it is likely that the bank's exposure to credit risk would increase.
Why is credit risk?The algorithm attempts to evaluate the likelihood of default and, subsequently, the risk of a financial loss for the lender by weighing five borrower attributes and loan terms. Character, capacity, capital, collateral, and conditions make up the five Cs of credit.The possibility that a borrower or counterparty would breach a commitment gives rise to credit risk. The main and most visible source of credit risk for the majority of banks is lending.Credit risk management, a procedure that has long been difficult for financial institutions, is the art of minimizing losses by determining the sufficiency of a bank's capital and loan loss reserves at any given time.To learn more about credit risk refer,
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if government purchases were to decrease by $300 billion or if taxes were increased by $300 billion, the equilibrium level of real gdp would decrease by
Answer: more than $300 billion.
Explanation:
Therefore, as per the multiplier effect, if the government's purchasing worth $ 300 billion were decreased, or taxes were increased by $300 billion, it will directly impact the equilibrium level of real GDP and would decrease by more than $300 billion.
which of the following is not an advantage of personal selling over advertising? a. it allows the organization to have more control over who sees its message. b. any misunderstanding of the message can be corrected. c. it is the least costly form of promotion. d. all of these are advantages.
Out of the choices provided above, the statements that are not an advantage of personal selling over advertising, includes,
any misunderstanding of the message can be correctedit is the least costly form of promotion.Therefore, the options B and C hold true.
The advantages of personal selling include the fact that it allows an organization to have a better sense of command over who sees its communication or the message. Moreover, personal selling is not at all a cheap form of promotion, as it requires specialization, and the process of promotion is not at all standardized.
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cassandra wants to customize her display ads based on how potential customers previously engaged with her website. which option best suits her needs?
Since Cassandra wants to customize her Go-ogle Display Ads based on how potential customers previously engaged with her website, an option which best suits her needs is: D. remarketing.
What is Search engine optimization (SEO)?Search engine optimization (SEO) can be defined as a strategic process which is typically used to improve and maximize the quantity and quality of the number of visitors (website traffics) that visits a particular website, by making it appear topmost among the list of results displayed by a search engine such as the following;
Goo-gleYah-ooBingWhat is an ad?In Business management, an ad is an abbreviation for advertisement and it can be defined as a group of consumer and sales promotion campaign which is designed and developed with the sole intention of making the various quality goods or services that are being produced or offered by a business organization (company or firm) to become known, popular, and familiar to all of its customers and potential customers.
In this scenario, we can logically conclude that an option which would best suit Cassandra in customizing her Go-ogle Display advertisements (Ads) based on how potential customers engaged with her website previously is remarketing.
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Complete Question:
Cassandra wants to customize her Go-ogle Display Ads based on how potential customers previously engaged with her website. Which option best suits her needs?
In-Market audiences
Custom Affinity audiences
Similar Audiences
Remarketing
bsg - how can companies avoid significant exchange rate cost adjustments of shipping to latin america?
By transporting all of the product from a North American factory to Latin America, businesses can avoid large exchange rate cost changes for shipping there.
What are exchange rates?Simply put, the rate at which one currency can be exchanged for another is known as the exchange rate between two currencies. For instance, if the exchange rate between the U.S. dollar and the Japanese yen is 80, then 1 U.S. dollar will get you 80 Japanese yen, and it is obvious that it will cost 80 Japanese yen to buy 1 U.S. dollar.The rate of economic activity, the level of market interest rates, the gross domestic product, and the unemployment rate in each of the countries involved all have a role in determining the level of the exchange rate between any two currencies. In the global financial market, where banks and other financial institutions trade currencies round-the-clock based on their opinions on the aforementioned elements as well as their own financing requirements and investment objectives, exchange rates are set.Exchange rates are continually changing from day to day, and often even from minute to minute, due to the 24-hour nature of the world's currency exchanges. Changes can be subtle or rather spectacular.Changes in exchange rates have an impact on businesses in two ways: first, by altering the price of goods imported from other nations and, second, by altering how desirable their products are to customers abroad.Hence, By transporting all of the product from a North American factory to Latin America, businesses can avoid large exchange rate cost changes for shipping there.
