David Bank has a corporate borrower with $974million term loans. The exposure is guaranteed I by a Corporate Guarantee with AAA rating up to $500million. Assume the risk weight for the corporate borrower is 50%; risk weight applicable to guarantor is 20%. Assume Substitution Approach is applicable. Determine the capital required if the bank has to maintain a CAR of 9%.

Mohammed Ali was a professional boxer, philanthropist, and social crusader whose passion, perseverance, and desire to be the greatest in his area motivates me.

He exemplifies self-actualization, the highest level of Maslow's Hierarchy of Needs, because he not only attained professional achievement but also used his position to promote social change and better the lives of others.

His uncompromising devotion to his ideas and tireless pursuit of greatness served as a continual reminder to never settle for mediocrity and to strive for perfection in all aspects of my life.

Abraham Maslow's Hierarchy of Needs Theory is a psychological theory that discusses how humans have a certain set of needs that must be addressed in order to achieve the ultimate goal of self-actualization.

Maslow's thesis is based on the idea that we are driven by our basic human needs. Furthermore, if some of our most basic requirements are not addressed, we may be unable to advance and meet our other needs. This may explain why we feel "stuck" or uninspired.

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Full question:

Choose a picture of a family member, a friend, or a person that you admire in business, politics, sports entertainment and other industries that motivate you to achieve your dream. Be creative wrth your answer. You can send your answer online or you can paste a picture inside.

Describe that person and based on Maslow's Hierarchy of Needs Theory explain how he/she motivates you and your desire to fulfil your dreams needs. Write your answer below.

Your total dollar return on the bond over the past year:During 2021, you earned $60 in interest (6% of $1,000), and since you bought the bond for $910, your total return was $970. Now that the bond is selling for $980, your capital gain was $70 ($980 - $910).

Your total dollar return was $970 + $70 = $1,040.Nominal Return = Total Dollar Return / Investment = $1,040 / $910 = 1.14 or 114%.If the inflation rate last year was 4 %, what was your total real rate of return on the bond?Real rate of return = (1 + nominal rate of return) / (1 + inflation rate) - 1= (1 + 1.14) / (1 + 0.04) - 1= 1.09 - 1= 0.09 or 9%.Compute the total percentage return on the ABC share.You bought a share of ABC Inc for $85, and the stock is now worth $90, giving you a capital gain of $5. You also received a dividend of $2.35. Your total return on the ABC share was $7.35 ($5 + $2.35).Your total percentage return on the ABC share = Total Return / Investment * 100% = $7.35 / $85 * 100% = 8.65%.Dividend yield = Annual Dividend / Investment * 100%= $2.35 / $85 * 100% = 2.76%.Capital gain yield = Capital Gain / Investment * 100% = $5 / $85 * 100% = 5.88%.

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The trap exerts a force of 1500 Newtons on the bear.

To calculate the force exerted by the trap, we can use Newton's second law of motion, which states that force (F) is equal to mass (m) multiplied by acceleration (a).

Given:

Mass of the bear (m) = 150 kg

Acceleration (a) = 10 m/s^2

Using the formula:

Force (F) = m * a

Substituting the values:

Force (F) = 150 kg * 10 m/s^2

Calculating the result:

Force (F) = 1500 Newtons

Therefore, the trap exerts a force of 1500 Newtons on the bear.

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It can be seen from the solutions given that Cain's net income is $24,000.

Net income = Net cash provided by operating activities - Adjustments

= $35,000 - $6,000 - $10,000 + $4,000 + $7,000 + $4,000

= $24,000

Therefore, Cain's net income is $24,000.

Here is a breakdown of the adjustments:

To determine cash flow from operations, it is necessary to include the gain on equipment sales in the net income as it is a non-cash entry.

A rise in accounts receivable implies that customers are prolonging payment of their invoices, resulting in decreased cash flow from the company's activities.

The depreciation expense is classified as a non-cash expense, hence it must be included in the calculation of cash from operations by adding it back to the net income.

A decrease in inventory indicates that the company is experiencing faster turnover of its inventory, leading to increased cash flow generated by its operations.

A rise in prepaid expenses denotes that the company is channeling more funds towards prepaid expenditures like insurance and rent, implying a reduced cash inflow from its operational activities.

