The more coercive power, a manager is, the more probable it is that he will incite resentment.
How do you use coercive power?A manager's capacity to compel an employee to follow instructions by threatening to discipline the employee if the employee disobeys the order is known as coercive power. The fact that coercive authority employs the use of force is the most crucial idea to comprehend. Instead of trying to persuade people to behave a certain way, it tries to force or compel them. Threats of write-ups, demotions, wage cuts, layoffs, and terminations as punishment for employees disobeying orders are a few examples of coercive power. The manager must be able to carry out the threat for it to be effective. Threatening punishment becomes pointless and even harmful if failure to comply is not followed through with, as staff members may stop respecting the manager's authority.
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If the certificate of limited partnership that is filed with the secretary of state is substantially defective, a general partnership is created.
a. true
b. false
A).If the certificate of limited partnership that is filed with the secretary of state is substantially defective, a general partnership is created. The statement given above is true.
What is a general partnership? A general partnership is a business structure in which two or more people share ownership and liability for the business. A general partnership is an agreement between two or more persons (partners) to conduct business together for a profit. A limited partnership is a business arrangement in which only one partner is held responsible for the debts incurred by the company. The other partners, known as limited partners, are only liable up to the amount of money they've invested. When a certificate of limited partnership is filed with the secretary of state, it creates a limited partnership, not a general partnership.
However, if the certificate of limited partnership is significantly defective, the partnership is deemed a general partnership. As a result, all partners are equally responsible for the partnership's debts and obligations. As a result, option a is correct (True).
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The household income for the Washington family is $100,000, and they pay an income tax rate of 25%. What is the Washington's
annual disposable income?
-0)
A)
$100,000
B)
$25,000
C)
$50,000
D)
$75,000
Answer:
D)
$75,000
Explanation:
Disposable income is the diffrenced between gross pay and deductions.
Net pay =$100,000
the come tax = $100,00 -$25,000
=$75,000
when one nation can produce a product at lower cost relative to another nation, it is said to have a(n) in producing that product. question 21 options: a) relative advantage b) economy of scale c) production efficiency d) absolute advantage
When one nation can produce a product at a lower cost relative to another nation, it is said to have an "absolute advantage" in producing that product.
Absolute advantage refers to the ability of a country, individual, or entity to produce a good or service more efficiently than another, using the same amount of resources.
is based on the comparison of production costs and output levels between two entities. When a nation has an absolute advantage in producing a particular product, it means that it can produce that product with fewer resources or at a lower cost compared to another nation. This can be due to factors such as advanced technology , skilled labor, access to resources, or specialized knowledge. Absolute advantage allows a nation to specialize in producing goods or services in which it has the lowest production costs, leading to increased efficiency and potentially higher overall output.
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3. Not all the busines contracts
are legal. Justify.
Answer:
They could be scams wanting money out of you. It is simple as that they can act as a business but they aren't. To be honest with you you are your own business because whatever you do is good or well so you don't need approval on others so my answer is scammers cause other businesses are working hard to make money and respect their customers!
What should i do when starting a business? (At least one paragraph)
Answer:
Uhm uhm uhm
Explanation:
uhm uhm uhm….
What is one difference between common and preferred stock?
A. Common stockholders receive higher dividends than preferred
stockholders,
B. Holders of common stock are paid off sooner than holders of
preferred stock if the business goes bankrupt.
C. Common stock costs more than preferred stock
D. Common stock value can appreciate more than preferred stock.
Answer:
C. Common stock costs more than preferred stock
Explanation:
a perfectly competitive market is initially in long-run competitive equilibrium. then, market demand increases. as a result, group of answer choices the marginal revenue curve for each firm shifts upward. marginal cost for each firm falls. average total cost for each firm rises. a and b the demand curve for each firm shifts upward.
The market demand increases. as a result, the marginal cost for each firm falls.
What is market demand?Market demand is the specific quantity of an item that consumers can afford and want to buy at the advertised price. Market demand affects businesses and consumers alike since it affects output and helps to form market competition. Consumer demand must be understood by businesses in order to create, produce, and market goods and services to consumers in a way that will fulfill demand. Producing the products and services that customers desire and need, as well as the necessary amount of those products and services to meet demand, will help a business better satisfy its customers.
