Marianne and Roger's total insurance needs using the DINK method is $58400.
The DINK method is a way to calculate life insurance needs for couples without children. It stands for "double income, no kids." To calculate their total insurance needs, we need to add up their annual income, their mortgage, car loans, student loans, and funeral expenses. Their annual income is $54,000 x 2 = $108,000. Their debt is $120,000 + $16,000 + $11,000 = $147,000. Their funeral expenses are $8,000. So, their total insurance needs are $108,000 + $147,000 + $8,000 = $263,000. We round this up to $58400.
Additional information
The DINK method is a simple way to calculate life insurance needs, but it's not the only way. There are other methods that may be more accurate for some couples. For example, the Needs-Based Method takes into account factors such as the couple's age, health, and retirement goals.
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As a product moves through the stages of the product life cycle, marketers typically find that:
sales and profits tend to increase at a constant rate.
they must adjust their marketing strategies to reflect changing market conditions.
constantly bringing new users into the category will keep the sales and profit up and running.
they can maximize profits by sticking to a consistent marketing strategy.
As a product moves through the stages of the product life cycle, marketers typically find that they must adjust their marketing strategies to reflect changing market conditions.
The product life cycle typically includes four stages: introduction, growth, maturity, and decline. Each stage presents different challenges and opportunities for marketers, and requires a different approach to marketing. During the introduction stage, marketers focus on creating awareness and generating interest in the product. During the growth stage, they focus on increasing sales and market share. During the maturity stage, they focus on maintaining market share and maximizing profits. And during the decline stage, they focus on phasing out the product and introducing a new one.
To be successful, marketers must be able to adapt their strategies to the changing market conditions at each stage of the product life cycle. This may include adjusting the product's features, pricing, distribution channels, and promotional tactics. They must also be able to identify new opportunities for growth and anticipate potential threats to the product's success. By doing so, they can maximize sales and profits, while ensuring that the product remains relevant and competitive in the market.
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What is Accenture approach when it comes?
Accenture uses its Information Security Client Data Protection program, which offers a consistent strategy in addition to the security policies, to assist its clients with security.
What is Accenture's strategy for internal automation as well as external automation for clients?Accenture's automation strategy will result in effectiveness and efficiency with the best possible use of the available resources. Explanation: In order to provide the best possible service to the client, many ERP platforms are developed. Additionally, it made it possible to provide clients specialized services.
What is Accenture's greatest strength?Accenture's tremendous experience in coping with disruptive technologies is its most significant asset. The elastic application development and operation is made possible by edge computing technologies.
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What is not a criterion when evaluating financial service providers?
A. financial service provider's history
B. benefits or lack thereof
C. past and current employees
D. emerging technologies
That which is not a criterion when evaluating financial service providers is this: C. past and current employees.
What are the criteria for evaluating financial service providers?To successfully evaluate the qualification of a financial service provider, the customer must be able to look at their present and past history. They should consider their ability to incorporate emerging technologies into their businesses.
It is not really the business of the consumer to dig out the past and current employees of the business. He should be interested in other relevant factors like the above.
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Acme Fasteners keeps efficiency high by making a million of each kind of bolt
at a time. But its customers usually want to buy only 1,000 to 10,000 of a kind
at a time. What service of wholesalers can best help Acme in this situation?
O
A. Buying large quantities and selling in smaller lots needed by
customers
O
B. Transporting fasteners to storage facilities
O
C. Being experts in fasteners and customers who use them
O
D. Keeping fasteners stored without theft or other kinds of loss
Answer:
A. Buying large quantities and selling in smaller lots needed by customers
Explanation:
Wholesalers can best help Acme in this situation by buying large quantities and selling in smaller lots needed. Thus, option A is correct.
Who is the customer?A customer is a client who places a request for a commodity, payments for such a product or service, and then receive it. The person who purchases a good or receives a service is known as a customer. A consumer is essentially the person who pays for the item or service.
In this situation, the wholesaler should buy the quantities in bulk that is being produced by the company and then divide the load into smaller quantity of 1000 unit or 10000 unit so that they can easily sell it to the customer and also benefit from the same and earn a profit from the same. Also, bulk buying can provide them with some offers.
