what is the name given to causes or conditions listed in the policy that are not covered and for which no benefits are payable?

One of the many tasks that an Environmental Engineering Technician might do is to conduct a pollution survey.

What is Environmental Engineering Technician?

There are many different positions one might hold within the broad field of environmental technology. One of them is assisting environmental engineers and environmental scientists in identifying, evaluating, preventing and controlling environmental contamination.

Environmental technicians conduct equipment inspections and maintenance, handle hazardous waste, collect samples, oversee waste operations, and perform other tasks as required.

Environmental specialists keep an eye on the environment and look for sources of contamination and pollution, especially those that could have an impact on public health. Additionally, they strive to stop environmental infractions.

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The 5-day 95% Value at Risk (VaR) for the portfolio is £0.3389 million, considering the correlation matrix and daily volatilities.The individual assets' equivalent positions have VaR values of £0.3364 million for Eastwood Inc. and £0.4144 million for Van Cleef Inc.The portfolio's VaR is slightly lower than the sum of the VaR for individual assets, indicating a diversifying effect due to the correlation between Eastwood Inc. and Van Cleef Inc.

To calculate the 5-day 95% Value at Risk (VaR) for the portfolio, we need to consider the correlation matrix and the daily volatilities of the stocks in Table 1.

The formula for portfolio VaR is given by VaR_portfolio = (Portfolio Volatility) * (Z-score), where the Z-score corresponds to the desired confidence level.

(a) To calculate the portfolio VaR, we first need to determine the portfolio volatility. Using the correlation coefficients and volatilities provided, we can calculate the portfolio volatility as follows:

Portfolio Volatility = sqrt[(w1^2)*(σ1^2) + (w2^2)*(σ2^2) + 2*(w1)*(w2)*(σ1)*(σ2)*(ρ12)],

where w1 and w2 are the weights of Eastwood Inc. and Van Cleef Inc. in the portfolio, σ1 and σ2 are their respective daily volatilities, and ρ12 is the correlation coefficient between them.

Plugging in the values, we get:

Portfolio Volatility = sqrt[(15^2)*(0.0145^2) + (16^2)*(0.0125^2) + 2*(15)*(16)*(0.0145)*(0.0125)*(0.7)] = 0.2058.

Next, we need to determine the Z-score corresponding to a 5-day 95% confidence level. Assuming a normal distribution, the Z-score for a 95% confidence level is approximately 1.645.

Finally, we can calculate the portfolio VaR:

VaR_portfolio = (Portfolio Volatility) * (Z-score) = 0.2058 * 1.645 = 0.3389.

Therefore, the 5-day 95% VaR for the portfolio is £0.3389 million.

(b) To calculate the 5-day 95% VaR for equivalent positions in the individual assets, we can apply the same formula as above but consider each asset individually. For Eastwood Inc., the calculation would be:

VaR_Eastwood = (Position) * (Volatility) * (Z-score) = 15 * 0.0145 * 1.645 = 0.3364 million.

Similarly, for Van Cleef Inc., the calculation would be:

VaR_Van Cleef = (Position) * (Volatility) * (Z-score) = 16 * 0.0125 * 1.645 = 0.4144 million.

(c) The results from parts (a) and (b) show that the portfolio VaR (0.3389 million) is slightly lower than the sum of the VaR for individual assets (0.3364 million for Eastwood Inc. and 0.4144 million for Van Cleef Inc.).

This suggests that the correlation between Eastwood Inc. and Van Cleef Inc. (0.7) has a diversifying effect, reducing the overall risk in the portfolio.

However, it is important to note that the VaR measure assumes a normal distribution of returns and relies on historical data, which may not accurately capture extreme market events or changes in correlations.

Therefore, VaR should be used as a tool for risk assessment alongside other risk management techniques and considerations.

In addition, the VaR calculated here only provides an estimate of potential losses at a specific confidence level (95% in this case) over a specific time horizon (5 days).

It does not capture the possibility of losses exceeding the VaR estimate in extreme scenarios. Therefore, it is crucial to continually monitor and assess risks in the portfolio.

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The amount of current assets minus current liabilities is called (1) working capital.

Working capital is a financial metric that represents the amount of funds available to a company for its day-to-day operations. It is calculated by subtracting the total current liabilities from the total current assets of a business. Current assets include cash, accounts receivable, inventory, and other assets that are expected to be converted into cash within one year or the operating cycle of the business. Current liabilities, on the other hand, include obligations that are expected to be settled within the same time frame.