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give one example of economic activity and non economic activity
the ceo of start-up services has placed an ad about the small entrepreneur coaching enterprise on her vehicle. this form of support media is an example of
The CEO of Start-up Services has placed an ad about the small entrepreneur coaching enterprise on her vehicle. This form of support media is an example of a mobile billboard.
A mobile billboard, often known as a "digital billboard truck," is a device that is primarily used for advertising on the sides of a truck or trailer. Mobile billboards are a type of transit media, as are static billboards and mall/airport advertising. The use of a mobile billboard for advertising is classified as mobile outdoor advertising.
The majority of mobile billboards are dedicated, customised LED vehicles with big bodies for advertising. Although they are banned in many locations, some of these dedicated units have features such as external music systems, lights, LED panels, and hot/cold boxes for product sampling.
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Erica sells magazine subscriptions and makes a flat rate of $5. 35 for each subscription she sells. If Erica made $42. 80 on Monday, $64. 20 on Tuesday and $74. 90 on Wednesday, how many subscriptions did she sell in the three days? a. 32 b. 33 c. 34 d. 35 Please select the best answer from the choices provided A B C D.
The number of subscriptions she sell in three days is 34. The calculation is done by dividing the money earned with the rate per subscription.
What is division?Division is one of the four basic operations in math. It is used to calculate the number of small units that can be obtained from a larger unit. In the given question, the amount of earning is divided by the rate per subscription to calculate the number of subscriptions sold.
Calculation:
Given:
\(\begin{aligned} \rm Rate\:per\:subscription &= \$5.35\\ \\ Money\: earned\: on\: Monday &= \$42.80\\ \\ Money\:earned\:on\:Tuesday &= \$64.20\\ \\ Money\:earned\:on\:Wednesday &= \$74.90\\ \\ Total\: money\: earned \:in \:three \:days &= \$42.80 + \$64.20 +\$74.90\\\\ &=\$181.90\end\)
Therefore, number of subscriptions sold in three days will be:
\(\begin{aligned} \rm Number\:of\:subscriptions &=\rm \dfrac{Total\:money\:earned}{Rate\:per\:subscription}\\ \\ \rm Number\:of\:subscriptions &= \dfrac{181.90}{5.35} \end\)
Hence the number of subscriptions Erica sell in three days is 34.
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What is gross profit? A. The money left over after the cost of making a product or providing a service B. The cost of labor to produce a product C. The difference between a product's price and the revenue of the company D. A negative net profit, so the company experiences a loss Please select the best answer from the choices provided A B C D Mark this and return
Answer:
The answer is A
Explanation:
Answer from another website: Gross profit is the profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services. Hope dis helps u
What is the band that starts a concert?
a) Opening act
b) Headliner
c) Secondary act
d) None of the above
Answer: Opening act
Explanation: trust
(PLS HELP ASAP) Davon holds a degree in sports medicine. Which company might be interested in hiring Davon?
Question 3 options:
A- A traveling soccer league looking for an athletic trainer
B- A women's clinic needing sonogram technicians
C- A lab looking for someone to file their DNA analyzer
D- A grocery store looking for a pharmacist
Answer:
I think it would be answer A.!
Explanation:
Hope this helps please let me know if its correct or not?! :)
Davon might be hired by a touring soccer league searching for an athletic trainee. As a result, choice (A) is the correct reaction.
What is sports medicine?Sports medicine is a subspecialty of medicine that addresses physical fitness as well as the diagnosis, mitigation, and prevention of sports- and exercise-related injuries. Although the majority of sports organizations have long had team physicians on staff, sports medicine has only recently become recognized as a separate area of medicine. Sports medicine is a known medical specialty in various nations.
Sports medicine is a physician (non-surgical) specialty in the vast majority of nations where it is recognized and practiced, but in some (like the USA), it can also be a surgical or non-surgical medical specialty and a specialized area within primary care.
Therefore, option (A) is the accurate answer.
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(Bond valuation relationships) The 15-year, $1,000 par value bonds of Waco Industries pay 8 percent interest annually. The market price of the bond is $945, and the market's required yield to maturity on a comparable-risk bond is 7 percent.
a. Compute the bond's yield to maturity.
b. Determine the value of the bond to you given the market's required yield to maturity on a comparable-risk bond.
c. Should you purchase the bond?