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in the exploration stage of a sales relationship, while responding to a complaint, after the customer tells his or her story and the facts are determined, what would be the next step for the salesperson?
In the exploration stage of a sales relationship, while responding to a complaint, after the customer tells his or her story and the facts are determined, the next step for the salesperson is to offer a solution
What is a salesperson?Generally, During the exploration stage, you will be gathering information on the capabilities, interests, and requirements of families and parents living in your neighborhood.
Your program may do an analysis of the many available curriculums. During this phase of the process, your program will also assemble the team that will be responsible for directing and carrying out the implementation.
It is the job of the salesman to welcome clients, assist them in locating things they are looking for inside the shop, and ring up their purchases. To be effective as a salesman you must have strong communication abilities. A successful salesman may achieve their sales goals while maintaining a positive attitude and being helpful to consumers.
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the two channels through which monetary policy can influence behavior in the goods market are
Answer:
the two channels through which monetary policy can influence behavior in the goods market are the Saving and Investment Channel and Cash-flow Channel
Explanation:
The transmission of monetary policy describes how changes made by the Reserve Bank to its monetary policy settings flow through to economic activity and inflation.
Saving and Investment Channel
Monetary policy influences economic activity by changing the incentives for saving and investment. This channel typically affects consumption, housing investment and business investment.
Cash-flow Channel
Monetary policy influences interest rates, which affects the decisions of households and businesses by changing the amount of cash they have available to spend on goods and services. This is an important channel for those that are liquidity constrained
Net marketing contribution reveals what is left after the manufacture and sale of the product to cover marketing, fixed costs and profit. True or False
It is true that net marketing contribution reveals what is left after manufacture and sale of product to cover marketing, fixed costs and profit.
What is marketing?Discovering, creating, and providing value to meet a target market's needs for products and services is the process of marketing. Additionally, it can entail selecting a target market, deciding which attributes or themes to highlight in advertising, executing advertising campaigns, and taking part in trade exhibits and public events. The marketing is the responsibility of the seller, who is typically a manufacturer or merchant. It is one of the key components of business management and commerce. Marketers can direct their products at either consumers or other businesses (B2B marketing) (B2C marketing). Regardless of the target audience, a number of factors, including the perspective of the marketer, are important. Market orientations are what determine how marketers approach the marketing planning step.
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in solving a problem, a manager group of answer choices changes the situation in which the problem occurs. settles for less than ideal. selects the optimal response. eliminates the problem situation. chooses a satisfactory solution.
in solving a problem, a manager group of answer choices changes the situation in which the problem occurs- selects the optimal response.
what is optimal response?The reaction rate that optimises the reinforcement rate is what we refer to as the ideal response rate. R is the reinforcing rate. p(r; t, )t-1 = R(t, ). Numerous well-known learning theories have been developed as a result of the examination of reaction rates' significant influence on psychology. However, there is growing interest in interpreting response rates as a choice about how to space replies through time rather than as a general response to relationships or worth. Recent studies have demonstrated that both people and mice are capable of timing a single action to maximise reward. Here, we demonstrate how humans and rats approach the optimal reinforcement rate yet consistently react more quickly than they should. This is done using the well-known DRL timed challenge.
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given the following financials and a 365-day year, what is the cash-to-cash cycle? sales: $50,002 cost of goods sold: $42,068 beginning inventory: $1,051 ending inventory: $1,301 receivables: $6,493 payables: $11,293
Required 1 Required 2 Use the information above to compute the number of days in the cash conversion cycle for each year.
Cash: What Is It?Currency or coins are considered legal tender and can be used to pay for goods, settle debts, or exchange services. In some cases, the value of assets that can be quickly converted into cash is also included, as provided by a corporation.
Why does cash matter in accounting?Cash accounting is used by companies that only record transactions once money has actually changed hands. Until payment is received or paid, these companies won't report income or expenses. It doesn't matter if the goods and services have been delivered or if the invoice has been sent.
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what is the quantity exchanged when the price floor is $0.75 in the market for public transportation?
In the trade for public transportation, once the price floor is $0.75, there is no quantity exchanged.
What does the word "market" signify in economics?A market is any framework that enables sellers and purchasers to trade any kind of commodities, services, or information, according to mainstream economic theory. A transaction is any exchange of goods, whether it involves payment or not.