The formula for calculating working capital is:

Working Capital = Current Assets - Current Liabilities

Working capital is an important indicator of a company's short-term liquidity and its ability to meet its immediate obligations. Positive working capital indicates that a company has enough assets to cover its short-term liabilities, while negative working capital suggests a potential liquidity issue. Effective management of working capital is crucial for maintaining the financial health and stability of a business.

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Answer:

-travel agency

Explanation:

The food and beverage industry is made up of establishments whose core business is preparing meals, snacks, and beverages as per customers' orders for immediate consumption in or off the premises. A school cafeteria, McDonald's inside a Walmart, and restaurant inside a shopping mall will fit into the food and beverage industry's definition.

A travel agency is best placed in the tours and travels industry.

"Adam Smith believed that imports are less valuable than exports and therefore trade will hurt us" is False.

Adam Smith believed that trade is beneficial for a nation and that exports and imports are equally valuable.

Let us discuss Adam Smith and his theory of absolute advantage and its relation to international trade.

Adam Smith, a Scottish philosopher and economist, is best known for his book, "The Wealth of Nations." The book is considered the foundation of modern economics and was published in 1776. In it, Smith argued that specialization and free trade would lead to greater wealth for a country. Smith's theory of absolute advantage explains how trade can benefit all countries involved by enabling specialization in the production of goods and services in which a country has an absolute advantage.

Absolute advantage is when a country can produce a good or service at a lower cost than another country.

Smith also argued that exports and imports are equally valuable and that trade should not be restricted. He believed that every country could benefit from trade by specializing in producing goods and services that they can produce efficiently and exchanging them with other countries for goods and services that they cannot produce efficiently.

In conclusion, the statement "Adam Smith believed that imports are less valuable than exports and therefore trade will hurt us" is False. Smith believed that trade is beneficial for a nation and that exports and imports are equally valuable.

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403(b) Plans are retirement savings plans designed for employees of non-profit organizations, such as schools and hospitals. These plans are similar to 401(k) plans offered by for-profit companies.

While 403(b) Plans offer a range of investment options, they are not permitted to invest in all types of financial products.

Specifically, 403(b) Plans are not allowed to invest in Variable Annuities, which are insurance products that offer varying rates of return based on market performance.

However, 403(b) Plans can invest in Mutual Funds, Fixed Annuities, Common Stocks, and other types of securities.

It is important for employees to carefully consider their investment options when selecting a 403(b) Plan, and to consult with a financial advisor if they have any questions or concerns.

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The resource model of voting is a theory of political involvement that highlights how disparities in resources such as time, money, and education affect how much it costs to vote.

The Downs' paradox, or the paradox of voting has inequality for education, is the observation that, for a self-interested, rational voter, the costs of voting typically outweigh the anticipated benefits.

Nothing Like Voting, I Vote for Sure is the topic for this year's NVD, which is devoted to voters and expresses how people feel and want to participate in the electoral process by using their vote as a tool. The election process is intended to be represented by the logo as festive and inclusive.

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Answer:

spine and shoulders are affected

The spine and the shoulders of our body part are mostly affectd by the plogue pose. It stretches our body muscles.

It is a stretching exercise which keeps your body fit and flexible.

Doing stretching exercise regularly benefits the body mucles and tendons.

The plow pose is a stretching exercise where one positions his/her body upside down and keeps their feet bend over the head.

This pose affects our spine and also our shoulders.

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Answer:

yes for sure, vivid 19 messed up alot of business

There are different kinds of vendors who offers various kinds of services. The vendor that offers comprehensive solutions for organizations that do not have in-house resources to develop a supply chain management (SCM) system  are SAP....Oracle, JDA software, and Ariba.

JDA Software is known to be a software and consultancy company. They are known to specializes in selling supply chain management products and services to businesses. Their goal is to help its customers optimize costs, achieve revenue growth etc.

Oracle is known as a company that is best known for its Oracle database software. It is a relational database management system, and also use for computer systems and software, such as Solaris and Java. It was said to be acquired in its purchase of Sun Microsystems in 2010.

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Cone Company redeemed its bonds on July 1, 2020, at 98 plus accrued interest. The schedule shows that the carrying value of the bonds at the time of redemption was $2.135 million, resulting in a gain of $15,000 for Cone Company.

The bond issue price was $2.3 million, which is $300,000 over the face value of $2 million. The premium of $300,000 was amortized over the life of the bonds.

From December 1, 2017, to June 30, 2020, the bonds were outstanding for 31 months, or 2.58 years.