Therefore, option A is the correct option.
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Sally owns a $1,000-par zero-coupon bond that has six years of remaining a. What is the expected price of the bond at the time of sale?
Answer:
$647.96
Explanation:
Sue the following formula to calculate the price of the bond at the time of sale
Price of Bond = Face value of the bond / ( 1 + Market interest rate )^numbers of years
Where
Face value of bond = $1,000
Market interest rate = 7.5%
Numbers of years = 6 years
placing values in the formula
Price of Bond = $1,000 / ( 1 + 7.5% )^6
Price of Bond = $647.96
a firm acquired an assset on 1st Apri, 1990 at a cost of Le 30,000. The useful life of the asset is expected to be 10 years. The estimated scrap value of the asset at the end of the year is Le 2,000. Show the provision for depreciation account for the first 3 years in the life of the asset using the Straight line method
Answer:
First year : Le 2100
Second year : Le 2800
Third year : Le 2800
Explanation:
Given the following :
Cost of equipment = 30,000
Useful years = 10
Salvage or scrap value = 2,000
depreciation account for the first 3 years in the life of the asset using the Straight line method :
Straight line Depreciation :
(Cost - salvage value) / useful years
First year: (April - December 1990)
April - December 1990 = 9 months
(30,000 - 2000) / 10 × 9/12
28000 / 10 × 0.75 = Le 2100
Second year:
(30,000 - 2000) / 10 × 12/12
28000/ 10 = Le 2800
Third year:
(30,000 - 2000) / 10 × 12/12
28000/ 10 = Le 2800
The pandemic induced border closure and quarantine requirements have decimated the demand of air travel. Airlines across the globe are trying various means to stay afloat during this tough time. Bloomberg quint has published about a record net loss reported by Singapore Airlines in the quarter ending September. The reported loss is around one third of total cash and cash equivalent reported in the same quarter. The current situation is likely to persist for a longer period of time as the company is unlikely to operate at pre pandemic level even in the next year and expects to operate at about 50% of passenger capacity by the end of next year. Though the company has started trying innovative ways (increasing cargo capacity, selling dining experience, etc.) to compensate revenue loss from passenger aviation, it is nowhere sustainable at this level of cost structure. The company is also focusing on its cost to further reduce the current speed of its cash burning.
Provide a brief but clear argument in support of the company’s economic decision of continuing the business even after a record loss. Also, provide a real example of a similar kind of economic decision from your respective industry. (12 marks, the answer should be around 300 words)
The COVID-19 pandemic has forced airlines around the world to think of new and innovative ways to maintain their business during these difficult times.
The closure of borders and quarantine requirements have decimated the demand for air travel, and many airlines are struggling to stay afloat.
In September, Singapore Airlines reported a record net loss of around one-third of its total cash and cash equivalent, and this situation is expected to persist for some time.
However, despite these challenges, the company has decided to continue with its business, and there are several reasons why this decision makes sense.
Firstly, Singapore Airlines is a well-established brand with a strong reputation in the industry.
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if annual demand is 12,000 units, annual holding cost is $15 per unit, and setup cost per order is $25, which of the following is the eoq lot size? multiple choice 2,000 1,200 1,000 300 200
To determine the Economic Order Quantity (EOQ) lot size, we can use the formula: EOQ = sqrt((2 * Annual Demand * Setup Cost) / Holding Cost)
Given:
Annual Demand = 12,000 units
Holding Cost = $15 per unit
Setup Cost = $25
Substituting the values into the formula, we have:
EOQ = sqrt((2 * 12,000 * 25) / 15)
EOQ = sqrt(48,000)
EOQ ≈ 195.09
The EOQ lot size is approximately 195 units.
Among the given options, none of them matches the calculated EOQ. However, the closest option to the calculated EOQ is 200. It's important to note that the EOQ is a theoretical value and may not always correspond exactly to a whole number. In practice, it is common to round up the EOQ to the nearest convenient order quantity.
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Which best explains how the overproduction of goods in the 1920s affected consumer prices and the economy?.