A decline in the amount of wages that the company owes indicates that it is not promptly compensating its workforce. Consequently, this implies that the company's operational cash flow is reduced.

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The best reason for homebuyers to create a budget before taking out a mortgage is to : Plan how to pay off the money they have borrowed.

A mortgage is an agreement(legal) between a bank and the buyer in which the bank lends money to the buyer to purchase a house.

When a buyer takes a mortgage, the buyer agrees to pay back the money in full with an agreed interest rate, at a stipulated time.

Types of actions that can be taken with a mortgage are :

Therefore, the best reason for homebuyers to create a budget before taking out a mortgage is to plan how to pay off the money they have borrowed.

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Answer:

b

Explanation:

Answer:

Economic activity refers to a human activity related to production and consumption of goods and services for economic gain. Non-economic activity is an activity performed gladly, with the aim of providing services to others without any regard to monetary gain. Economic, i.e. to earn money.

Explanation:

Answer:

Economic activities are performed for economic motive, i.e. earning profit. Any activities involving money or the exchange of products or services are economic activities.For instance, running a small business is a great example of economic activity.

On the other hand, non-economic activities are performed due to social or psychological reason. These are those activities which do not give income in return. They also do not contribute to the flow of goods and services in the economy.

Explanation:

Pls mark as brainliest

The pro forma financial statements project the future financial performance of the company, assuming a 15% increase in sales and all other items on the balance sheet. These statements are useful in making financial decisions such as budgeting, forecasting, and investment analysis.

Pro forma financial statements are projected financial statements that indicate the expected future performance of a company. In this case, we need to create pro forma income statement and balance sheet for Wesney Corporation assuming a 15% increase in sales and all other items on the balance sheet.

The pro forma income statement can be created by multiplying each item on the income statement by 1.15 to reflect the 15% increase in sales. Thus, the projected sales, costs, and net income will be $45,310, $39,905, and $5,405 respectively.

The pro forma balance sheet can be created by multiplying each item on the balance sheet by 1.15. The projected total assets, total debt, and total equity will be $33,580, $10,810, and $22,770 respectively.

To reconcile the pro forma financial statements, we need to ensure that the balance sheet equation balances. The equation is: Assets = Liabilities + Equity. By summing up the projected total liabilities and equity, we get a total of $33,580, which is equal to the projected total assets.

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Answer:

real estate salesperson

Computer Engineer

I have to write at least 20 characters to post this.

A newcomer is uncertain about what her supervisor wants in a report. Not wanting to look bad, she asks a peer what to do. This is an example of seeking an informal information-seeking strategy.

The newcomer is seeking guidance and clarification from a peer to gain insights on what her supervisor wants in a report. This approach involves reaching out to colleagues or individuals within the same organization to gather information, advice, or opinions in an informal manner.

Seeking informal information is a common strategy when individuals are uncertain or lack clarity about a task or expectation. It allows them to tap into the knowledge and experience of others who may have encountered similar situations or have insights that can help clarify expectations.

By asking a peer, the newcomer is seeking a more comfortable and approachable source of information compared to directly approaching the supervisor.

This strategy can provide valuable guidance, perspective, and help in aligning her understanding with the supervisor's expectations, thus enabling her to produce a report that meets the desired requirements.

In conclusion, seeking informal information by asking a peer for guidance in understanding the supervisor's expectations is a practical and effective strategy for gaining clarity and avoiding potential misunderstandings.

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Explanation:

This example illustrates that the communication process can often be impacted by past experiences. In this case it is clear that Joe was preparing for his first performance appraisal as he did in his previous organization, but he was surprised because in the new company the performance appraisal process was focused on development for new promotional opportunities, not development staff as was previously done.

Therefore, communication is a process impacted by experiences, it is in the organizational environment it is a dynamic process that varies according to the objectives, structure and organizational culture.

Critical success factors (CSFs) are the key elements that are required for a company to achieve its objectives and strategic goals. These factors are considered critical because they have a significant impact on the success of the company.

Managers use CSFs and KPIs to measure the success of MIS projects in several ways. First, they use CSFs to identify the most important areas of the project that need to be focused on in order to achieve success. This helps managers to allocate resources and prioritize tasks effectively.