Where the above conditions are given,
a. The Bond's Yield to maturity is approximately 8.5%.
b. The bond's value is higher than $945.
c. Yes, you should purchase the bond.
What is the explanation for this ?Using the formula
Bond Price = (Coupon Payment / YTM) * (1 - (1 / (1 + YTM)^n)) + (Par Value / (1 + YTM)^n)
Where -
Coupon Payment = Annual interest payment = 8% of $1,000 = $80
YTM = Yield to Maturity (unknown)
n = Number of years to maturity = 15
Par Value = $1,000
Plugging in the values we have
$945 = ($80 / YTM) x (1 - (1 / (1 + YTM) ¹⁵) ) + ($1,000 / (1 + YTM)¹⁵)
YTM = 8.5%
b) If the market's required yield to maturity on a comparable-risk bond is 7%, and the bond's yield to maturity is 8.5%, it suggests that the bond's yield is higher than the market's required yield of $945
c) Based on the given information, the bond's yield to maturity (8.5%) is higher than the market's required yield (7%), indicating that the bond is undervalued, hence is okay to be purchased.
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Transworld Deliveries is expanding its contract home delivery service into the Northeastern United States. The company anticipates that to accommodate this expansion it will need between 35 and 80 staffed delivery vehicles. Transworld is currently moving 35 of its own vehicles, with drivers, into the Northeast. The daily cost of operating its own fleet is $730 per vehicle, while the daily cost of leasing a vehicle and driver is expected to be $1,300 per vehicle. Using an expected value approach, should Transworld purchase additional vehicles and hire additional drivers? If so, how many would you recommend?
Question Completion:
Demand Requirements (in vehicles)
Requirements 20 35 50 80
Probability 0.35 0.15 0.1 0.4
Answer:
Transworld Deliveries
1. Transworld Deliveries should purchase additional vehicles and hire additional drivers.
2. I recommend 14 new vehicles with drivers to bring the number from 35 vehicles to 49 vehicles.
Explanation:
a) Data and Calculations:
Vehicles requirements (Range) 35 and 80
Own Vehicles being moved = 35
Cost of own fleet = $730 per vehicle
Cost of leasing = $1,300 per vehicle
Decision: Purchase additional vehicles or
Lease additional vehicles
Expected Vehicles Required:
Requirements 20 35 50 80
Probability 0.35 0.15 0.1 0.4
Expected value 7 5 5 32
Total expected number of vehicles required = 49
Additional vehicles required = 49 - 35 = 14
Cost of leasing additional vehicle = 14 * $1,300 = $18,200
Cost of purchasing vehicles and hiring additional drivers = $730 * 14 = $10,220
Difference in costs = $18,200 - $10,220 = $7,980
How can choosing the right institution help you manage money effectively?
Answer:
You may get a better job, or it may make you more responsible. The money is the main thing, you will get paid better, so you wont have to worry abt money i guess.
Explanation:
Donald Trump wanted to pull us out of the WTO because he thought China was cheating. Would you stay in or leave?
Answer: I hate Trump and would make him eat tortilla chip vertically :/
Explanation:
analyse the impact of an enterprise using break even analysis to make business decisions
Answer:
Using break-even analysis in your feed and grain business can help you understand and examine the profit drivers of your business. It is a very useful tool that can help you understand how much you need to sell to cover your costs and how pricing, cost, and volume changes impact these needed sales.
With the help of online research, write a short report on “glocalization.”
The phenomena of Glocalization, which is best described as Thinking Globally, Acting Locally, is created when the two terms of globalisation and localization are combined.
To put it more properly, we may say that although if a single brand is produced, sold, and distributed globally, it is nevertheless personalised and customised to suit the tastes and preferences of customers in the many global marketplaces.
It is carried out since each region of the world has its own unique culture, linguistic preferences, demands, and desires.
By adjusting their offerings and products to meet the needs of that specific market, businesses may effectively position and place their items, resulting in high revenues and devoted customers.
The following are all global brands, although they cater to the demands of their customers in various parts of the world while selling items.
Chips by Lays (They sell different flavours in different parts of the world, according to the taste preference and eating habits of that country).
