How impactful we’re late shipments on customer questions?

Answers

Answer 1

The late shipments have a great impact on the customer and customer questions.

What is shipment?

Shipment is the delivery of goods, the goods ordered by the customer is delivered to the customer which is known as the shipment. Late shipments are negatively impacting the business and its goodwill.

Late shipments enables a long list of customer questions which impact the business negatively. It is on a high priority that the shipment of the customer is reached on time as per the mutual consent.

Any delay in the shipment results in business losing its customer, the customer is the main source for the revenue and profits of the business who needs to be retained at any cost, it is therefore highly recommended that the customer is provided with the best quality of goods and services.

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Related Questions

How can a manager use a value chain to improve a company?

Answers

To improve a company's value chain, its value chain management team identifies each part of its production process and where improvements can be made. These improvements can either reduce costs or improve production capacity.

Chloe’s Cafe bakes croissants that it sells to local restaurants and grocery stores. The average costs to bake the croissants are $0.80 for 2,800 and $0.75 for 5,600. Required: If the total cost function for croissants is linear, what will be the average cost to bake 4,800?

Answers

What will be the average cost to bake 4,800 is $0.76

First step is to determine the total cost

Total cost at 2,800

=$0.80 ×2,800

=$2,240

Total cost at 5,600

=$0.75 × 5,600

=$4,200

Second step is to determine the Variable cost per unit

Variable cost per unit=$4,200-$2,240

Variable cost per unit=$1,960

Variable cost per unit=5,600-2,800

Variable cost per unit=2,800

Variable cost per unit=$1,960/2,800

Variable cost per unit=$0.70

Now let determine the average cost

Average cost=$0.70×4,800+[($0.80×2800)-(2,800 ×$0.70)]

Average cost=$3,360+($2,240-$1,960)

Average cost=$3,360+$280

Average cost=$3,640

Average cost =$3,640/4,800

Average cost=$0.76

Inconclusion What will be the average cost to bake 4,800 is $0.76

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Consider the following income statement: Sales $ 1,040,136 Costs 676,704 Depreciation 153,900 Taxes 22 % Calculate the EBIT.

Answers

Answer:

$209,532

Explanation:

EBIT is calculated as seen below;

EBIT = Sales - costs - depreciation

Sales. $1,040,136

Less:costs ($676,704)

Less:depreciation ($153,900)

EBIT. $209,532

The lender will charge a one-and-a-half-point origination fee and two loan discount points.
What will be the total due for points on a $115,000 loan?
A) $1,725
B) $2,300
C) $4,025
D) $575

Answers

(c) $4025 is the correct option.

Banks charge origination points in exchange for reviewing, processing, and approving your home loan application. Origination points are not standardized and can be a flat fee, a percentage of your total loan amount, or none at all. Discount and origination points are two distinct charges Loan origination takes time. Banks must create all of the paperwork associated with a home loan, in addition to pulling your credit score, reviewing your bank statements, verifying your income and savings, and determining your creditworthiness. In exchange for all of this work, they'll charge you a fee. These fees are known as "origin points.".

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1. Ryan can show Delia homes listed with XYZ Realty and other brokers in the market if:
(a) None of the homes are owned by Agent Ryan
(b) Ryan discloses to Broker Bradley that he will show homes listed by XYZ Realty
(c) Delia gives verbal consent to see homes listed by XYZ Realty
(d) Delia has given written Intermediary consent

Answers

Ryan can show Delia homes listed with XYZ Realty and other brokers in the market if:

Delia has given written Intermediary consent Delia gives verbal consent to see homes listed by XYZ Realty None of the homes are owned by Agent Ryan

When can homes be  shown in the market

Delia gives verbal consent to see homes listed by XYZ Realty: This condition highlights the significance of Delia's consent. If Delia explicitly gives verbal consent to Ryan, it signifies that she is comfortable with viewing homes listed by XYZ Realty. Delia's consent is crucial in allowing Ryan to proceed with showing homes from XYZ Realty.

(d) Delia has given written Intermediary consent: This condition specifically refers to written consent in the form of an intermediary agreement. In some cases, Delia may choose to engage Ryan as an intermediary, authorizing him to show homes listed by multiple brokers, including XYZ Realty.

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please answer asap! In one to two sentences, explain how the money for a negative tax for low-income earners could be redistributed from high-income earners.