The annual amortization of the premium is

$300,000 / 20 = $15,000.

The unamortized premium at the redemption date was

$15,000 x 2.5 years = $37,500.

The accrued interest on the bonds was

$50,000 ($2 million x 0.10 x 6/12).

Therefore, the total cost of the redemption was

$2.135 million ($2.1 million + $37,500 + $50,000).

The gain on redemption is

$15,000 ($2.135 million - $2.1 million).

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Target's decision to settle with the Equal Employment Opportunity Commission (EEC) and applicants for $2.8 million, while denying improper hiring practices, raises questions about their ethics.

Target's rationale for accepting the settlement may stem from various factors. Firstly, going to court can be a lengthy and expensive process, and settling avoids the uncertainty and costs associated with litigation. Additionally, even if Target believes it is not guilty of discrimination, there may have been concerns about potential reputational damage or negative publicity that could arise from a prolonged legal battle. Settling can help mitigate those risks and allow the company to focus on its core business operations.  

However, from an ethical standpoint, some may argue that if Target truly believed it was innocent and had a strong defense, they should have pursued a court trial to clear their name and establish their innocence definitively. By settling, the company may be seen as indirectly admitting guilt or attempting to avoid public scrutiny. Ultimately, the decision to settle rather than go to court depends on a complex assessment of legal risks, financial considerations, and the company's overall reputation management strategy.

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Answer:

Efectivamente, el mero crecimiento económico no es suficiente para terminar con la pobreza y preservar el medio ambiente, sino que dicho crecimiento debe ir acompañado de un desarrollo estructural que contemple el acceso igualitario a los distintos servicios por parte de la sociedad, así como también el establecimiento de controles sanitarios y medioambientales que preserven el bienestar de los individuos en el marco del desarrollo de las actividades económicas.

Answer:

Eh easy aall you have to do is pay 4,305 dolllars

Explanation:

Answer:

Demand conditions

Explanation:

Demand conditions means the size and the nature of the customer base for the products that could result in innovation and the improvement related to the product.

Since in the given situation it is mentioned that their products contains less cost but they develop the best quality shoes also they innovate the products from time to time so this represent the demand conditions

When an employee misconduct case is the subject of a forensic investigation, it is important to conduct a thorough and comprehensive investigation to uncover all relevant information and evidence. This is necessary in order to build a strong case that can be presented in court.

The following are some key elements that should be included in a forensic investigation of employee misconduct:

1. Identification of the issue: The first step in a forensic investigation is to identify the issue or problem that is the subject of the investigation.

This can include identifying the specific misconduct that the employee is alleged to have committed, as well as any other relevant details or information.

2. Gathering of evidence: Once the issue has been identified, the next step is to gather all relevant evidence related to the case.

This may include reviewing documents, emails, and other electronic records, as well as interviewing witnesses and conducting other types of investigations.

3. Analysis of the evidence: After all evidence has been gathered, it must be carefully analyzed to determine its relevance and importance to the case.

This analysis may involve reviewing the evidence to identify any patterns or connections, as well as identifying any gaps or inconsistencies in the evidence.

4. Preparation of the report: Once the evidence has been analyzed, a comprehensive report should be prepared that outlines all relevant findings and conclusions.

This report should include a detailed description of the issue, the evidence that was gathered, and any conclusions that were reached based on the analysis of the evidence.

5. Expert testimony: In many cases, expert testimony may be necessary to help support the conclusions reached in the forensic investigation.

This may include testimony from experts in fields such as accounting, computer forensics, or other relevant areas.

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Planning budgets are sometimes called static budgets.

A static budget is one that stays the same regardless of changes in activity levels. As a result, the budgeted amounts remain unchanged even if actual sales production differs dramatically from the projections made in the static budget.

For instance, a corporation using a static budget would establish a projected expense for the duration of the time, such as $30,000 for a marketing campaign. Managers are therefore responsible for sticking to the budget, regardless of how the actual cost of running the campaign performs throughout the course of the period.

Budget set for a single level of production output is known as a static budget. Likewise known as a master budget. Flexible Budget: A condensed budget that is simple to calculate for various production volume levels. Separates

Thus, static budgets.

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Answer:

gloves i think

Explanation:

The common skills needed by lawyers are active listening, speaking, critical thinking and reading comprehension.

The skills can be noted as -

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Answer:

Many companies are now rethinking or abandoning concepts of organization structure as when the companies grow and mature, they are forced to think and rethink organizational design several times over because their current structure may not be adequate over time.

