Moral hazard arises from
A.
savers' difficulties in monitoring borrowers.
This is the correct answer.B.
the difficulty of distinguishing good−risk borrowers from bad−risk borrowers.
C.
borrowers' difficulties in locating savers.
D.
the likelihood that bad−risk borrowers are more likely to accept a loan than are good−risk borrowers.
Answers
Due to savers' inability to closely watch borrowers, moral hazard develops. When the borrower is aware that someone else will cover the cost of his error, it happens. Hence (a) is the correct option.
Consequently, he is motivated to take more daring actions as a result. Moral hazard is the term for this economic idea. Moral hazard refers to the possibility that one of the parties to a transaction did not do so in good faith or that they gave false information regarding their resources, liabilities, or creditworthiness.The moral hazard issue occurs when one side in a trade or transaction feels more at ease taking risks, whether they are financial or physical, since they are aware that they will not be held accountable for any unfavourable outcomes, but rather the party not taking the risks.
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Moral hazard arises from
A.savers' difficulties in monitoring borrowers.
B.the difficulty of distinguishing good−risk borrowers from bad−risk borrowers.
C.borrowers' difficulties in locating savers.
D.the likelihood that bad−risk borrowers are more likely to accept a loan than are good−risk borrowers.
Related Questions
1.XYZ company had a total profit of $500,000. XYZ's expenses were $200,000. What is the net profit for XYZ company?
Answers
Answer:
$300,000
Explanation:
The ______ environment is composed of segments external to an industry that are usually beyond a firm's control, such as demographics and economic factors, that can affect a firm's strategy.
Answers
Answer:
general
Explanation:
write a value-returning function, isvowel, that returns the value true if a given character is a vowel and otherwise returns false.for the input e, your output should look like the following:
Answers
To write a value-returning function is vowel that returns true if a given character is a vowel and false if it is not, we can use the following code in Python:
```
def isvowel(char):
vowels = "aeiouAEIOU"
if char in vowels:
return True
else:
return False
```
In this code, we define a function called isvowel that takes a single parameter, char, which represents the character we want to check for being a vowel. We then define a string called vowels that contains all the vowels in both uppercase and lowercase letters.
We then use an if statement to check if the given character is in the vowels string. If it is, we return True, indicating that the character is a vowel. If it is not, we return False, indicating that the character is not a vowel.
Finally, we can call the function and pass in a character to test if it is a vowel or not. For example, if we pass in the character "e", the function will return True since "e" is a vowel.
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Required information
[The following information applies to the questions displayed below.]
On December 1, Jasmin Ernst organized Ernst Consulting. On December 3, the owner contributed $83,390 in assets to launch the business. On December 31, the company’s records show the following items and amounts.
Cash $ 13,210 Cash withdrawals by owner $ 1,460
Accounts receivable 13,320 Consulting revenue 13,320
Office supplies 2,720 Rent expense 2,950
Land 45,910 Salaries expense 6,290
Office equipment 17,350 Telephone expense 830
Accounts payable 7,970 Miscellaneous expenses 640
Owner investments 83,390
Using the above information prepare a December income statement for the business.
Answers
Based on the information given the December statement of cash flows for Ernst Consulting is $2,610.
Income statement:ERNST CONSULTING Income Statement For Month Ended October 31
REVENUES
Consulting fees earned $13,320
Total revenues $13,320
EXPENSES
Rent expense $2,950
Salaries expense $6,290
Telephone expense $830
Miscellaneous expenses $640
Total expenses $10,710
($2,950+$6,290+$830+$640)
Net income $2,610
($13,320-$10,710)
Inconclusion the December statement of cash flows for Ernst Consulting is $2,610.
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4. The three general categories of responsibilities of the financial manager are (1 point)
O cash-flow management, financial control, and financial planning.
O financial planning, accounting, and government tax reporting.
O government tax reporting, cash-flow management, and financial control.
O accounting, cash-flow management, and government tax reporting.
Answers
Answer:
A
Explanation:
A: Cash-flow management, financial control, and financial planning. Hopefully this helped
The three general categories of responsibilities of the financial manager are cash-flow management, financial control, and financial planning. Therefore option A is correct.
What is cash-flow management?The act of tracking, evaluating, and maximizing the difference between cash receipts and cash outlays can be summed up as cash flow management for businesses. For any organization, net cash flow is a crucial indicator of financial health.
Poor cash flow management is one of the main causes of business failure. You have a cash flow issue if your business consistently spends more money than it brings in.
Developers frequently have cash flow issues in the extremely cyclical real estate development industry. Both the initial capital expenditure and continuous operational cash outflows for property development are sizable.