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Maintain a detailed working knowledge of all equipment deficiencies within the Work Center. The Work Center Supervisor will use the Current Ship's Maintenance Project (CSMP) as a daily working document for the scheduling of any maintenance actions not included on the PMS schedules. B. Use SKED's revision editor to ensure that all PMS changes have been properly annotated and applied to the schedule prior to the LCPO/LPO, Division Officer, and Department Head reviews and finalization. C. Schedule weekly Work Center maintenance and supervise its proper accomplishment. D. Ensure the status of Work Center planned maintenance is correctly reflected on the PMS schedules. E. Ensure the Division Officer and Division LCPO/LPO are advised of all 3-M System activity within the Work Center. F. Maintain an adequate supply of 3-M System materials within the Work Center. G. Ensure prompt reporting of all material deficiencies and completed maintenance actions as required. H. Ensure all equipment changes, adds and removals, regardless of whether the action is performed by command personnel or outside activities, is present or modified in the OMMS database and, if not present, is reported via 4790/CK to the Configuration Data Manager (CDM). A PMS FBR shall be submitted requesting a LOEP change for new adds and for equipment removals. This includes all alterations that result from maintenance actions which modify or change installed equipment as well as planned alterations, its called?
The correct answer is Maintain an adequate supply of 3-M System materials within the Work Center. The Maintenance Material Management (3-M) System is what this is known as.
The US Navy uses the system, a thorough maintenance management programme, to guarantee the material readiness of ships and submarines. In addition to maintaining accurate records of equipment deficiencies, maintenance actions, and material usage, the 3-M System contains methods for planning, scheduling, and tracking maintenance tasks.
The Current Ship's Maintenance Project (CSMP), Planned Maintenance System (PMS), SKED's revision editor, and the OMMS database are among the tools and papers used in this process. The system's goal is to guarantee that equipment is maintained in a way that is safe, dependable, and economical and that maintenance tasks are correctly planned, carried out, and recorded.
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Disney differentiates itself by not simply having customers go on a ride, but instead immersing them in the experience. what is the name for this type of differentiation?
An experience differentiation is adopted by Disney as its differentiate itself by not simply having customers go on a ride but instead immersing them in the experience.
What is a differentiation?It refers to the marketing strategy that is designed to distinguish a company's products or services from the competition.
For the experience differentiation, it is an extension of product differentiation that is accomplished by using customers five senses to create an experience rather than simply providing a service.
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if you are charged with selling/providing/delivering alcohol
If a person is criminally negligent and offers alcohol to a habitual drinker or an intoxicated or insane person, they will be breaking the law.
(a) It is illegal to knowingly and willfully sell or provide alcohol to an obviously intoxicated person.
(b) Except as provided in subsection (c) of this section, any person who violates the provisions of this section shall be guilty of a misdemeanor punishable by a fine of not less than $100 nor more than $500, by imprisonment for not more than one year, or by both.
(c) A violation of this section or Section 106.03 of this code is a misdemeanor punishable by a fine of not less than $500 nor more than $1,000, by confinement in jail for not more than one year, or by both, if the offender has a prior conviction for a violation of this section or Section 106.03 of this code.
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assume that customers have the right to return merchandise and that the company has previously recorded sales returns and allowances related to those sales. the company is permitted to reverse any remaining amounts in the sales returns and allowance account related to those sales when the return period:
Yes, the company is allowed to reverse any remaining amounts in the sales returns and allowance account related to the sales when the return period expires.
The purpose of the sales returns and allowance account is to record the expected returns and allowances on sales made during a particular period.
If the return period expires without any additional returns or allowances, it means that the company has fulfilled its obligations, and the recorded amounts in the sales returns and allowance account are no longer needed.
Therefore, the remaining amounts in the sales returns and allowance account can be reversed, which means they are removed from the account and transferred to the company's revenue account. This ensures that the company's financial statements accurately reflect the sales revenue earned during that period.
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Using the following information:
1. The bank statement balance is $2,762.
2. The cash account balance is $3,113. 3. Outstanding checks amounted to $724. 4. Deposits in transit are $884. 5. The bank service charge is $182
6. a check for $40 supplies was recorded as $31 in the ledger.
prepare a bank reconciliation for miller co. for august 31
Miller co.
Bank Reconciliation
August 31
Cash balance according to bank statement
Adjusted balance
Cash balance according to company's records
Adjusted balance
Adjusted balance according to bank statement is $2,922 and adjusted balance according to company's records is $2,940
Let's prepare a bank reconciliation for Miller Co. for August 31 using the provided information.