Answers

One way that money for a negative tax for low-income earners could be redistributed from high-income earners is by increasing tax rate on high income earners.

How to fund a negative tax ?

One plausible method to address income inequality is via an increase in tax rates for high-income earners. By doing so, a larger percentage of their revenue would be allocated towards taxes which could then be utilized to finance the negative tax program.

Another potential avenue would involve imposing a wealth tax upon individuals or households based on their net worth. This type of taxation would predominately affect those with significant lifetime acquisition of assets and resources – particularly the wealthiest members of society.

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Prepare the journal entries to record the following transactions of Wildhorse Company's books under a perpetual inventory system. Clarify which are debit and which are credit.
(a) On March 2nd, Windsor Company sold $854,200 of merchandise to Wildhorse Company on account, terms 2/10, n/30. The cost of merchandise sold was $517800.
(b) On March 6th, Wildhorse Company returned $109800 of the merchandise purchased on March 2nd. The cost of the merchandise returned was $66800.
(c) On March 12th, Windsor Company received the balance due from Wildhorse Company.

Answers

a) Credit Inventory for $517,800

b) Debit Inventory for $66,800

c) Credit Accounts Receivable (or Trade Receivables) for the same amount

(a) The journal entry to record the sale of merchandise from Windsor Company to Wildhorse Company on March 2nd would be:

Debit Accounts Receivable (or Trade Receivables) for $854,200

Credit Sales Revenue for $854,200

Debit Cost of Goods Sold for $517,800

Credit Inventory for $517,800

The debit to Accounts Receivable represents the amount owed by Wildhorse Company for the merchandise purchased on account. The credit to Sales Revenue recognizes the revenue generated from the sale. The debit to Cost of Goods Sold recognizes the cost of the merchandise sold, and the credit to Inventory reduces the inventory balance as the goods are no longer in stock.

(b) The journal entry to record the return of merchandise by Wildhorse Company on March 6th would be:

Debit Sales Returns and Allowances for $109,800

Credit Accounts Receivable (or Trade Receivables) for $109,800

Debit Inventory for $66,800

Credit Cost of Goods Sold for $66,800

The debit to Sales Returns and Allowances reduces the revenue from the original sale. The credit to Accounts Receivable reduces the amount owed by Wildhorse Company for the returned merchandise. The debit to Inventory increases the inventory balance as the goods are returned to stock, and the credit to Cost of Goods Sold reduces the cost of the merchandise originally sold.

(c) The journal entry to record the payment received by Windsor Company on March 12th would be:

Debit Cash (or Bank) for the amount received from Wildhorse Company

Credit Accounts Receivable (or Trade Receivables) for the same amount

The debit to Cash represents the inflow of funds from the customer's payment. The credit to Accounts Receivable reduces the amount owed by Wildhorse Company, reflecting the settlement of the outstanding balance.

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explain the changing nature of public administration​

Answers

The nature of public administration has undergone significant changes over the years. Traditional public administration was characterized by hierarchical structures.

However, with the increasing complexity of modern society, new challenges have emerged that require a more flexible and responsive approach to public administration.

One of the key changes in public administration has been the shift towards more participatory and collaborative approaches. This has been driven by a growing recognition of the importance of engaging citizens and stakeholders in decision-making processes, and the need to build trust and legitimacy in government institutions.

Another important change has been the adoption of technology in public administration. From e-government initiatives to data-driven decision-making, technology has transformed the way that government organizations operate and interact with citizens.

At the same time, there has been a growing emphasis on performance management and accountability in public administration. This has involved the development of performance metrics, the use of benchmarking and evaluation, and a focus on outcomes rather than inputs.

Overall, the changing nature of public administration reflects the broader shifts in society towards greater complexity, interdependence, and accountability. While there are still many challenges to be addressed, the evolution of public administration offers hope for more effective and responsive governance in the years to come.

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The project sponsors have informed the project manager that they would like to be included in the weekly meetings along with the team members. What should the project manager update to include the sponsors in the weekly meetings?

Answers

When the project sponsors express their desire to be included in the weekly meetings with the team members, the project manager should update the project communication plan to reflect this change.

The communication plan should include details about who will be involved in the meetings, when they will be held, and what will be discussed. The project manager should also ensure that the sponsors have access to any necessary project documentation, such as status reports, schedules, and budget updates.