Therefore option A is correct.
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a musical instrument manufacturer is considered the best in the industry in terms of human resource management and its excellent supply chain that assures the company will deliver products on time. which macro strategy does this company demonstrate to achieve a sustainable competitive advantage?
Answers
Operational excellence is the plan for Niro music to gain a competitive advantage.
Early in the 1970s, Dr. Joseph M. Juran introduced the concept of operational excellence while educating Japanese industry leaders on how to improve quality. It was defined in the United States in the 1980s in reaction to "the crisis" experienced by large, established firms, whose market share was decreasing as a result of high-quality items imported from Japan.
An excellent workplace culture can be fostered using certain strategies and ideas that are part of the operational excellence style of thinking. Each employee must be able to recognise, provide for, and improve the flow of value to a client for there to be operational excellence.
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You want to paint your room yellow, so you get some samples at the paint store. when you hold the sample against your white wall, it looks different from the way it looks against the green curtain. a psychologist would attribute this to perceptual constancy. visual paradoxes. contrast effects. threshold differences.
Answers
Answer:
contrast effects
Explanation:
Contrast effects is a change of perception when we compare something with something else thereby noticing the difference between them. These comparisons can be color, price, taste.
Contrast effects can make a color appear darker when placed in a lighter background or that an item appear to be cheap when place after being shown a more expensive item. Contrast effects can either be positive or negative.
A positive Contrast effect is one that makes an item better than it is while a negative Contrast effect make an item worse than it is.
1. Buyers, sellers, and producers all have someone else they are competing with for economic benefits. This is known as:
O competition
O monopoly
O collusid
O cartels
Answers
Answer:monopoly
Explanation:
Muffy's Muffins had net income of $2,325. The firm retains 60 percent of net income. During the year, the company sold $295 in common stock. What was the cash flow to shareholders?
Answers
Answer:
The total cash flow to shareholders is $635.
Explanation:
The cash flow to shareholders can be determined by subtracting the new equity raised from the dividend paid.
Cash flow to stockholder = dividend paid - new equity raised
Here net income = $2,325
Retained income = 60%
So the dividend percentage =40%
Total dividend = 2325 × 40% = $930
New equity raised= $295
Thus, total cash flow to shareholders= $930 – 295 = $635
what is business operation scheme model?
Answers
it's your answer pls mark me brainleast
it may help you
Describe an experience you have had as a consumer which illustrates supply and demand.
Answers
Answer:
The law of supply and demand is the market rule by means of which the supply of goods and the demand for them are interrelated, linked through price: the higher the price of the good, the lower the demand for it, since that it will be more inaccessible for consumers, with which there will be an excess supply; Whereas, if the price of the good falls, the demand for the good increases and its supply will not meet the consumption expectations of consumers.
A clear example of this situation occurred in the midst of the coronavirus pandemic, when as a result of restrictions on public transport and fear of crowding in closed places, many people decided to purchase bicycles as an alternative means of transport, which triggered the demand for said well by causing the prices of these to increase.
for which person would renting a home be a better option than getting a mortgage?
Answers
Answer:
Someone who wants ro avoid spending time and money on maintenace
Explanation:
3.1.5. Discuss the characteristics of a mixed Economy.
Answers
Answer:
A mixed economy has three of the following characteristics of a market economy. First, it protects private property. Second, it allows the free market and the laws of supply and demand to determine prices. Third, it is driven by the motivation of the self-interest of individuals
Explanation:
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A customer orders a product in March but is expected to receive the product in May. How long is the lead time
Answers
A customer orders a product in March but is expected to receive the product in May. the lead time is 3 months.
Lead time is the amount of time from the start of a process to its end. Businesses assess lead times during the manufacturing, supply chain, and project management pre-processing, processing, and post-processing phases. By comparing findings to established criteria, they can spot inefficiencies. Productivity improvements and process simplification can raise output and revenue. The manufacturing and sales processes, however, are negatively impacted by longer lead times. The term "lead time" refers to the whole amount of time required to complete a task. In manufacturing, the term "lead time" is widely used to describe the time it takes to make a product and deliver it to a consumer. Add any number of the days it takes to buy something to get the lead time.
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Issued by corporations, these financial instruments give their holders a class ownership in a company. They are riskier than bonds but less risky than the general class of ownership.
Answers
Predict: Now multiply the probabilities together to find the probability of black fur and red eyes. Express your answer as a fraction and as a percentage:
Answers
The probability of an animal having black fur and red eyes is 0.12 or 12%.