Miller Co.
Bank Reconciliation
August 31
Step 1: Start with the bank statement balance.
Cash balance according to bank statement: $2,762
Step 2: Add deposits in transit.
Adjusted balance: $2,762 + $884 = $3,646
Step 3: Subtract outstanding checks.
Adjusted balance: $3,646 - $724 = $2,922
Step 4: Start with the cash account balance.
Cash balance according to company's records: $3,113
Step 5: Add or subtract any errors in the ledger.
In this case, a check for $40 supplies was recorded as $31, so we need to correct this error by adding the difference ($9) to the cash account balance.
Adjusted balance: $3,113 + $9 = $3,122
Step 6: Subtract the bank service charge.
Adjusted balance: $3,122 - $182 = $2,940
Now, let's compare the adjusted balances:
Adjusted balance according to bank statement: $2,922
Adjusted balance according to company's records: $2,940
In this case, the adjusted balances do not match. It is important to review the bank reconciliation and look for any errors or discrepancies that may have occurred to find the cause of this difference.
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Conduct a web search to find the two (2) latest Free Trade Agreements (FTAs) in South America: i. Indicate the date on which each FTA entered into force and the date on which the World Trade Organization (WTO) was notified about the Agreement. [2 marks] Compare and contrast the two (2) FTAs. [4 marks] Clearly identify the static and dynamic economic effects of the FTAs for the countries involved. [6 marks] 11. 111. iv. V. 11. b. Conduct a web search to find the four (4) latest Free Trade Agreements (FTAs) in Asia: Indicate the date on which each FTA entered into force and the date on which the World Trade Organization (WTO) was notified about the Agreement. [4 marks] i. Compare and contrast the four (4) FTAs. [8 marks] Clearly identify the static and dynamic economic effects of the FTAs for the countries involved. [8 marks] 111. iv. Clearly identify and explain which country or countries experienced trade creation. [4 marks] V. Clearly identify and explain which country or countries experienced trade diversion. [4 marks] Clearly identify and explain which country or countries experienced trade creation. [4 marks] Clearly identify and explain which country or countries experienced trade diversion
The two latest Free Trade Agreements (FTAs) in South America are Agreement between Mercosur and the Republic of Chile and the Pacific Alliance-United Kingdom Association Agreement. The Mercosur-Chile FTA entered into force on 1 March 2021, and the WTO was notified on 25 February 2021.
The Mercosur-Chile FTA deepens the economic integration between the Mercosur bloc (Argentina, Brazil, Paraguay, and Uruguay) and Chile. It eliminates tariffs on various products, facilitates market access for services, and enhances cooperation in areas such as customs procedures and intellectual property. This agreement is expected to generate static economic effects, such as increased trade flows and market access for businesses in both Mercosur and Chile.
On the other hand, the Pacific Alliance-UK Association Agreement strengthens the economic ties between the Pacific Alliance countries (Chile, Colombia, Mexico, and Peru) and the United Kingdom. It covers a wide range of areas, including goods, services, investment, government procurement, and intellectual property. The agreement aims to provide stability and predictability for businesses, promote trade and investment, and foster economic development. The dynamic economic effects of this agreement may include increased foreign direct investment, technology transfer, and economic growth for the countries involved.
In terms of trade creation, both agreements can lead to the creation of new trade opportunities between the participating countries. For example, the elimination of tariffs and trade barriers can incentivize businesses to explore new markets and expand their export activities. This can benefit countries like Chile, which has a strong export-oriented economy and can access larger markets within Mercosur and the Pacific Alliance.
Regarding trade diversion, it is important to consider that FTAs can redirect trade away from non-member countries. In the case of the Mercosur-Chile FTA, countries outside of Mercosur and Chile may experience trade diversion as the preferential treatment and lower trade barriers within the FTA encourage trade among its member countries. Similarly, the Pacific Alliance-UK Association Agreement may divert trade away from non-member countries towards the United Kingdom and the Pacific Alliance countries.
Overall, these FTAs in South America aim to enhance regional integration, boost economic cooperation, and create new trade opportunities. While they share the objective of promoting trade, each agreement involves different countries and has its own specific provisions, leading to distinct static and dynamic economic effects.
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What can a boosted post help an advertiser achieve?
A boosted post helps an adviser to connect with the audience and gain trust.