In addition, the project manager should communicate with the team members to inform them of the change and ensure that they understand the role of the sponsors in the project. It may also be beneficial for the project manager to establish guidelines or ground rules for the meetings to ensure that they are productive and efficient.

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What elements should an ideal CRR plan include?

Answers

The following components belong in a perfect CRR plan. communication lines that are clear, empathy and understanding, activity that is swift and efficient, Feedback and follow-up Continual development

A CRR report: what is it?

The Cyber Resilience Assessment (CRR) is an evaluation of an organisation s resilience or cybersecurity measures based on interviews. Your organization will get knowledge of how to handle cyber risk during both regular operations and during periods of stress levels and catastrophe through the CRR.

What is CRR's emergency response?

Your department can use what you already know to reduce hazards in your operational area with the aid of a community reducing risk (CRR) program. CRR employs a wide range of instruments to create a strategy and integrated program aimed at minimizing the occurrence and effects of local risks.

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Joe bought a stock at $57 per share. The price promptly fell to $55. Joe held on to the stock until it again reached $57, and then he sold it once he had eliminated his loss. If other investors do the same to establish a trading pattern, this would contradict _______. Multiple Choice the strong-form EMH the semistrong-form EMH technical analysis the weak-form EMH

Answers

Weak-form EMH


Explanation:
Weak form efficiency is also called The random walk theory States that past volume, Price movements and earnings do not affect the Price of a stock and cannot be used to forecast it’s future directions. Weak form efficiency States that prices of future securities Are random and not determined by past events and that there is no relationship between past information in current market prices.


The principle of weak form efficiency has been contradicted because other investors are making use of Joe’s past information to create a trading pattern.



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What two characteristics must an item possess to have monetary value?
A. scarcity and capital
C. transferability and utility
B. capital and transferability
D. utility and scarcity​

Answers

The answer is D :) ......

The two characteristics that must be possessed is transferability and utility.

We can describe "monetary value" as the property of having a material worth and this allows the transfer-ability of an assets.

The amount that is paid in cash for an asset is referred to the monetary value of such asset.

Money is one of the measure through which the monetary value on an assets is being exchange for the asset.

In conclusion, a monetary value must be transferable to other person and must be able to be used to carry out transaction at any time..

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Think of a specific insight or idea from a field other than business and discuss how this idea or insight could help you as an entrepreneur

Answers

Explanation:

https://www.entrepreneur.com › ...

Web results

How to Research Your Business Idea - Entrepreneur.com

Your plan calls for using apprentice plumbers in place of fully licensed plumbers for some jobs. If the apprentice plumbers are 60% as productive as licensed plumbers and licensed plumbers cost $60 per hour, what is the most you should pay for apprentice plumbers?

Answers

Answer:

36

Explanation:

Consider the following data representing the price of laptop computers (in dollars).

1365, 1240, 1371, 1052, 1238, 1293, 1043, 1393, 1416, 1035, 1092, 1428, 1288, 1175, 1098, 1083, 1313, 1300, 1060, 1120, 1116

Determine the class width of the classes listed in the frequency table.

Answers

Answer:

The class width is calculated by subtracting the lowest value from the highest value in the given data set. In this case, the lowest value is 1035 and the highest value is 1428, so the class width is 1428 - 1035 = 393.

Explanation:

A flexible-budget variance is $800 favorable for unit-related costs. This indicates that costs were: _____________

a. $800 more than the master budget
b. $800 less than for the planned level of activity
c. $800 more than standard for the achieved level of activity
d. $800 less than standard for the achieved level of activity

Answers

Answer: $800 less than standard for the achieved level of activity

Explanation:

A flexible budget variance refers to the difference that occurs between the results that are gotten by a flexible budget model and the actual results gotten.

Since the flexible-budget variance is $800 favorable for unit-related costs, this indicates that costs were $800 less than standard for the achieved level of activity.

Therefore, the correct option is D.

Derek is a gymnast, and his favorite event is the rings. To score well, he is required to hold a position for several seconds before continuing into the next move. In his favorite move, he performs shoulder abduction to form a T and then holds it without moving. While Derek is holding this position, what type of contraction is his deltoid performing?
A. An eccentric contraction
B. A concentric contraction
C. A static contraction
D. A dynamic contraction

Answers

i think the answer is C

Answer:

C. A static contraction

Explanation:

I just got it right on the test.