Next, managers use KPIs to measure the progress of the project towards achieving the CSFs. This allows them to track the performance of the project and make adjustments as needed. Additionally, managers use KPIs to evaluate the success of the project after it has been completed. This helps them to determine if the project was successful in achieving its CSFs and to identify areas for improvement in future projects.

In conclusion, critical success factors (CSFs) and key performance indicators (KPIs) are important tools that managers use to measure the success of MIS projects. CSFs help managers to identify the key elements that are required for success, while KPIs help managers to track the progress of the project towards achieving the CSFs.

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Answer:

21.51%

Explanation:

RKI instruments borrowed $4,300,000 from a private equity firm to expand its facility.

A year after the loan was repaid with a single payment of $5,225,000

Therefore the interest rate on the loan can be calculated as follows

= 5,225,000-4,300,000/4,300,000 × 100

= 925,000/4,300,000 × 100

= 0.2151 × 100

= 21.51%

Hence the interest rate of the loan is 21.51%

One last thing to remember about expected returns is that they can be either arithmetic or geometric. An arithmetic anticipated return is an estimate for a specific time, usually one year. These serve as Markowitz model inputs.

A forecast of a long-term rate of return is known as a geometric expected return. A portfolio's anticipated return (Rport) is just the weighted average of each investment's expected return. Joe will select the portfolio with the lowest risk, as determined by the portfolio's standard deviation, given that the expected return is the identical for each portfolio.

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Answer:

I think that after a job interview you should call your friend and tell them about the interview you should not celebrate because you don't know if you've gotten the job and if you call your friend they might give you hope on getting the job

Answer:

call the cops

Explanation:

First have a conversation with them and if they do not understand simply be a Karen yourself and call the cops. I am pretty sure they will know what to do because that is YOUR property (or at least your own space that you pay for).

Answer:

when the difference outweighs the cost

Account Debit Credit

Interest Expense $7,500

Bond Discount $7,500

To journalize the first interest payment and the amortization of the related bond discount, we need to consider the following information:

Bond principal: $3,500,000

Bond interest rate: 6%

Bond term: Five years

Semiannual interest payment: $105,000

Cash received from bond issuance: $3,350,000

First, let's calculate the bond discount. The bond discount is the difference between the cash received from bond issuance and the bond principal:

Bond discount = Cash received from bond issuance - Bond principal

Bond discount = $3,350,000 - $3,500,000

Bond discount = -$150,000

Since the bond discount is a contra-liability account, we will debit the bond discount and credit the bond payable to record the bond issuance:

Date: [First day of the fiscal year]

Account Debit Credit

Cash $3,350,000

Bond Discount $150,000

Bond Payable $3,500,000

Next, let's journalize the first interest payment. The interest payment is calculated as a percentage of the bond principal:

Date: [Semiannual interest payment date]

Account Debit Credit

Interest Expense $105,000

Cash $105,000

Finally, we need to record the amortization of the bond discount. Since the bond discount is amortized over the bond's term, we allocate a portion of it to each interest Account Debit Credit

Interest Expense $7,500

Bond Discount $7,500The amortization amount is calculated by dividing the bond discount by the number of interest payment periods (10 in this case):

Date: [Semiannual interest payment date]

Account Debit Credit

Interest Expense $7,500

Bond Discount $7,500

Note: The above journal entries assume that the company is using the straight-line method for amortizing the bond discount. The interest expense and bond discount amortization amounts may vary depending on the specific amortization method used by the company.

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Answer:

knowing how to play on emotions but also not make people feel like terrible human beings?

Explanation:

The exercise is about summaries. It tests your ability to summarize an article.

A summary refers to a concise statement or account or report of the key points of an event, story, or literature.

A summary is usually exclusive of details that are not necessary. It focuses on the key points.

The key points of a text are usually found in the introduction and the conclusions of the text. One must however ensure that they read through the entire text to get the true context of what is being summarized.

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Answer:

The article I read was "The World Bank slashes its forecast for global economic growth." by New York Times https://www.nytimes.com/2022/04/18/business/the-world-bank-slashes-its-forecast-for-global-economic-... . To summarize, the estimation made by The World Bank that the economy would grow at a rate of 4.1 percent was revised due to the conflict in Ukraine. The World Bank is now estimating the economy would grow 3.2 percent globally. The article then goes into the effect the conflict will have on consumers.