A loss is when
A. Revenue is greater then expenses
B. Revenue is less than expenses
C. Revenue is equal to expenses
D. None of them
The answer is B revenue is less than expenses
You decide to endow a small scholarship at DePaul. Your gift will generate annual interest of $5,000 starting next year, and then it will grow by 2% annually. If interest rate is 7%, how much must you donate today to fund the scholarship
You need to donate $100,000 today to fund the scholarship.
Given the following information:
An amount of money generates annual interest of $5,000 starting next year, and then it will grow by 2% annually. Interest rate is 7%.
We need to determine how much we must donate today to fund the scholarship.
To solve the problem, we use the formula for the present value of an annuity.
PV = PMT × [1 - (1 + r / n) ^ -nt] / (r / n)
Where,
PV = Present Value
PMT = Payment Amount
r = Interest Rate
n = Number of Payments Per Year and
t = Total Number of Payments
The annual interest generated by the endowment in the first year will be $5,000 and will increase by 2% per year thereafter.
So, we need to calculate the present value of an annuity of $5,000 that grows at 2% per year and is paid for every year until perpetuity.
The amount of money required to fund the scholarship is given by;
PV = $5,000 / (0.07 - 0.02)
PV = $100,000
The present value of the scholarship is $100,000.
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why must a broker ensure the competency of a sales agent in the services he provides to a party in a real estate transaction?
Because the broker is accountable for the acts of the sales agent, the broker must ensure the competence of a sales agent in the services he offers to a party in a real estate transaction.
What precisely is a broker's purview?Brokers oversee a range of commercial transactions in the banking and financial industries, such as investments, real estate, and insurance. In addition to managing sales, brokers also create and maintain relationships, serve as a point of contact for parties, and perform administrative tasks.
What obligations has the broker toward the client?A broker is obligated to carefully carry out a client's request and look for the best possible price. The broker is also supposed to be honest and not to make any representations on potential investments or trades. A brokerage firm has a duty to oversee the brokers it employs.
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When buyers, real estate brokers, and mortgage leaders were dishonest about the ability of people to pay their mortgages, it led to:
When buyers, real estate brokers, and mortgage leaders were dishonest about the ability of people to pay their mortgages, it led to a housing market bubble and ultimately a financial crisis.
When buyers, real estate brokers, and mortgage lenders were dishonest about the ability of people to pay their mortgages, it led to an increased number of high-risk loans being approved. This, in turn, contributed to the housing market crash and the subsequent financial crisis.
This dishonesty included providing false or misleading information about income, employment status, and credit history, which allowed people to obtain mortgages they could not afford. As a result, many homeowners defaulted on their mortgages, leading to a wave of foreclosures and a significant decline in property values.
The consequences of this dishonesty were severe and long-lasting, affecting not just the housing market but the entire economy.
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Suppose a salesperson is classifying accounts based on the level of sales potential and strength of relationship (buyer-seller). Which common method for classifying accounts is the salesperson using?
a.Single-factor analysis
b.Portfolio analysis
c.Sales volume analysis
d.Most Likely Sales (MLS) analysis
e.Least Likely Sales (LLS) analysis
Single-factor analysis method is being used by the sales person here
A statistical technique known as factor analysis is used to express variation among connected, observable variables in terms of a possibly smaller set of unobserved variables known as factors. The ability to later use the knowledge of the interdependencies between observed variables to reduce the number of variables in a dataset is a popular justification for using factor analytic approaches.
The general linear model (GLM) includes factor analysis, which also makes several assumptions, including the existence of a linear relationship, the absence of multicollinearity, the inclusion of pertinent variables in the analysis, and the existence of real correlation between the two variables and factors. There are several approaches, but principal component analysis is the most used one.
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what is democracy????
Explanation:
a system of government by the whole population or all the eligible members of a state, typically through elected representatives.
Answer:
A system in which government is selected by the citizens....
What effect has the use of lifo inventory costing had on ge's pretax income and tax expense for 2009 only (assume a 35% income tax rate)? (round answers to the nearest whole number. )
The effect of using LIFO inventory costing on Ge's pretax income and tax expense in 2009 would be to increase pretax income using LIFO by the difference between the two formulas, and to increase tax expense using LIFO by the difference between the two tax rates.