When shares of stock held as an investment are sold, the difference between the proceeds and the balance of the investment account is recorded as
a(n)
Oa. operating income and losses
Ob. paid-in capital addition
Oc. prior period adjustment
Od. gain or loss
?

Answers

When shares of stock held as an investment are sold, the difference between the proceeds and the balance of the investment account is recorded as gain or loss.

April's credit card has a balance of $483.42, but the amount that she needs to pay to bring the
card to a $0 balance is $726.18 because she missed a payment. What is April's interest rate?

Answers

The interest rate for April is 50.29%.

What is Interest ?

In the fields of finance and economics, interest is the payment of a sum over and above the principal amount to a lender or depositor by a borrower or deposit-taking financial institution at a set rate.

It is not the same as a fee that the borrower might pay to the lender or another entity.

Given that April's credit card debt is $483.42 but that he needs to make a payment of $726.18, the interest rate for non-payment that he is subject to is as follows:

483.42 = 100

726.18 = X

((726.18 x 100) / 483.42) = X

= X

Consequently,

since 150.29 = 150.29 - 100 = 50.29 %

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Pepper Department store allocates its service department expenses to its various operating (sales) departments. The following data is available for its service departments:


Expense Basis for allocation Amount
Rent Square feet of floor space $ 30,000
Advertising Amount of dollar sales 36,000
Administrative Number of employees 51,000

The following information is available for its three operating (sales) departments:


Department Square Feet Dollar Sales Number of employees
A 3,200 $ 236,000 5
B 4,800 $ 354,000 7
C 8,000 $ 590,000 8
Totals 16,000 $ 1,180,000 20

What is the total expense allocated to Department B?

Answers

To allocate the expenses to Department B, we first need to determine the allocation rates for each of the service departments:

- Rent: $30,000 / 16,000 sq ft = $1.875 per sq ft
- Advertising: $36,000 / $1,180,000 = 0.03 per dollar of sales
- Administrative: $51,000 / 20 employees = $2,550 per employee

Using these allocation rates, we can allocate the expenses to each department:

- Department A: (3,200 sq ft x $1.875/sq ft) + ($236,000 x 0.03) + (5 employees x $2,550/employee) = $6,000 + $7,080 + $12,750 = $25,830
- Department B: (4,800 sq ft x $1.875/sq ft) + ($354,000 x 0.03) + (7 employees x $2,550/employee) = $9,000 + $10,620 + $17,850 = $37,470
- Department C: (8,000 sq ft x $1.875/sq ft) + ($590,000 x 0.03) + (8 employees x $2,550/employee) = $15,000 + $17,700 + $20,400 = $53,100

Therefore, the total expense allocated to Department B is $37,470.

Securing a spreadsheet is most important for an accountant because.
OA. it creates the right type of formatting
OB. it allows them to be altered later on
Oc. it protects the client's information
OD. it assists in forecasting

Answers

Answer:

The most important reason for an accountant to secure a spreadsheet is option C: it protects the client's information.

Accountants often deal with sensitive financial information about their clients, including personal and financial data that should be kept confidential. If a spreadsheet containing this information is not secured properly, it could be accessed or manipulated by unauthorized individuals, leading to serious consequences such as identity theft, fraud, or data breaches. Therefore, securing a spreadsheet is crucial for protecting the privacy and security of a client's information.

Option A (creating the right type of formatting) and Option D (assisting in forecasting) are not directly related to the need to secure a spreadsheet, although they may be important aspects of spreadsheet design and use. Option B (allowing them to be altered later on) is actually the opposite of what securing a spreadsheet aims to achieve, which is to prevent unauthorized changes to the data.

The second issue you chose to address with Kenisha is the complexity of the product. The marketing department conducted numerous focus groups to gauge their reaction to the prototype, and the feedback from these focus groups revealed that customers perceived the product to be too complicated and not sufficiently user-friendly. Which of the following statements would be the best explanation for the rejection based on the focus groups' feedback that the product was too complex?

a. The good news is that you've put a lot of great features in the Radio-DRM. The bad news is that focus group customers thought that it was about as complicated as programming the Starship Enterprise. They don't want to spend hours adjusting dials and knobs; all they want to do is plug it in and set a few controls.
b. The customers in the focus groups thought this product is just too complicated! You're building a cruise ship when a simple rowboat will do. You and your team need to stop over- engineering.
c. The marketing department conducted several focus groups for this prototype, and it looks like there are some problems with its complexity. You need to fix these problems as soon as possible.
d. As you know, the marketing department conducted several focus groups for the prototype. Although there were features customers liked, much of the feedback from customers was that the Radio-DRM needs to be made simpler and more user-friendly.