Briefing:The requisite price is the floor price.
In the above table Equilibrium price is $1.25where quantity demanded = quantity supplied = 86,000.
Price floor =$0.75 , where quantity demanded = 100,000
Quantity supplied=65,000.
At the ceiling price($0.75) , which is below equilibrium price, quantity demanded > quantity supplied.
Surplus arises when quantity supplied > quantity demanded.
So at price floor of $ 0.75 there will be no surplus. Rather there will be shortage.
Thus, this limit price will continue to be useless.
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paradox theory states the key paradox in management is that there is no final optimal status for an organization. true false
True, paradox theory states the key paradox in management is that there is no final optimal status for an organization.
What is organizational behavior?
Organizational behavior is an area of study that looks at how individuals, groups and structures interact within an organization. It examines topics such as employee motivation, leadership, communication, decision-making, job satisfaction and job design. It also looks at how organisations can use these factors to improve performance, increase job satisfaction and create a positive working environment. OB seeks to understand and predict how individuals, teams, and organizations will behave in different situations. It also looks at how organizations can be managed to foster better performance and productivity.
The paradox theory of management states that organizations cannot achieve a final optimal status, as there is always a need to continually adapt to changes in the environment. The theory suggests that organizations are in a constant state of change, with each change leading to a new set of challenges and opportunities. Organizations must be able to recognize and respond to these changes in order to remain competitive and successful.
Therefore, true is the correct answer.
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true or false: cobra protects employees and their family members with preexisting medical conditions from health coverage discrimination.
cobra protects employees and their family members with pre-existing medical conditions from health coverage discrimination- false.
what are pre-existing medical conditions?a medical condition you had before the start date of the new health insurance, such as diabetes, cancer, or asthma. Insurance providers cannot charge you more or refuse to pay for treatment for a pre-existing ailment.
A pre-existing condition is a disease or injury that existed before enrolling in a health insurance plan. Pre-existing conditions can range from pregnancy to conditions like cancer, diabetes, lupus, depression, acne, and just about any other illness you can think of.
Prior to 2014, medical underwriting was utilized by individual market health insurers (i.e., insurance that consumers purchase on their own rather than through an employer). That implied that if an applicant had a pre-existing ailment, they may reject the application outright, impose higher charges, or impose a waiting time.
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How many francs is the tariff (“protecting duty”) that is added to a product that ends with a product that is priced 40 francs in paris?
Answer:
25
Explanation:
the risk-free rate is 4 percent and the market expected return is 11.3 percent. what is the expected return of a stock that has a beta of 1.25?
The anticipated return for a stock with a beta of 1.25 is 13.13 percent. A stock is a colloquial phrase for any product - market documents.
What other things do you mean by stock?
The property rights of any firm are commonly referred to as stocks. A share, on the other hand, refers to the stock certificate of a specific corporation. If you own shares of a certain company, you are considered a shareholder. There are two categories of stocks: outstanding common.
Why do people buy stocks?
Stocks could be a helpful addition to your investment portfolio. By buying stocks in a range of firms, you can expand your savings, protect your money against deflation and taxes, and boost the yield on you investments.
Briefing:
E(r)= Rf + over CAPM (Rm-Rf)
E(r) stands for expected return, RF for risk-free rate, = Beta, and Rm for return on market.
This model allows us to calculate the value of beta as follows:
β-1.25, Rf- 4%, Rm = 11.3%
E(r) = 4% + 1.25 × (11.3 - 4)%= 13.13%
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the following data are available for the south division of manhattan products, inc. and the single product it makes: unit selling price $ 37 variable cost per unit $ 29 annual fixed costs $ 297,000 average operating assets $ 1,670,000 how many units must south sell each year to have an roi of 12%?
The number of units that the South division of Manhattan products Inc. needs to sell to have an ROI of 12 %, is 62, 175 units
How to find the number of units ?First, find the ROI:
= 12 % x 1, 670, 000
= $ 200, 400
Then find the contribution margin :
= Selling price per unit - Variable cost
= 37 - 29
= $ 8
The number of units that the South division of Manhattan products Inc. , is :
= (Average fixed costs + ROI ) / Contribution margin
= ( 297, 000 + 200, 400 ) / 8
= 62, 175 units
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upward communication gives employees a chance to air grievances, report progress and provide feedback on management initiatives. a. true b. false
In upward communication employees can communicate directly with upper management to provide feedback, complaints, or suggestions about the company's day-to-day operations, so the given statement is true.