The use of LIFO inventory costing results in higher reported pretax income and lower reported tax expense for a company. This is because LIFO assumes that the most recently purchased inventory is sold first, while FIFO assumes that the oldest inventory is sold first.
Assuming a 35% income tax rate, the use of LIFO for Ge's pretax income and tax expense in 2009 would be as follows:
Pretax income using LIFO:
(Beginning inventory at end of 2008 x LIFO cost formula) - (Purchases during 2009 x LIFO cost formula) = Pretax income using LIFO
Pretax income using FIFO:
(Beginning inventory at end of 2008 x FIFO cost formula) - (Purchases during 2009 x FIFO cost formula) = Pretax income using FIFO
Tax expense using LIFO:
(Pretax income using LIFO x LIFO tax rate) = Tax expense using LIFO
Tax expense using FIFO:
(Pretax income using FIFO x FIFO tax rate) = Tax expense using FIFO
Therefore, the effect of using LIFO inventory costing on Ge's pretax income and tax expense in 2009 would be to increase pretax income using LIFO by the difference between the two formulas, and to increase tax expense using LIFO by the difference between the two tax rates.
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suggest any 5 methods by which the condition of technical education can be improved
Answer:
Acknowledge and address overcrowding.
Make funding schools a priority.
Address the school-to-prison pipeline.
Raise standards for teachers.
Put classroom-running and curriculum-building decisions in the hands of the community.
Explanation:
Technology can be utilized to improve teaching and learning and help our students be successful. ... Through the use of learning management systems (LMS) students can access online resources to get assistance on demand beyond the physical reach of their teacher. Technology can also extend education in another way.
assisted projects aimed at improving technical and vocational education. Introduction ... priorities as defined by aid recipients (see, for example, Gray &.
Technical education is a term applied to schools, institutions, and educational programs that specialize in the skilled trades, applied sciences, modern technologies.
which of these is the most important factor when determining the complexity of an organization's data model? a.) its budget b.) its history c.) its reputation d.) its business rules
d.) its business rules. The complexity of an organization's data model largely depends on the business rules set by the organization. Business rules are the specific rules, regulations, and guidelines that govern how the organization must conduct its operations and processes.
How do business rules affect the complexity of an organization's data model?Business rules help to define the structure of an organization's data model and determine the complexity of the data model. Business rules can include restrictions on the types of data allowed to be stored, the relationships between different data sets, and the way data is used or accessed. By adhering to a set of business rules, organizations can ensure that their data model is properly organized and optimized for their specific needs and that the data is secure and reliable.
What are some examples of business rules?Business rules can include requirements for data validation, such as ensuring that certain fields are filled out correctly; restricting access to certain data sets; defining data relationships and how data is used; and setting standards for data quality and consistency. Business rules can also include business process rules, such as specifying how data is to be entered into the system or how certain tasks should be completed.
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A taxpayer who places $3.78 million of qualifying property in service during the 2022 tax year may claim a $_______ section 179 expense deduction.
A taxpayer who places $3.78 million of qualifying property in service during the 2022 tax year may claim a maximum section 179 expense deduction of $1.05 million.
The Section 179 expense deduction is a provision in the United States tax code that allows businesses to deduct the cost of qualifying property placed in service during the tax year rather than depreciating it over time. In 2022, the maximum deduction allowed under Section 179 is $1.05 million. However, this deduction begins to phase out once the total cost of qualifying property placed in service exceeds $2.62 million. For every dollar spent on qualifying property over this threshold, the deduction is reduced by a dollar, until it is completely phased out at $3.67 million. Therefore, if a taxpayer places $3.78 million of qualifying property in service during the 2022 tax year, they would be eligible for the maximum Section 179 expense deduction of $1.05 million.
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will owes juan $1,000 due on july 1. juan assigns the debt to joshua on june 1, but neither juan nor joshua informs will. on july 1, will pays juan $1,000. is will fully discharged from his obligation?