This topic relates to entrepreneurship because global economic growth benefits entrepreneurs because knowing the projected economic growth can allow business owners to better predict the growth they should expect to see. This is important when examining the statistics of a business because it gives a baseline of comparison to see if the business is successfully growing of if changes need to be made to ensure proper growth.

In my opinion I agree with the prediction, I can see the possible impact the conflict can have on the global growth of the economy. I believe the corrected projection of less than originally thought is appropriate considering the affect the conflict has had on consumers. The reduced stimulation of the economy caused by less consumer interaction will indeed decrease the rate at which the economy will grow.

Explanation:

n/a

Managers may be tempted to understate their sales budget to meet performance targets. the answer of this statement is true.

Accounting, often abbreviated as accountancy, is the measurement, interpretation, and communication of financial and non-financial information about economic entities like businesses and corporations.

Accounting, also known as the "language of business," is used to evaluate the outcomes of an organization's economic actions.

A variety of stakeholders, such as investors, creditors, managers, and regulators, are informed of these results. Accounting is a profession practiced by accountants.

Financial statement and accounting are generally used interchangeably.

Among the many accounting specialties are cost accounting, management accounting, tax accounting, and financial accounting.

Financial accounting, which also involves the compilation of financial statements, is the process by which financial information about a company is disclosed to outside recipients of the information, like those of investors, regulators, and suppliers.

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The best location for the new facility, using the centroid method, is at coordinates (349.7, 372.9). In order to determine the best location for a new facility to feed parts to three heavy manufacturing facilities using the centroid method, the following steps need to be taken:

Step 1: Calculate the total volume of all three plants. Peoria's volume = 4,300 parts per year Decatur's volume = 5,950 parts per year Joliet's volume = 3,050 parts per year

Total volume = 4,300 + 5,950 + 3,050 = 13,300 parts per year

Step 2: Calculate the x-coordinate and y-coordinate of the centroid using the formula below: x-coordinate = (x1v1 + x2v2 + x3v3)/total volume y-coordinate = (y1v1 + y2v2 + y3v3)/total volume. Where x1, x2, x3 are the x-coordinates of the plants, y1, y2, y3 are the y-coordinates of the plants, v1, v2, v3 are the volumes of the plants, and total volume is the sum of all three volumes. Using the formula, we get: x-coordinate = (291(4,300) + 381(5,950) + 464(3,050))/13,300 = 349.699 (rounded to 1 decimal place) y-coordinate = (299(4,300) + 473(5,950) + 178(3,050))/13,300 = 372.932 (rounded to 1 decimal place). Therefore, the best location for the new facility, using the centroid method, is at coordinates (349.7, 372.9).

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Lindsey Paradise is free to sue the sorority however her chances of a recovery in the legal system are quite slim.

Sororities:

Lindsey's rush to that sorority such that all her time was wasted is not a factor considered in her acceptance by that sorority so her prospects of recovery are quite low if she sues them.

If she can prove that discrimination happened however, she would have a good chance.

In conclusion, her prospects are slim.

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If a U.S. textbook publishing company sells texts overseas, the effect on U.S. net exports is an increase. Additionally, the effect on U.S. net capital outflow is an increase.

When a U.S. textbook publishing company sells texts overseas, it leads to an increase in U.S. net exports. Net exports represent the value of exports minus the value of imports. In this case, the company's sales of textbooks to other countries contribute positively to U.S. net exports, as it represents an export of goods.

Furthermore, this activity does not directly impact U.S. net capital outflow. Net capital outflow refers to the difference between the outflow of capital from a country and the inflow of capital into that country. The sale of textbooks by the publishing company does not involve a direct exchange of capital, but rather the exchange of goods.

Therefore, the effect is an increase in U.S. net exports and no direct impact on U.S. net capital outflow.

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Answer:

is the set of processes used to get members of an organization to work together.

Explanation:

Management can be defined as a strategic process which typically involves analyzing, planning supervising, organizing, controlling and coordination of employees and business activities in order to successfully achieve organizational goals and objectives.