What is upward communication?Meetings at work are an example of upward communication because they allow upper management and lower-level employees to interact in person.Upward communication is the process by which employees communicate directly with upper management in order to provide feedback, share ideas, and raise concerns about their day-to-day work. Historically, downward communication was regarded as the most important type of workplace communication.Upward communication keeps managers informed about how their employees feel about their jobs, policies and procedures, and the company in general. It includes methods such as employee feedback, which aids in the development of mutual trust and assists the organization in determining, implementing, or deciding on new policies.The communication methods available to lower-level employees can impede upward communication.To learn more about upward communication refer to :
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which of the following is the best example of a negative externality? group of answer choices an increase in the price of oil due to the imposition of environmental regulations. an increase in the price of oil due to action taken by the organization of petroleum exporting countries (opec). a decline in oil stock prices as a result of bad management. oil leakage from drilling platforms in the gulf mexico. declining restrictions of the importation of foreign-made cars.
Oil leakage from drilling platforms in the gulf Mexico is the best example of a negative externality. Thus, the correct answer is option D.
What is a negative externality?When a third party incurs expenses as a result of the creation or consumption of a good, this is known as a negative externality. Negative externalities are frequently shown by instances of air and noise pollution.
Negative externalities occur when the consumption or production of a good causes a harmful effect on a third party. Oil leakage from drilling platforms in the Gulf of Mexico is damaging the marine ecosystem and also causing water pollution.
Thus, oil leakage is the best example of negative externality.
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early in a period in which sales were increasing at a modest rate and plan expansion and start-up costs were occurring at a rapid rate, a successful business would likely experience:
Plan development and start-up costs,a cosmological term that refers to a short period in the early cosmos when space-time rapidly and invisibly extended.
How does quick payment operate?The majority of people are eligible as it is a financial instrument, and only an identify check is required. It involves getting and using money simple and convenient.
What is rapid on demand payment?Employees are free to use their regular pay anyway they see fitting on demand. For collected paychecks, there are convenient delivery options that range from immediately to two days. When and how employees are paid is down to them.
Complete question:Early in a period in which sales were increasing at a modest rate and plan expansion and start-up costs were occurring at a rapid rate, a successful business would likely experience: increased profits and no change in financing requirements,decreased profits and increased financing requirements because of an increasing cash shortage,decreased profits and decreased financing requirements because of an increasing cash surplus,increased profits and increased financing requirements because of an increasing cash shortage.
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in year 0, longworth partnership purchased a machine for $40,000 to use in its business. in year 3, longworth sold the machine for $35,000. between the date of the purchase and the date of the sale, longworth depreciated the machine by $22,000. note: loss amounts should be indicated by a minus sign. leave no answer blank. enter zero if applicable. a. what are the amount and character of the gain or loss longworth will recognize on the sale?
Adjusted basis=Purchase price−Accumulated depreciation=$40000-$22000=$18000.
What is purchase price?Assume, for example, an investor buys 100 shares of Ford common stock on three different dates over a five-year period, including 100 shares purchased at a market price of $40, $60 and $80 per share. To determine the cost basis of the purchases, the investor needs to calculate the weighted average cost, which is the total dollar amount of the purchases divided by the number of shares purchased.At 100 shares each, the dollar amounts of Ford stock purchases are $4,000, $6,000, and $8,000, or a total of $18,000, and the purchase total is divided by 300 shares to equal $60 per share. If the investor adds to the stock position, they can calculate a new weighted average price by adding the dollar amount of the new purchases and the additional shares to the calculation.To learn more about shares refer to:
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alexander's athletic apparel has 1,100 shares of 5%, $100 par value preferred stock the company issued at the beginning of 2023. all remaining shares are common stock. the company was not able to pay dividends in 2023, but plans to pay dividends of $13,000 in 2024. required: 1. & 2. how much of the $13,000 dividend will be paid to preferred stockholders and how much will be paid to common stockholders in 2024, assuming the preferred stock is cumulative? what if the preferred stock were noncumulative?
a) If the preferred stock is cumulative, the dividends for 2024 paid to preferred and common stockholders are:
Preferred - $11,000Common - $2,000.b) If the preferred stock is noncumulative, the dividends for 2024 paid to preferred and common stockholders are:
Preferred - $5,500Common - $7,500.What are cumulative and noncumulative preferred dividends?Cumulative preferred stock attracts cumulative dividends. Any year when dividends are not declared, the dividends payable account records a liability that must be paid in any year when sufficient dividends are declared.