Boosted post is a kind of post that is used on social media platforms in order to enhance the page of the platform and to attract audience to the page. Boosted post can help better communication with the audience along with the increase in a greater number of messages, calls and texts. Boosted posts help for better advertisements of the product. For example, A Chocolate brand may use Boosted posts to gain audience as well as consumers. Boosted posts helps an adviser to be discovered among people, to establish a benchmark in the market and to gain more and more customers. It's a kind of marketing strategy used for publicity purpose.
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Manufacturing machinery must be maintained to continue working. Who is responsible for this?
Industrial machinery mechanics
Line assemblers
Manufacturing engineers
Product inspectors
Answer: Industrial machinery mechanics
Explanation: took exam and got 100
Answer:
A
Explanation:
Descriptive analytics helps detect hidden patterns in large quantities of data to group data into sets to predict behavior?
Descriptive analytics not helps detect hidden patterns in large quantities of data to group data into sets to predict behavior.
Descriptive analytics is the process of using current and historical data to identify trends and relationships, so this is not true that Descriptive analytics helps detect hidden patterns in large quantities of data to group data into sets to predict behavior.
Descriptive analytics can help to identify the areas of strength and weakness in an organization. Examples of metrics used in descriptive analytics include year-over-year pricing changes, month-over-month sales growth, the number of users, or the total revenue per subscriber.
4 Key Types of Data Analytics
Descriptive Analytics
Diagnostic Analytics
Predictive Analytics
Prescriptive Analytics
Descriptive Analytics tells you what happened in the past. Diagnostic Analytics helps you understand why something happened in the past. Predictive Analytics predicts what is most likely to happen in the future. Prescriptive Analytics recommends actions you can take to affect those outcomes.
Predictive analytics forecasts potential future outcomes, while prescriptive analytics helps you draw specific recommendations. Predictive and prescriptive analytics are tools for turning descriptive metrics into insights and decisions.
It provides an overview of varied data types, from financial statements to surveys, website traffic, and scientific data. A key advantage of descriptive analytics is that it requires only basic math skills and allows you to present otherwise complex data in an easily digestible format.
Descriptive studies can be of several types, namely, case reports, case series, cross-sectional studies, and ecological studies. In the first three of these, data are collected on individuals, whereas the last one uses aggregated data for groups.
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Agent John just listed a home in the mid-range priced neighborhood, which of the ad headlines would probably be the least effective:
A) Large Backyard
B) Three Bedrooms
C) $125,000
D) Needs Paint
Among the given options, the least effective headline for an ad listed by Agent John in the mid-range priced neighborhood is D) Needs Paint.
This is because, while highlighting the property features and specifications, an ad should focus more on the positive aspects of the property than the negative ones.
The purpose of an ad is to persuade prospective buyers to take a step forward and come forward to inspect the property.
A headline like "Needs Paint" creates a negative impression in the buyer's mind and, instead of grabbing their attention, might repel them from further considering the property.
In contrast, headlines like "Large Backyard" or "Three Bedrooms" can attract potential buyers,
as these features are desirable and have the potential to increase the property value.
Likewise, mentioning the price of the property in the headline, "125,000", could also attract buyers as the price is mentioned upfront,
and interested buyers can take an immediate decision whether to consider the property or not.
Thus, it is recommended to focus more on the positive features and specifications of the property,
while designing an ad.
The headline of the ad plays a significant role in the buyer's decision-making process.
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Which of the following statements is true about mortgages?
A. The adjustable mortgage has an adjustable term of years but
fixed interest rate.
B. The adjustable mortgage has adjustable rates over a set amount
of time.
C. The fixed mortgage has a fixed term of years but adjustable
interest rate.
D. The fixed mortgage has an adjustable interest rate over a set time.
The statement true about mortgage is B. adjustable mortgage has adjustable rates over a set amount of time.
A mortgage is basically a pact or agreement between the person who is providing a loan in the form of money and the person taking the loan in the form of money. It includes that if you fail to return the amount the lender has all the rights by which they can take away your property that you have submitted as a security deposit in form of property papers.
There are two types of mortgages on the basis of interest rates first is adjustable mortgages which has adjustable rates of interest through a fixed period of time. On the other hand is fixed mortgages which means there is a fixed rate of interest for a fixed period of time.
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