To answer this question, we need to have the individual probabilities of black fur and red eyes. Let's assume that the probability of an animal having black fur is 0.6 and the probability of an animal having red eyes is 0.2.
To find the probability of both events occurring, we need to multiply the two probabilities together:
0.6 x 0.2 = 0.12
So, the probability of an animal having both black fur and red eyes is 0.12. We can express this as a fraction by putting 0.12 over 1:
0.12/1
To convert this fraction to a percentage, we can multiply by 100:
0.12 x 100 = 12%
Therefore, the probability of an animal having black fur and red eyes is 0.12 or 12%.
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5. Understanding the IRR and NPVThe net present value (NPV) and internal rate of return (IRR) methods of investment analysis are interrelated and are sometimes used together to make capital budgeting decisions. Consider the case of Cold Goose Metal Works Inc. :Last Tuesday, Cold Goose Metal Works Inc. Lost a portion of its planning and financial data when both its main and its backup servers crashed. The company’s CFO remembers that the internal rate of return (IRR) of Project Lambda is 11. 3%, but he can’t recall how much Cold Goose originally invested in the project nor the project’s net present value (NPV). However, he found a note that detailed the annual net cash flows expected to be generated by Project Lambda. They are:YearCash FlowYear 1 $2,400,000Year 2 $4,500,000Year 3 $4,500,000Year 4 $4,500,000The CFO has asked you to compute Project Lambda’s initial investment using the information currently available to you. He has offered the following suggestions and observations:• A project’s IRR represents the return the project would generate when its NPV is zero or the discounted value of its cash inflows equals the discounted value of its cash outflows—when the cash flows are discounted using the project’s IRR. • The level of risk exhibited by Project Lambda is the same as that exhibited by the company’s average project, which means that Project Lambda’s net cash flows can be discounted using Cold Goose’s 7% WACC. Given the data and hints, Project Lambda’s initial investment is __________ , and its NPV is ____________ (rounded to the nearest whole dollar). A project’s IRR will ______ if the project’s cash inflows increase, and everything else is unaffected
Answers
The initial investment of Project Lambda was $9,325,350.56.
The NPV of Project Lambda is $1,514,304.22,
How to solve for initial investmentPV = A / (r * (1 + r)^n - 1)
where PV is the present value, A is the annual cash flow, r is the discount rate (which is the project's IRR), and n is the number of years.
Using the given annual cash flows and the project's IRR of 11.3%, we can calculate the present value of the annuity as follows:
PV = $2,400,000 / (0.113 * (1 + 0.113)^1 - 1) + $4,500,000 / (0.113 * (1 + 0.113)^2 - 1) + $4,500,000 / (0.113 * (1 + 0.113)^3 - 1) + $4,500,000 / (0.113 * (1 + 0.113)^4 - 1)
PV = $9,325,350.56
Therefore, the initial investment of Project Lambda was $9,325,350.56.
To calculate the NPV of the project, we can use the formula:
NPV = PV of cash inflows - Initial investment
Using the present value of the annuity calculated above as the PV of cash inflows, we can calculate the NPV as follows:
NPV = $2,400,000 / (1 + 0.07)^1 + $4,500,000 / (1 + 0.07)^2 + $4,500,000 / (1 + 0.07)^3 + $4,500,000 / (1 + 0.07)^4 - $9,325,350.56
NPV = $1,514,304.22
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Many workplace safety rules are created by which government agency?
A.
USDA
B.
FTC
C.
FDA
D.
OSHA
Answers
Answer:
OSHA
Explanation:
FDA is food and drug
USDA is the US department of agriculture
FTC is federal trade commision
OSHA is a government organization that develops workplace safety regulations. Thus, the appropriate choice is (D).
What is the role of a Government Agency?A government agency, occasionally an appointed commission, is a permanent or semi-permanent institution within the legislative, executive, and judicial branches of government that is tasked with supervising and managing a variety of tasks, including administration.
Agency kinds come in a wide range. A government agency is often distinct from a department, ministry, and other sorts of public bodies established by the government, notwithstanding terminology differences. Since different sorts of organizations (such commissions) are typically established in an advising capacity,
The boundary between executive and advisory tasks of an agency is sometimes blurred in reality, yet it is not permitted.
Within a federal system, an agency of the government may be founded by either the federal government or a state government.
Hence the correct option is (D).
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Llego el momento de que escribas o grabes la propuesta de valor q propones para tu barrio , comunidad o region y señales de acuerdo con el ejemplo, comocumple con mejorar la calidad de vida de las personas, cual es el beneficio que otorga y cual es ese algo mas que entrega: -mejore la calidad de vida que es la relevancia
Answers
Proposal for improving the quality of life in my community by providing affordable and accessible mental health services, which will benefit individuals and families in need, and also promote overall well-being and social cohesion.