Generally, there are four (4) main components associated with the management of business activities and employees, these includes planning, organizing, leading and controlling.

The managerial function of leading is the set of processes used to get members of an organization to work together. Thus, leading a team of workers working in an organization simply involves communication, motivation, inspiration, direction, guidance and support of these employees in order to enhance their level of output or production at all times.

The managerial function of leading: is a part of the planning process is the set of processes used to get members of an organization to work together, third option is correct.

In order to successfully achieve organizational goals and objectives, management is often characterized as a strategic process that involves analysis, planning, supervision, organizing, regulating, and coordinating of personnel and business operations.

The management of corporate operations and personnel generally consists of four key elements: planning, organizing, leading, and controlling.

The collection of procedures used to get team members in an organization to collaborate is known as the management function of leadership. So, managing a group of people in an organization simply entails communicating with them, inspiring them, directing them, guiding them, and supporting them so that their output or production is always at a higher level.

Thus, third option is correct.

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Answer:

Providing excellent customer service means going the extra mile in making sure a customer is happy and satisfied with a company's products or services. It also involves providing service to a customer in a timely, pleasant manner.

A cancellation and disenrollment are terms commonly used in different contexts and can have distinct meanings.

Cancellation typically refers to the act of terminating or nullifying a subscription, reservation, or agreement. It involves ending a previously established relationship or commitment. In the context of services or subscriptions, cancellation often involves stopping or discontinuing a service or membership.

For example, canceling a subscription to a streaming platform means terminating the ongoing access to its content.

Disenrollment, on the other hand, commonly pertains to the process of removing an individual or entity from membership or enrollment in a particular organization, program, or institution. It often involves revoking or terminating the affiliation or participation of a member.

Disenrollment is commonly used in contexts such as healthcare plans, insurance policies, educational programs, or membership-based organizations. For instance, disenrollment from a health insurance plan refers to the removal of an individual's coverage and benefits.

In summary, cancellation refers to the termination or nullification of a subscription or agreement, while disenrollment involves the removal or termination of membership or enrollment in a specific program or organization. The specific meaning and implications of these terms may vary depending on the context in which they are used.

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The difference between cancellation and disenrollment with Anthem or any health insurance essentially lies in who initiates the termination. Cancellation is initiated by the insurance company, usually due to reasons like non-payment or contract breach. Disenrollment is initiated by the policyholder, often during an open enrollment period.

In the context of health insurance, such as with Anthem, a cancellation and a disenrollment have slightly different implications. Cancellation typically refers to the termination of an insurance policy by the company, in accordance with the terms of the policy agreement. This could happen due to non-payment of premiums, fraud, or some other breach of contract by the policyholder.

On the other hand, disenrollment means the voluntary termination of the policy by the policyholder, who may elect to opt-out of, or disenroll from, the plan generally during an open enrollment period. Consequently, the difference lies mostly in who initiates the termination - the insurance company in the case of cancellation, whereas the policyholder initiates in the case of disenrollment.

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The statement Henry Ford paid his workers $5 a day in 1914 when the CPI was 10. Today with a price index at 177, the $5 a day is worth $88.50 is FALSE.

To determine the value of $5 in 1914 in terms of today's purchasing power, we need to adjust it for inflation using the CPI (Consumer Price Index). The CPI is a measure of the average change over time in the prices paid by urban consumers for a basket of goods and services. According to the Bureau of Labor Statistics, the CPI in 1914 was 10, while in 2021 it was 273.

To calculate the inflation-adjusted value of $5 in 1914, we can use the following formula:

(1914 CPI / 2021 CPI) x $5 = inflation-adjusted value of $5 in 1914

Plugging in the numbers, we get:

(10 / 273) x $5 = $0.18

Therefore, $5 in 1914 is equivalent to about $0.18 in 2021 dollars. This means that the $5 a day that Henry Ford paid his workers in 1914 would be worth about $177.50 today, not $88.50 as stated in the original statement.

It's worth noting that $5 a day was a relatively high wage for factory workers in 1914, and Ford's decision to pay his workers well helped him attract and retain a loyal workforce. However, the value of that wage has decreased significantly due to inflation over the past century.

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