For noncumulative preferred stock, dividends are not accumulated or paid to preferred stockholders when dividends are not declared.
1,100 shares of 5% Preferred stock at $100 par value = $110,000 (1,100 x $100)
Dividends declared in 2024 = $13,000
Annual Preferred stock dividends = $5,500 ($110,000 x 5%)
Dividends for preferred stockholders in 2024 if preferred stock is cumulative = $11,000 ($5,500 x 2)
Common stock dividends = $2,000 ($13,000 - $11,000)
Dividends for preferred stockholders in 2024 if preferred stock is noncumulative = $5,500
Common stock dividends = $7,500 ($13,000 - $5,500)
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cody organized, owns, and operates cypress tours in the simplest form of business organization. this is
Cody organized, owns, and operates cypress tours in the simplest form of business organization. this is a sole proprietorship
Who is a sole proprietor?A sole proprietor is a person who operates an unincorporated business by themselves. However, if a domestic limited liability company (LLC) is treated as a corporation and you are its only member, you are not regarded as the firm's sole owner.
A sole proprietorship, sometimes referred to as a sole trader or a proprietorship, is an unincorporated business with just one owner who is accountable for paying personal income tax on the organization's profits. Many single proprietors conduct their business using their own names because it is not mandatory to register a unique business or trade name.
A sole proprietorship is the most simple sort of business to start or end because there is no government regulation. Sole owners, consultants, and other independent contractors typically run these kinds of businesses. Most small businesses start out as sole proprietorships, expand, and eventually change to a corporation or limited liability entity.
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your personal opinion is that a security has an expected rate of return of 0.11. it has a beta of 1.5. the risk-free rate is 0.05 and the market expected rate of return is 0.09. according to the capital asset pricing model, this security is: group of answer choices underpriced. overpriced. fairly priced. cannot be determined from data provided.
The security, given the capital asset pricing model, and the market expected return, is c. fairly priced.
How to find the expected return?When using the capital asset pricing model, the expected return can be found by the formula:
= Risk free rate + Beta x ( Market return - Risk free rate )
= 0. 05 + 1. 5 x ( 0. 09 - 0. 05 )
= 0. 05 + 0. 06
= 0. 11
This means that the security is fairly priced because the expected rate of return matches the result from the capital asset pricing model.
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a company had $56 missing from petty cash that was not accounted for by petty cash receipts. the correct procedure is to:
Answer:
Debit cash over and short for $56
Explanation:
a popular technology company just released a new smartphone that it believes will revolutionize the industry. after the product announcement, marketers set up automatic news and social media alerts to find out what people are saying about the new product. this is an example of
A popular technology company just released a new smartphone marketers set up automatic news and social media alerts to find out what people are saying about the new product. this is an example of buzz marketing.
The buzz marketing is the surprise or viral type of advertising method about the new product. The buzz marketing creates viral excitement between peoples.
The company believes will revolutionize the industry. after the product announcement, marketers set up automatic news and social media alerts to find out what people are saying about the new product.
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a fisherman on the island of fiji manages to feed his family and provide the basic necessities for them. by selling fish in the local market, he also is able to earn cash that allows him to buy modern cooking implements and utensils for his wife. this fisherman can be said to have achieved:
A fisherman on the island of Fiji manages to feed his circle of relatives and offers simple requirements for them. via selling fish inside the nearby marketplace, he also is capable of earning cash that allows him to buy modern-day cooking implements and utensils for his spouse. This fisherman can be stated to have completed: subsistence affluence.
Profits are the income generated through an enterprise. they're derived by means of subtracting the price of goods offered, working expenses, and taxes from revenue. The generation of earnings is a key riding force in the back of the formation and subsequent operation of a business. income can then be used to pay dividends to shareholders.