Access to mental health services is a fundamental aspect of a healthy and thriving community. Unfortunately, many individuals and families in my community do not have access to affordable and accessible mental health services, leading to unnecessary suffering and social isolation.
My proposal is to establish a community-based mental health center that provides high-quality mental health services at an affordable cost, with a particular emphasis on reaching out to vulnerable and marginalized populations. By providing such services, my proposal will benefit individuals and families in need, as well as promote overall well-being and social cohesion in my community.
In addition to the direct benefits of the proposed mental health services, the center will also serve as a hub for community engagement, providing a space for social activities and community-building events.
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You are Heidi granular ceo and founder of camp bow wow and you are intending to expand the brand
Answers
Understanding your target market and its requirements is crucial when growing a brand.
You can evaluate the viability of your expansion plans and find areas of potential by conducting market research. In order to grow a brand, franchising is one option. This enables you to swiftly increase the reach of your brand by utilizing the knowledge and resources of franchisees.
Yet it's crucial to have a solid franchise structure in place, with instructions and assistance for franchisees.
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The highest priority for an OSHA workplace inspection is(are) ______. A. worker complaints B. catastrophes (fatalities or hospitalizations) C. imminent danger D. targeted inspections (particular hazards, high injury rates)
Answers
The highest priority for an OSHA workplace inspection is imminent danger, followed by catastrophes (fatalities or hospitalizations), worker complaints, and targeted inspections (particular hazards, high injury rates).
It is necessary to maintain safety in the workplace. The Occupational Safety and Health Administration (OSHA) is the federal agency responsible for enforcing safety and health regulations in the workplace. The main objective of OSHA is to ensure that workers work in a safe and healthy environment.The priority of OSHA in workplace inspections is imminent danger, followed by catastrophes (fatalities or hospitalizations), worker complaints, and targeted inspections (particular hazards, high injury rates). Imminent danger situations involve conditions that pose an immediate threat of serious harm or death to employees. OSHA requires an employer to rectify the problem immediately if they are found to be in imminent danger. It may issue a citation and a monetary penalty if the employer does not correct the problem.Catastrophes, such as fatalities or hospitalizations, are next on the priority list. Catastrophes can occur unexpectedly and should be investigated immediately. Worker complaints, such as hazardous work conditions, is the third priority. When OSHA receives a complaint, it will investigate the workplace to determine whether the complaint is accurate. OSHA may issue citations and monetary penalties to the employer if the complaint is valid.Lastly, targeted inspections, such as particular hazards, high injury rates, and special emphasis programs, are the last priority. OSHA targets specific industries and work activities to focus on areas with a high incidence of injuries, illnesses, or fatalities. This priority system of OSHA ensures that the safety of employees in the workplace is maintained.
The highest priority for an OSHA workplace inspection is imminent danger, followed by catastrophes (fatalities or hospitalizations), worker complaints, and targeted inspections (particular hazards, high injury rates). OSHA's priority system ensures that the safety of employees in the workplace is maintained.
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Consider the overall effects on Global Cleaning Service from selling and preforming services on account for $6,400 and paying expenses totaling $2,500. What is Global Cleaning Services net income or net loss?
Answers
Global Cleaning Service's net income is $3,900.
Net income is calculated by subtracting total expenses from total revenue. In this case, the total revenue from selling and performing services on account is $6,400, and the total expenses are $2,500. Therefore, the net income can be calculated as:
Net Income = Total Revenue - Total Expenses
Net Income = $6,400 - $2,500
Net Income = $3,900
This means that after paying all the expenses, Global Cleaning Service has earned a net income of $3,900.
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the process of taking a new technology from the laboratory to the marketplace is called
Answers
The process of taking a new technology from the laboratory to the marketplace is called Technology transfer.
Technology transfer is the flow of information from one organization to another, or from one use to another, including data, designs, ideas, materials, software, technical expertise, and trade secrets. The rules, practices, and principles of each organization engaged in the process serve as a guidance for the technology transfer process.
Technology transfer, also known as transfer of technology, is the official or informal sharing of skills, information, technologies, manufacturing techniques, and other things between universities, enterprises, and governments. This kind of information transmission makes it possible for scientific and technical advancements to reach a broader audience of consumers, who may subsequently contribute to its development or use it.
Option B is the correct answer.
The correct question is, "The process of taking a new technology from the laboratory to the marketplace is called _____.