Answers

Answer:

ushdusbs

Explanation:

espero te si ha bro zorry

After you are done taking notes from a speaker, you should _____.
a.
Let them know your opinion
b.
Put your notes away quickly
c.
Type up your notes for everyone
d.
Review your notes and clarify


Please select the best answer from the choices provided

Answers

Answer:

d. review your notes and clarify

Explanation:

it's 'D' because to clarify again if your notes are right or wrong.

If a firm is a factor price taker in the labor market,a) it will continue to hire workers as long as MFC > MRP. b) it must pay higher wages in order to hire additional workers. c) it must hire all workers who apply for a job. d) it can hire all the workers it wants to at the going wage rate.

Answers

Answer:

d) it can hire all the workers it wants to at the going wage rate.

Explanation:

The price taker means the company or an individual is ready to accept the prices that are prevailed in the market

In the case when a firm is a price taker in the labor market also it cannot set the prices as expected. The attached diagram represent the flat supply curve. It hire the workers depend upon the MPR and the factor supply curves

Therefore in the given situation, the last option is correct

If a firm is a factor price taker in the labor market,a) it will continue to hire workers as long as

Which of the following would cause the supply of fast food to increase?


Reduction in the cost of beef

The closing of McDonalds Corp.

Increase in the minimum wage rate

An excise tax of each meal produced

Answers

Answer:

Reduction in the cost of beef

Karl Schwartz had total travel expenses of $643. His transportation cost $290, lodging cost $198, and additional costs were $80. If dinner cost twice as much as lunch, how much was his lunch?

A
$10

B
$20

C
$25

D
$50

Answers

Karl Schwartz's lunch cost $25

Karl Schwartz total travel expenses comprises of transportation cost, lodging cost, dinner cost, lunch and additional cost.

In order to determine the cost of lunch, the first step is to determine the total cost of dinner and lunch.

Cost of lunch and dinner = total travelling expenses - sum of costs

$643 - ($290 + $198 +$80)

$643 - $568

Cost of lunch and dinner = $75

Let x represent the cost of lunch

cost of dinner = 2x

2x +x = 75

3x = 75

x = $25

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Which of the following will NOT increase potential real GDP over the long run?


Improvements in technology.


Increases in population.


Increased legal institution.


An increase in demand.

Answers

Increases in population

What will produce more accurate results when giving a survey?
A. Using the word "frequently" in a question
B. Creating face-to-face interviews
C. Adding boxes to check for answers
D. Creating an open questions

Answers

Answer:

Option B; Creating face-to-face interviews

Explanation:

Research has shown that face-to-face interviews tend to produce more accurate results when giving a survey. So the correct answer is option B.

This was not a necessarily an economically efficient move. The fact that it is scrap wood implies that it is not useful for the company's purposes, i.e., making furniture. It is presumptuous to associate a value of $150,000 or $29,000 to the scrap since there is no market for it and thus no market value can be assigned. There is no rational way to calculate the optimal amount of scrap wood. The manager did not go far enough. The most economically efficient outcome would be to reduce scrap altogether. Even at the reduced amount, the company is literally throwing away $29,000 per year when it could recoup that amount with greater diligence.

Answers

The manager's decision to reduce scrap wood is not economically efficient, and a more optimal outcome would be to aim for its complete elimination.

The manager's decision to reduce scrap wood, as mentioned in the provided excerpt, is deemed not economically efficient. While it is commendable, the most economically efficient outcome would involve completely minimizing scrap production. The fact that the wood is considered scrap implies its lack of usefulness for furniture manufacturing, making it inappropriate to assign a value of $150,000 or $29,000 to it since there is no existing market or ascertainable market value. Additionally, determining the optimal amount of scrap wood to maintain lacks a rational basis. Despite the manager's efforts, the company still wastes $29,000 annually, which could be salvaged through greater diligence. Thus, the recommended course of action is to aim for a total reduction in scrap production to achieve the utmost economic efficiency.