Profits and income are regularly used interchangeably, however, they may be exceptional. standard, those terms are usually differentiated by means of the adjectives that precede them. for instance, internet income, or gross earnings. The time period profits is the maximum normally used while discussing the bottom line of a corporation's earnings declaration. income is the amount of money you make from doing a task. you may be plenty extra enthusiastic about babysitting whilst you study your income could be extra than beneficiant.
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you open a new window and pull that up. you put $2,000 into an account with apr of 4%. which compound interval will yield the most money?
The math for compound interest is simple: Principal x interest = new balance. Which is $4,871.
What is compound interval?Any interval longer than an octave is referred to as a compound interval. Nineteenth, tenth, eleventh, twelfth, and so on are the names of compound intervals. They can be compared to simple intervals, which are their counterparts an octave below. Interest is added to your account more frequently than once a year in the real world. For instance, a checking account with 5% yearly interest may generate interest daily. As a result, interest is deposited into your account at a rate of 1/365 of 5% per day. A compound interval is any interval that is greater than an octave (8va); simple intervals are intervals that are less than an octave. Any compound interval, which most often occurs in musical situations, can be converted into a simple interval.
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the jackson group decides that the best way to get around the exorbitant tariff barriers it encounters when shipping products to malaysia is to build a factory there, with the same standards as the home factory, and allow that factory to serve the malaysian market. what type of factory is the jackson group going to build?
Jackson group has decided to build the server factory.
What is server factory?A server factory is a manufacturing facility that serves specific national or regional markets. A contributor factory serves a local market while also taking on product customization, process improvements, product modifications, or product development.The server factory is located in a location with advanced suppliers, competitors, and research and knowledge centers to provide proper knowledge about anything new.The outpost factory is another type of factory that is closely related to the concept of deciding which countries to operate in based on strategic value rather than a location's ability to produce goods. Maintaining and possibly improving the global company's position in key countries is sometimes regarded as a practical consideration.To learn more about server factory refer to :
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suppose the exchange rate between canada and the united kingdom is equal to 1.80 canadian dollars (cad) required to buy 1 british pound. calculate the missing prices assuming that purchasing power parity (ppp) holds.
Hedging currency exposure is one technique for taking currency risk out of the equation when investing in foreign companies.
Why is it vital to understand exchange rates?A currency's exchange rate is the cost at which two different currencies can be converted between two different countries or economic regions. It is used to calculate the value of different currencies in relation to one another and is crucial in figuring out how trade and capital flows operate.
In plain English, what is real exchange rate?The real rate informs us how much more or less products and services can be purchased overseas (after being converted into a foreign currency) for a specific amount. In actuality, the real exchange rate's fluctuations matter more than its absolute value.
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modern technology has made it possible for individuals who work in traditionally urban jobs, such as stockbrokers, to live in rural areas. what concept is this an example of?
This illustration demonstrates the idea of counterurbanization, which is the movement of people form urban to rural areas.
Which four migration types are there?Moving within just a state, nation, or continent is referred to as internal migration. migrating to a new state, nation, or continent is known as external migration. Influx of refugees is the acts of relocating to another country. Immigrating to another country.
Which migration examples come to mind?For instance, salmon are produced in rivers and migrate to the sea to reproduce and develop.They return to the rivers where they were born to spawn after spending five to 10 years in the ocean. Gecarcoidea natalis red crabs from Christmas Island migrate for comparable reasons.
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which best explains the purpose of a demand schedule? responses calculate how much of a good consumers will use calculate how much of a good consumers will use indicate how supply and demand relate to price indicate how supply and demand relate to price show the level of demand at various prices show the level of demand at various prices demonstrate how supply affects demand
The purpose of a demanding schedule show the level of demand at various prices.
What is demand schedule?The most typical demand schedule is divided into two columns. Prices for goods are listed in ascending or decreasing order in the first column. The second column lists the amount of the commodity required or desired at that pricing. Pricing is determined after extensive market research.
When the demand schedule data is graphed to produce the demand curve, it gives a visual depiction of the price-demand relationship, allowing for straightforward computation of demand for a product or service at any point along the curve.
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