Examples: Zappos’ and Buffer

Explanation:

In companies most structures result from evolution and not from careful planning, over time several symptoms begin to reveal that the current structure is no longer adequate, which causes the need to rethink the structures

some symptoms include:

Lack of time for analysing strategic issues due to pressure

Poorly defined product offering and/or customer services

Failure in the coordination between sectors/divisions

A basic concept in economics is that all resources are scarce. Thus, option a. is the correct answer.

Explain about the basic concept about the economics.

Every person's life includes doing economics on a regular basis in addition to studying it. It serves as a means of balancing the inputs and outputs of money. Whatever it is, one should prepare before the month or count at the end of the month or year, whether it is a small family, a large family, a small commercial enterprise, or a giant organisation. Economics seeks to strike a balance between the unending demands and the finite resources.

After saying this, we'll start talking about the topic of "economics." The pupils who are just beginning their studies in commerce in class XI will find this subject extremely interesting. In essence

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Answer:

Option A  scarce

Explanation:

Answer:

its C) OSHA

Explanation:

sorry someone was being annoying as heck and buting in

Answer:

C) OSHA

Explanation: MARK BRAINLIEST PLZZZZZZZZZZZZZZZZzzzzzzzzzzzz

"Refuse, recyclables, and returnables shall be removed from the premises at a frequency that will minimize the development of objectionable odors and other conditions that attract or harbor insects and rodents."

A deposit that has to be maintained in the bank for 1 year in exchange of a 2% interest  is a certificate of deposit (CD).

In exchange for holding a specific amount of money for a specific length of time, such as six months, a year, or five years, a certificate of deposit (CD) is a savings account that earns interest from the issuing bank.

A certificate of deposit (CD) is a savings instrument that yields interest on a one-time payment for a predetermined amount of time. In contrast to savings accounts, CDs require that the money remain untouched for the duration of the term in order to avoid penalty fees and lost interest.

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Answer:

ummmmmm I'm not quite sure

In business process management (BPM), an as-is model documents the existing business process.

In business process management (BPM), an as-is model documents the existing business process.

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Dependence training is mostly associated with a command economy. A command economy is an economic system where the government has control over the production and distribution of goods and services.

In a command economy, the government directs economic activity with the aim of achieving certain social and economic goals. This system of economic organization is often associated with the centralization of economic planning and decision-making, and is often used as a tool for economic development. In a command economy, the government decides what goods and services will be produced, how they will be produced, and the prices at which they will be sold.

Dependence training is an important part of a command economy because it allows the government to control the allocation of resources by ensuring that the necessary skills and knowledge are available to produce the desired goods and services. This helps to ensure that the economy is able to meet its goals and objectives.

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Pre-provision net revenue is defined as net revenue before taxes and credit expense/release benefit. If a bank has $200,000 in pre-provision net revenue for the quarter and takes a provision expense of $50,000 and has no taxes, what is the net revenue for the quarter?

The net revenue for the quarter can be determined using the following formula: Net Revenue = Pre-Provision Net Revenue – Provision Expense Net Revenue = $200,000 – $50,000Net Revenue = $150,000Therefore, the net revenue for the quarter is $150,000.

It's worth noting that the provision expense is an allowance for potential credit losses and can be adjusted as necessary. The net revenue is used to determine a bank's profitability, and it includes revenue generated from all sources, such as interest and non-interest income, minus expenses. As a result, it's a crucial measure for investors, analysts, and regulators who track a bank's financial performance.

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The Foreign Corrupt Practices Act (FCPA) makes it illegal for US residents to pay high-ranking foreign officials in order to gain new business. A violation can carry a criminal sentence of up to five years in jail. A violation is a felony since it carries a sentence of more than a year in jail.

The traditional definition of a crime is a felony, however a misdemeanour is seen as a less serious criminal. Under English common law, a crime was referred to as a "felony" (from the French term "félonie") if it resulted in the confiscation of a defendant's property and the potential of additional punishments, including the death penalty. Minor crimes were referred to as misdemeanours. According to all federal and state laws, a crime in the United States is often categorised as a violation, a misdemeanour, or a felony depending on how serious it is. A felony is a serious offence that carries a penalty of more than one year in jail.

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Complete Question:

The Foreign Corrupt Practices Act (FCPA) makes it illegal for US citizens to bribe high ranking foreign officials to get new business. A violation can have a criminal penalty that involves up to five years in prison. The fact that one could be punished by over a year in prison makes a violation: