the cost of the items.
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John owns his own printing company. He wants to buy a new building since his business, created two years ago, is expanding so rapidly. John could call any resources to obtain a new loan in the primary mortgage loan business EXCEPT:
Answer:
A mortgage broker. Have a good day! =)
Explanation:
The perspectives expressed in the public service announcements suggest that popular interest in environmental issues such as smog control emerged most directly from.
The perspectives that was expressed in the public service announcements emerged from a greater awareness of impacts of abuses of natural resources.
Wnat is perspective?It should be noted that perspective simply means the point of view of an individual regarding a particular issue.
In this case, the perspectives that was expressed in the public service announcements emerged from a greater awareness of impacts of abuses of natural resources.
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Pat Delaney Company leases an automobile with a fair value of $13,628 from John Simon Motors, Inc., on the following terms.
1. Noncancelable term of 55 months.
2. Rental of $290 per month (at end of each month). (The present value at 1% per month is $12,223.)
3. Estimated residual value after 55 months is $1,160. (The present value at 1% per month is $671.) Delaney Company guarantees the residual value of $1,160.
4. Estimated economic life of the automobile is 60 months.
5. Delaney Company’s incremental borrowing rate is 12% a year (1% a month). Simon’s implicit rate is unknown.
What is the present value of the minimum lease payments?
Record the lease on Delaney Company’s books at the date of inception.
Record the first month’s depreciation on Delaney Company’s books (assume straight-line).
Record the first month’s lease payment.
The question involves finding the present value of the minimum lease payments. Pat Delaney Company leases an automobile with a fair value of $13,628 from John Simon Motors, Inc., on the terms mentioned.
In this problem, the present value of the minimum lease payments can be calculated using the formula:
PMT * [(1 - (1 + i) ^ -n) / i] + RV / (1 + i) ^ n
Where, PMT is the payment, RV is the residual value,
i is the interest rate (in this case 1% per month), and n is the number of periods (in this case 55 months).
Substituting the values in the formula: PMT = $290RV = $1,160i = 1% per month n = 55 months
Using the above formula, we get the present value of the minimum lease payments as:$12,223 (rounded to the nearest dollar).
The lease can be recorded on Delaney Company's books at the date of inception as follows: Lease receivable $12,223Lease liability $12,223
To record lease of an automobile with a fair value of $13,628 for 55 months at a monthly rental of $290 and a guaranteed residual value of $1,160, with the present value of minimum lease payments of $12,223.
The first month's depreciation can be calculated using the straight-line method as follows:
Depreciation expense = (Cost - Residual value) / Useful life= ($13,628 - $1,160) / 60 months= $218
The first month's lease payment can be recorded as follows: Lease liability $290Cash $290To record first month's lease payment.
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There are three different types of slings. What determines which type you use?
The type of sling used depends on several factors, including the weight and size of the load to be lifted, the shape of the load, the location of the lift, and the environmental conditions.
The three main types of slings are:
1. Chain slings: These are made of metal chains and are suitable for lifting heavy loads that have sharp edges or rough surfaces. They are durable and resistant to high temperatures, making them suitable for use in harsh environments.
2. Wire rope slings: These are made of steel wire rope and are used for lifting loads that require flexibility and resistance to abrasion. They are commonly used in construction and mining industries.
3. Synthetic slings: These are made of synthetic materials such as nylon, polyester, or polypropylene and are lightweight, flexible, and easy to handle. They are suitable for lifting loads with delicate surfaces, as they do not cause damage or scratches.
The choice of sling depends on the load's characteristics and the conditions under which the lift will occur. The weight of the load, its shape, and the lifting points all play a crucial role in determining which type of sling is most appropriate. Environmental factors such as temperature, moisture, and exposure to chemicals or UV radiation may also influence the choice of sling.
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samantha wants to rent a storefront for her business. her agent shows her a building she loves, so she fills out an application for the commercial property. her application is denied, and when she asks her realtor why, he admits that the owner wants only white renters. did the owner violate the fha?
No, the owner did not violate the FHA, Non-dwelling structures are not covered by the FHA.
What exactly is meant by FHA?President Franklin Delano Roosevelt established the Federal Housing Administration (FHA), often known as the Office of Housing inside the Department of Housing and Urban Development (HUD). The FHA guarantees private lender mortgages for single-family homes, multifamily rental units, hospitals, and residential care institutions. The organization's mission is to make affordable mortgage credit available to low- and moderate-income and first-time homebuyers, as well as to build affordable and market-rate rental properties and hospitals and residential care facilities in communities across the United States and its territories.
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In your own words, discuss the payback period, NPV (net present value), and IRR (internal rate of return) methods for capital budgeting analysis. What result does each method provide the user? What are the limitations of each of these methods? Which method would you find most useful in making the best investment decisions for your business and why?
Answer:
The net present value (NPV) is the most important and useful method of capital budgeting analysis. It is basically calculated by determining the present value of all the future cash flows generated by a project and then subtract the original investment cost. If the answer is positive (positive NPV) then the project should be profitable and the company should go ahead with it. The limitation of NPV results from the discount rate used to calculate the present value, since it is extremely important to use the proper discount rate and not one that is too low or too high.
The second most useful tool is the internal rate of return (IRR) which is very related to the NPV. The IRR shows us basically at what discount rate the NPV would equal 0. Generally if the IRR is higher than the discount rate the NPV should be positive.
The payback period shows us how much time it takes a project to recover the original amount of money invested in it. The payback period is only useful for some industries where early obsolescence might be a problem. E.g. technological firms only approve projects with very short payback periods because their products might be obsolete in just one or two years.
What are some factors that would influence supply? Explain
Answer:
6 Factors Affecting the Supply of a Commodity (Individual Supply) |
Price of the given Commodity: ADVERTISEMENTS: ...
Prices of Other Goods: ...
Prices of Factors of Production (inputs): ...
State of Technology: ...
Government Policy (Taxation Policy): ...
Goals / Objectives of the firm:
Explanation:
Please mark as brain list
After a presentation is created, there is nothing left to do.
True
False
Answer:
false
Explanation:
Checking the competitive advantage potential of cross-business strategic fits in a diversified company involves evaluating the extent to which sister businesses present opportunities
-to combine the performance of certain cross-business activities and thereby reduce costs.
-to transfer skills, technology, or intellectual capital from one business to another.
-for the company's different businesses to share use of a well-respected brand name.
-for sister businesses to collaborate in creating valuable new competitive capabilities.
-to create a positive image in the industry irrespective of the financial performance of its businesses.
Checking the competitive advantage potential of cross-business strategic fits in a diversified company involves evaluating the extent to which sister businesses present opportunities:
to combine the performance of certain cross-business activities and thereby reduce costs.to transfer skills, technology, or intellectual capital from one business to anotherfor the company's different businesses to share use of a well-respected brand name.for sister businesses to collaborate in creating valuable new competitive capabilities.to create a positive image in the industry irrespective of the financial performance of its businessesWhat is a competitive advantage potential?Competitive advantage means the factors that permits an organization to manufacture goods or services better or more at a lesser rate than its competitors. These factors affords the productive objects to have more sales or superior margins compared to its market competitors.
Therefore, the correct answer is as given above
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when an issue necessary to the development of the value opinion is uncertain as of the effective date of the assignment results of the appraiser will use:
The assignment results of the appraiser will use Extraordinary assumption. An extraordinary assumption is an assumption which if found to be false could alter the resulting opinion or conclusion.
What Extraordinary assumption ?A statement or condition that is presumed or assumed to be true and from which a conclusion can be drawn is referred to as an assumption.
An extraordinary assumption is one that, if proven false, could change the resulting opinion or conclusion. A hypothetical condition is a false assumption made for the purpose of discussion, analysis, or the formulation of opinions.
The distinction between the two lies in the assumption's potential veracity. A hypothetical condition is one that is known to be contrary to fact, whereas an extraordinary assumption is one that is simply unknown or uncertain.
The results of any hypothetical condition analysis are known to be unrepresentative of reality because the assumptions upon which they are based are false. The results of an analysis based on extraordinary assumptions may be inaccurate to the extent of the uncertainty underlying the assumptions upon which the analysis or opinions are based.
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ashburn corporation issued 20-year bonds 2 years ago at a coupon rate of 7.2 percent. the bonds make semiannual payments. if these bonds currently sell for 95 percent of par value, what is the ytm?
If the price of these bonds is currently 95% of their par value, The YTM of these bonds is approximately 7.5%.
What is the YTM?
YTM (Yield to Maturity) is the total return expected on a bond if it is held until the maturity date. It is the internal rate of return of the bond, taking into account all coupon payments and the face value of the bond. In this question the answer in the step by step order given below
Calculate the present value of the bond.
The present value of the bond can be calculated by multiplying the face value of the bond (also known as par value) by the current market price of the bond (in this case, 95%).
Present Value = Par Value x Market Price
Present Value = 100 x 0.95
Present Value = 95
Calculate the present value of the coupon payments.
The present value of the coupon payments can be calculated by multiplying the coupon payment amount by the present value of an annuity factor.
The annuity factor can be found using a financial calculator or by using the following formula:
Annuity Factor = [1 - (1/(1+r)^n)] / r
Where r is the interest rate (in this case, 7.2%) and n is the number of payments (in this case, 40).
Annuity Factor = [1 - (1/(1+0.072)^40)] / 0.072
Annuity Factor = 37.3
The present value of the coupon payments can then be calculated by multiplying the coupon payment amount (7.2% of par value) by the annuity factor.
Present Value of Coupon Payments = Coupon Payment Amount x Annuity Factor
Present Value of Coupon Payments = 0.072 x 100 x 37.3
Present Value of Coupon Payments = 267.2
Calculate the YTM.
The YTM can be calculated by solving for the interest rate that makes the present value of the bond equal to the present value of the coupon payments. This can be done using a financial calculator or by trial and error.
For this example, the YTM is approximately 7.5%.
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Which of the following is not a life role category?
O Risk Taker
O Worker
O Family Member
O Learner
Risk Taker is not a life role category.
A life role is a set of expectations, behaviors and attitudes that a society assigns to a person based on their gender, age, social status, race or other factors. For example, in many cultures women are expected to be loving, nurturing and care-givers, while men are expected to be strong, provider-types.
Life roles help to define how we see ourselves and how we are seen by others. They can be a source of satisfaction and fulfilment, but they can also be a source of stress and frustration if they do not fit with our own personal aspirations and identity.
Hence, the correct option is "First".
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How do the elements of the marketing mix work together to help create a
marketing strategy?
Answer:
The marketing mix refers to the actions a company takes to market its product(s) and/or service(s). Typically, it acts as a framework for breaking down the four key components of marketing — product, price, place, and promotion.
Explanation:
What levels of risk does investing in the stock generally carry
medium
medium, high,
low, high
or low?
Low, high levels of risk does investing in the stock generally carry. Over the long term, stocks have the highest potential for growth for investors. Investors who have chosen to hold onto stocks for an extended length of time—say let's 15 years.
Typically been rewarded with robust, profitable returns. Utilize your associated banking account to open a risk and trading account. Access that trading account. Choose the shares you want to purchase or sell. Make sure you have the necessary investing funds in your account to purchase the shares stocks. taking dividends in— Many stocks distribute dividends, which are based on the company's earnings per share.
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Why is internal control over cash important? Check all that apply.
- the elevated risk of theft
- the high volume of cash transactions
- the inherent lack of segregation of duties
- the infeasibility of document procedures
Except for option C. All that apply Internal controls must be in place to protect these assets and ensure that only authorized individuals have access to them.
What is Internal Control?Internal control is a procedure implemented by a company's board of directors, management, and other staff members and intended to give reasonable assurance that the information is trustworthy, accurate, and timely. of adherence to relevant laws, rules, contracts, policies, and procedures.
Thus, Internal control is crucial when it comes to cash because it is susceptible to theft or loss. Because of the enormous volume of cash transactions, there is always always a very high risk of theft, which is prevented by the separation of roles and the impossibility of document procedures.
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How do you define key terms in research?
Before you start a debate about any essential terms in your article, define them all. Readers want to know how you comprehend the terms before they continue reading, even if you believe your audience is familiar with their definitions. If a definition is disputed, which means that other authors have used alternative definitions of the term, be sure to mention these variations and explain why you prefer one over the others.
Cite your sources when discussing crucial phrases and concepts
The primary terminologies used in a research are called key terms. For instance, the important terms in a thesis on how branding, loyalty, and contentment affect consumers' purchasing decisions could be branding, loyalty, satisfaction, and consumers' buying habits.
Before continuing, a reviewer who is unfamiliar with these terms because they don't pertain to the marketing industry will want to know what they signify.
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a. the project may be undertaken even though the total costs exceed the total benefits. b. the intensity of individual preferences is taken into account.
In a simple majority vote on a public project, the project may be undertaken even though the total costs exceed the total benefits. Option A is the correct answer.
A government-funded project that is intended to be owned or operated by that government is considered a public project. The majority of public projects are tasks carried out by the government in order to serve the public interest. Option A is the correct answer.
Even if the public has a stake in these initiatives, they are not regarded as public projects even though government organizations may have a hand in them through the supply of loans or other forms of financial assistance. Frequently, these tasks involve the upkeep and construction of public roads, the development of public facilities like schools and parks, and other similar tasks.
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The complete question is, "In a simple majority vote on a public project,
A. the project may be undertaken even though the total costs exceed the total benefits.
B. the intensity of individual preferences is taken into account.
C. the project will always be undertaken if the total benefits exceed the total costs.
D. the project will never be undertaken if the costs exceed the benefits."