In conclusion, while the manager's effort to reduce scrap wood is commendable, the most economically efficient outcome would be to strive for the complete elimination of scrap, minimizing waste and maximizing cost savings for the company.

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what is brain drain?​

Answers

Answer:

its someone who is really smart or very intelligent

Explanation:

Other Questions
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If she puts 6 roses in each of 7 vases, how many roses does she have left over? : * A) 2 B) 1 C) 6 D) 7 12. What is the greatest common factor and least common multiple, respectively, of 124 , 64, and 48?: A) 4 and 5,952 B) 2 and 2,976 C) 24 and 124 D) 32 and 3,809 Describe the bank capital requirements, leverage ratiorequirement and liquidity requirements under Basel III. What arethe objectives of these requirements? Discuss the social benefitsof bank capita tb mc qu. 5-78 (algo) thane company is interested in establishing the... thane company is interested in establishing the relationship between electricity costs and machine hours. data have been collected and a regression analysis prepared using excel. the monthly data and the regression output follow: month machine hours electricity costs january 2,100 $ 19,000 february 2,500 $ 22,200 march 1,500 $ 14,100 april 2,700 $ 24,200 may 3,400 $ 28,850 june 2,900 $ 23,200 july 3,700 $ 25,350 august 3,100 $ 23,350 september 1,600 $ 16,700 october 3,300 $ 27,200 november 4,300 $ 32,200 december 3,800 $ 28,350 summary output regression statistics multiple r 0.959 r square 0.919 adjusted r2 0.911 standard error 1,558.51 observations 12.00 coefficients standard error t stat p-value lower 95% upper 95% intercept 6,967.32 1,631.91 4.27 0.00 3,331.20 10,603.44 machine hours 5.76 0.54 10.68 0.00 4.56 6.96 based on the results of the regression analysis, the estimate of electricity costs in a month with 1,800 machine hours would be: (rounded to the nearest whole dollar) Which property allows solid ice to float in liquid water?Choose 1 answer:High boiling pointAdhesionDensityHigh specific heatStu2 ateh viderushint HELP NOW PLS!!!answer choices20 m314m320m214m2 Which two sentences contribute to the overall eerie mood of the adapted excerpt from The Fall of the House of Usher by Edgar Allen Poe Kyandre needs to create a new rsum and is going to use a rsum builder to make it easier. He wants to be sure to include his work experience.In what order should he enter his work experience? Alphabetical Most recent to first job First job to most recent Highest pay PLEASE HELP!!!AOC~BOD. Identify the coordinates of D and the scale factor.A.) D (0, 7 1/12); 2/5B.) D (0, 1 1/5); 5/2C.) D (0, 7 1/2); 5/2D.) D (0, 1 1/5); 2/5 What is an equation of the line that passes through the point (1,6) and isperpendicular to the line x + 3y = 272 1. Convert 76.6 kg/cm to g/m. A) 7.66 x 108 g/m B) 7.66 x 10 g/m C) 7.66 x 1010 g/m D) 7.66 x 1011 g/m E) None of the above The Unemployment program in the United States as compared to those of some European countries can be criticized because?1.It is expensive because in the U.S. workers can collect even if they quit their jobs or leave voluntarily.2.the U.S. program has a greater moral hazard effect than in the European countries.3.the U.S. program gives workers greater motivation to choose leisure over work.4It is very expensive due to the longer periods over which benefits are typically paid in the U.S.5.significant consumption-smoothing benefits are lost because of the relatively short duration of the payment period in the U.S. What is the Golgi's function pls help Read the excerpt from "Raymond's Run" "But now, if anybody has anything to say to Raymond, anything to say about his big head, they have to come by me. And I don't play the dozens or believe in standing around with somebody in my face doing a lot of talking. I much rather just knock you down and take my chances even if I am a little girl with skinny arms and a squeaky voice. How can readers tell the author is using indirect characterization in this excerpt? (1 point) She describes Raymond's physical traits to tell readers about his character. She uses Squeaky's thoughts and words to tell readers about her character. She describes Squeaky's physical traits to tell readers about her character. She uses Raymond's thoughts and words to tell readers about his character. an individual is considering leasing a new automobile. which quantitative method is used to calculate the monthly payment? a rule of 72 b time value of money c net present value d internal rate of return