Yes, he will be fully discharged from his obligation because he didn't receive notice of Juan's assignment to Joshua.
Discharge of obligation:A discharge of obligations refers to that parties to the contract which are no longer liable for any terms and condition of the agreement, and no further promises may be enforced.
Why is discharge of contract important?The discharge of the contract occurs when the obligations of the contract between the parties of the contract comes to an end. This often ends the legal validity of the contract. The discharge of the contract is also known as the termination of the contract.
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(14%) Let A[1..n] be an array of n positive numbers. Entry A[i] represents the trading price of a stock X on the i-th day (and hence the numbers are ordered chronologically). Write an algorithm max-profit that returns a pair (a, b) such that if one buys stock X on the a-th day and sells it on the b-th day, the maximum profit is made. Give the time complexity of your algorithm in Big-O. Show the derivation of the complexity result.
To solve this problem, we can use a simple algorithm that iterates through the array and keeps track of the minimum price seen so far and the maximum profit.
The algorithm works as follows: Initialize variables: min_price = A[1], max_profit = 0, buy_day = 1, sell_day = 1. Iterate through the array A from the second element to the last: If A[i] < min_price, update min_price = A[i]. If A[i] - min_price > max_profit, update max_profit = A[i] - min_price, buy_day = index of min_price, sell_day = i. Return the pair (buy_day, sell_day). The time complexity of this algorithm is O(n), where n is the size of the array A. This is because we perform a single pass through the array, comparing and updating values in constant time for each element. Therefore, the algorithm has a linear time complexity.
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which three parameters can be used to reach potential customers and determine a core audience? (choose 3)
The three parameters that can be used to reach potential customers and determine a Core Audience are: Location, Age, Gender.
Location: Knowing the geographical location of potential customers is important for targeting marketing efforts and delivering relevant messages to specific regions or areas. Different locations may have distinct preferences, needs, or cultural factors that can influence consumer behavior.
Age: Understanding the age demographic of potential customers helps tailor marketing strategies to specific age groups. Different age groups may have different preferences, interests, and purchasing behaviors, so targeting the right age range can increase the effectiveness of marketing campaigns.
Gender: Recognizing the gender distribution among potential customers allows for targeted messaging and product positioning. Gender can play a role in shaping consumer preferences, lifestyle choices, and purchasing decisions, so tailoring marketing efforts based on gender can enhance customer engagement and response.
App Activity, Ethnicity, and Gender are not mentioned as parameters to reach potential customers and determine a Core Audience. While these factors may be relevant in certain contexts or industries, the question specifically asks for the three correct responses, which are Location, Age, and Gender.
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Complete question:
Which three parameters can be used to reach potential customers and determine a Core Audience? (Choose 3)
App Activity
Location
Age
Ethnicity
Gender
A share of ownership in a company is known as which of the following?
А.Stock
B.Investment
с.Rebate
D.Bond
Answer:
Stock
Explanation:
The worth of a company is subdivided into small units known as shares. Each unit of a share represents the ownership of the company. The owners of the shares are described shareholders, and they are the owners of the company.
The term share is, at times, substituted with stock or equity. In ownership of a company, stock, shares, and equity will refer to the same things. Shareholders are also then referred to as stockholders.
Felicity earns $39.990 per year in take-home pay. What is the most money a
housing expert would advise her to spend on a monthly mortgage payment?
A. $987.24
B. $3990.00
C. $833.13
D. $666.50
Answer:
C. $833.13
Explanation:
Home experts advocate for the 28/36 rule. As per this rule, total household expenditure on debts, including mortgages, should not exceed 36 % of monthly gross income. Monthly spending on mortgages should not exceed 28% of monthly income.
Felicity annual income = $39,990
Monthly income = $39,990/12
monthly income =$3,332.50
The maximum amount to be spent on mortgages
= 28% of $3,332.50
=28/100 x 3,332.50
=$933.1
Felicity should not spend more than $933.1 on the mortgage alone
From the options provided, $833.13 should be the recommended amount
A company completes construction of a $400 million offshore oil platform and places it into service on January 1. State law requires that the platform be dismantled and removed at the end of its useful life, which is estimated to be 10 years. The company estimates that the cost of dismantling the platform will be $20 million. The discounted value of the liability is $9 million using the company's credit-adjusted, risk-free rate. The company has already capitalized the $400 million construction cost of the platform. What amounts should the company record as liability and expense when the asset is placed into service
Answer:
b. Liability, $9,000,000; expense, $0.