A. Basic R&D
B. Technology transfer
C. Technological competence
D. Product R&D
E. Process R&D"
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Isabel and Stuart open a money market account to begin saving for the
college expenses of their newborn daughter. This is an example of a
investment strategy.
O A. high-return
B. diversified
C. long-term
O D. high-risk
SUBMIT
Answers
Considering the situation described above, this is an example of a "Long-Term investment strategy."
What is a Long-Term Investment Strategy?Long Term Investment Strategy is a type of investment decision in which the investor hopes to reap the rewards later, usually five years or more.
Given that Isabel and Stuart opened a money market account to begin saving for the college expenses of their newborn daughter, which may take an average of 16 years or more before they reap it, this is an example of a "Long-Term Investment Strategy."
Hence, in this case, it is concluded that the correct answer is "Long-term investment strategy."
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Answer: C, long-term
Explanation: just finished test
Question 8 In the partnership form of business, co-ownership of partnership assets means that these assets are owned jointly by all partners. True False
Answers
The statement "In the partnership form of business, co-ownership of partnership assets means that these assets are owned jointly by all partners" is true.
A partnership is an agreement between two or more people to operate a business and share its profits and losses. Partnerships, as opposed to corporations or limited liability companies (LLCs), do not have an independent existence apart from their owners. The partners who own and operate the business are jointly and severally liable for all of the business's debts and legal obligations.
A partnership is a kind of business formation in which two or more people co-own a company. All partners share in the company's profits and losses, as well as its management, operation, and debts. In the partnership form of business, co-ownership of partnership assets means that these assets are owned jointly by all partners, which implies that they share ownership of all of the partnership's assets, and each partner has an equal claim to them.
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what is spam?
A unauthorized email featuring anonymous threats
B unauthorized email asking for sensitive information
C unauthorized email advertising services and events
D unauthorized email accidentally sent to the wrong address
Answers
Hope this helped
a chord of a circle of radius 5cm subtains an angle of 70°at the centre.calculate the length of an arc
Answers
Answer:
\(Length = 6.11\ cm\)
Explanation:
Given
\(\theta = 70\°\)
\(Radius, r = 5cm\)
Required
Determine the length of the subtended arc
Length of an arc is calculated by;
\(Length = \frac{\theta}{360} * 2\pi r\)
Substitute \(\theta = 70\°\) and \(r = 5cm\)
\(Length = \frac{70}{360} * 2\pi *5\)
\(Length = \frac{70* 2\pi *5}{360}\)
\(Length = \frac{700 \pi}{360}\)
Take π as 22/7
\(Length = \frac{700}{360} * \frac{22}{7}\)
\(Length = \frac{700 * 22}{360 * 7}\)
\(Length = \frac{15400}{2520}\)
\(Length = 6.11\ cm\)
Hence, the length of the arc is approximately 6.11 cm
Esther primary reason for starting her own business is her desire to make her own schedule. Esther is looking forward to the ______________________ she hopes to have as entrepreneur.
(a) Tax breaks and deductions
(b) Advance technology
(c) Flexibility and independence
(d) Personal commitment
Answers
The policy is really tight on cash and wants to trim down their insurance premiums so they can devote more of their budget to paying off a large credit card debt.which coverage makes the most sense to eliminate
Answers
The coverage that makes the most sense to eliminate is d. They cannot eliminate any of this coverage -- it is all required by Federal law
What is the policy?The purpose of accident coverage is to support financial help for the repair or replacement of a vehicle that has maintained damage in an accident, however the party responsible for the accident.
Therefore, If the vehicle's profit is low, it might be ridiculous to invest in accident coverage, especially if the inferable is high, eventually resulting in the policyholder bearing a solid part of the repair expenses from their own pocket.
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8.The policyholder is really tight on cash and wants to trim down their insurancepremiums so they can devote more of their budget to paying off a large credit carddebt. Which coverage makes the most sense to eliminate?a.Liability coverage, because it is the most expensive part of their billb.Collision coverage, because their car is quite old and the deductible is relativelyhighc.Uninsured motor vehicle coverage, because they already have car insurance, sothey won’t ever be uninsuredd.They cannot eliminate any of this coverage -- it is all required by Federal law
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Match the Professionalism term with its meaning
1.
Accountability
2.
Integrity
3.
Punctuality
4.
Productivity
5.
Initiative
a.
doing your job as efficiently and effectively as possible
b.
doing the right thing, even when no one is watching
c.
being responsible for your actions and words
d.
being on time
e.
to take charge or do things without being told
Answers
Answer:
Number 1
Explanation:
Number 1 is correct