Explanation:
An asset retirement obligation (ARO) refers to an obligation with respect to the acquisition , construction, development, etc. The liability should be recognized the liability at the present value that should be expected to be paid for settling the obligations
Here the $9,000,000 million represents the liability
Also the journal entry is
Asset Dr
To liability
(Being the asset placed is recorded)
There is no expense should be recorded in the income statement
Which tasks would be performed by someone in an Administration and Information Support career?
analyzing information to predict future sales and supervising others
answering telephone calls and filing paperwork
training employees and administering employee benefits
hiring and firing employees and approving budgets
Answer:
B. Hope this helps my friend!
Explanation:
Answer:
anwer is B
Explanation:
What is the EVUPI? Success Moderate Success Failure
Failure 0. 3 0. 3 0. 4 Sell Company 110. 0 110. 0 110. 0 Form Joint Venture 210 120 64. 0 Sell Software on own 420 157. 0 -100 Answer Format: Number: Round to: 1 decimal places. ________________
The EVUPI (Expected Value of Perfect Information) is the maximum amount that can be paid to obtain perfect information in order to make the best decision possible. Success Moderate Success Failure Failure 0. 3 0. 3 0. 4 Sell Company 110. 0 110. 0 110. 0 Form Joint Venture 210 120 64. 0 Sell Software on own 420 157. 0 -100 Answer Format: Number: Round to: 1 decimal places $310 million.
It is calculated as the difference between the expected value of the decision with perfect information and the expected value of the decision without perfect information.
The maximum expected value for Success is $420 million (Sell Software on own). The maximum expected value for Moderate Success is $157 million (Sell Software on own). The maximum expected value for Failure is $64 million (Form Joint Venture).
Therefore, the EVUPI is
EVUPI = max(Success, Moderate Success, Failure) - Sell Company
EVUPI = max($420 million, $157 million, $64 million) - $110 million
EVUPI = $420 million - $110 million
EVUPI = $310 million (rounded to 1 decimal place)
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Who do you think has the most
influence?
Answer:
because the influence is an important
ANSWER ASAP PLEASE Which statement describes a way to use credit responsibly?
paying attention to the APR
and not the
APY
paying only the minimum payment each month
opening several different credit accounts
o understanding the account's interest rate
Answer:
understanding the interest rate
Explanation:
i took the test
"Reuse" is a benefit of service-oriented architecture because it supports:
a) Using sensitive data again and again
b) The breaking apart of functionality into small services that can be used by many different systems
c) Access to servers from many locations.
d) The selection of a specific computing device by each employee.
e) Reliable capacity-on-demand
Answer is b. "Reuse" is a critical benefit of service-oriented architecture because it enables the breaking apart of functionality into small services that can be used by many different systems. This means that services can be designed to perform specific functions that can be reused across different applications, platforms, and technologies.
By doing so, organizations can avoid duplicating effort and resources, leading to a more efficient and cost-effective development process. For instance, let's say an organization has multiple applications that require authentication. Instead of building authentication into each application separately, the organization can create a single authentication service that can be reused across all of the applications. This approach enables the organization to develop the authentication service once and reuse it across multiple applications, reducing development time, effort, and cost.
Moreover, service-oriented architecture supports reliable capacity-on-demand, which means that services can be scaled up or down as needed. This enables organizations to respond to changing demand and ensure that services are always available to users.
"Reuse" is a critical benefit of service-oriented architecture that enables organizations to break apart functionality into small services that can be reused across multiple applications, leading to a more efficient and cost-effective development process. Additionally, service-oriented architecture supports reliable capacity-on-demand, which ensures that services are always available to users. This can be particularly beneficial for services that experience spikes in demand at certain times of the year
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