Discuss the relationship of torts to risk management GEL 6.06: Apply research to create original insights and/or soive real-world problems You are working at eHarbour and learn that eHarbour's computer system has been attacked by a computer virus from a cybercriminal. An employee of eHarbour inadvertently opened an email with an attachment that appeared to come from the State of Florida Division of Corporations for business registration renewals. The names, addresses, phone numbers, credit card information, and other personal information of all eHarbour customers have been compromised in the data breach in your role working as a paralegal or legal assistant for eHarbour, draft a memorandum to Daniel Hudson, the eHarbour general counsel, analyzing potential civil sability for negligence under Flonda state law for the data breach in the memorandum, specifically discuss the elements for negligence and the reasonable person standard in addition, analyze any potential affermative defenses that may apply. Use the memorandum template found here MEMORANDUM Date: [today's date] To: Daniel Hudson From: [student name] Re: Potential Liability for Data Breach Introduction [Provide an introduction in this section] Liability for Negligence [Discuss potential liability for negligence under Florida law in this section. The tort of negligence occurs when someone suffers injury because of another's failure to live up to a required duty of care" (Miller, 2016, p. 81). To maintain an action for negligence, a plaintiff must establish "that the defendant owed a duty, that the defendant breached that duty, and that! this breach caused the plaintiff damages" Fla. Dep't of Corr. v. Abril, 969 So. 2d 201, 204 (Fla. 2007). Defenses [Discuss potential defenses in this section.] Conclusion ble Editing [Give a brief conclusion in 1-2 sentences.]

Simple math may be used to determine how much a corporation pays in dividends: just deduct net internal funds from annual net income.

Income from the selling of goods or services is one type of business income that is permissible. For instance, a person's fees from the normal activity of a specialty are considered business revenue. Rent payments made by a real estate investor are considered business revenue.

Profit is the sum that remains after all costs have been deducted from the revenue, to put it simply. Simply said, income is the real sum of cash a business makes.

To know more about income visit :

https://brainly.com/question/14732695

#SPJ1

Answer:

1.) Solar photovoltaic installer - a. roof of a building

2.) Ironworker - b. outdoors at great heights

3.) Construction manager - d. field office

4.) Cement Mason - c. outdoor job site

Explanation:

please correct me if I'm wrong

Answer: false (I think)

Explanation:

False. The sustainable growth rate is the maximum rate at which a company can grow without requiring any external financing, including both debt and equity financing.

However, it does not assume that the firm will raise no new debt financing. In fact, the sustainable growth rate formula takes into account the firm's retention ratio, which is the proportion of earnings that are retained and reinvested back into the company, and the return on equity, which is the amount of profit generated by each dollar of equity capital. Therefore, the sustainable growth rate can be achieved through a combination of internal financing and external financing, including debt financing if necessary.

Know more about sustainable growth rate formula  here:

https://brainly.com/question/15062567

#SPJ11

Answer:

truce

Explanation:

Here is the full question :

Next Saturday, my best friend. Sol and I will have separate acts in a citywide talent contest. But

we've just made a _____with each other that will help us from feeling jealous if one of us

wins and one loses. We've decided that if one of us wins that person will share the prize money

with the other one.

Which word BEST completes the sentence?

truce

alliance

treaty

pact

A truce is an agreement between people to stop fighting for a limited.

Sol and his best friend made an agreement that would stop them from fighting

A pact is an agreement between people

Answer:

Truce (that the correct one).

Explanation:

False. Client-side image maps do not rely on a connection to the server in order to run.

Client-side image maps are created using HTML and JavaScript, and the mapping information is embedded directly into the web page. When a user interacts with the image map, the mapping coordinates are processed locally on the client side without the need for communication with the server.

This allows for faster and more responsive user experiences, as the processing is done locally on the user's device. Client-side image maps are easier to create compared to server-side image maps, as they do not require server-side scripting or processing.

To learn more about Client-side image, visit here

https://brainly.com/question/31935979

#SPJ4

Tyrone is buying a cup of coffee at the corner coffee shop, which he does most days.

This is further explained below.

Generally, The process through which a company or other organization acquires the products or services it needs to meet its objectives is known as purchasing.

Even though there are various organizations that make an effort to provide standards for the buying process, individual firms' procedures might be quite different from one another.

A person or group is considered to be a consumer if they intend to order, do order, or use purchased goods, products, or services primarily for personal, social, family, household, and similar needs that are not directly related to entrepreneurial or business activities.

Consumers can be individuals or groups.

In conclusion, Tyrone is doing what he does almost every morning, which is going to the coffee shop on the corner and purchasing a cup of coffee.

Read more about consumers

https://brainly.com/question/13420317

#SPJ1

The correct answer is d) larger than the rewards from pursuing self-interest. In the context of the prisoner's dilemma, cooperation refers to a scenario where both parties choose to cooperate with each other for mutual benefit.

From the CEO of I'Mabigbank's perspective, the gains to be had from cooperation are larger than the rewards from pursuing self-interest. The prisoner's dilemma is characterized by a situation where each party has an incentive to betray the other for personal gain, but the best overall outcome is achieved when both parties cooperate.

In this case, the CEO recognizes that by cooperating and working together, they can achieve higher gains than if they were to solely focus on their self-interest.

To learn more about self-interest, visit here

https://brainly.com/question/30174492

#SPJ4

Smaller nations have been pushing for shortening the protection periods on patents from the current 15-20 years down to 5 years or less. The two reasons why multinational companies resist this change are so that:

A patent is a sort of intellectual property that grants the owner the legal right to prevent others from creating, using, or selling an invention for a limited time in exchange for the publication of an enabling disclosure of the invention.

A patent monopoly is the idea that you may patent an invention and own it completely for the rest of your life. In practice, however, patents rarely function in this manner.

Learn more bout Patents:
https://brainly.com/question/12882864
#SPJ1

Answer:

By far, one of the greatest benefits of breaking down literal walls in the office is increased collaboration.

Explanation:

When multiple people are working in the same space, they are more likely to share ideas and ask for input.

Answer:

B. Securities and Exchange Commission

Explanation:

The Securities and Exchange Commission is the government agency that oversees and regulates the financial market for securities: bonds and stocks.

The SEC also regulates the financial information that public companies (companies that trade stock in the open market) present to the public, by demanding the publishing of financial statements every 3 months.

A- Yes, the government was right in refusing to give Mohammed TANF benefits if he could not fulfill the community service requirement.

B- TANF, or Temporary Assistance for Needy Families, is a government program designed to provide financial assistance to low-income families. One of the key aspects of the program is that recipients are often required to participate in work-related activities, such as community service, in exchange for receiving benefits. This is to encourage self-sufficiency and promote personal responsibility. In Mohammed's case, since he was unable or unwilling to comply with the community service requirement, the government was justified in denying his application for TANF benefits.

C- In my opinion, while it is important to support those in need, it is also crucial to have specific requirements and guidelines in place for social welfare programs like TANF. These requirements ensure that recipients are actively working towards improving their situation and contributing to their community. Additionally, having such guidelines can help prevent abuse of the system and ensure that resources are directed to those who truly need them. However, it is also important to consider individual circumstances and provide assistance on a case-by-case basis, ensuring that the program is flexible enough to accommodate those in genuine need.

To know more about TANF visit-

brainly.com/question/22965403

#SPJ11

Signed in 1819 by John Quincy Adams and Luis de Onís, the Adams-Onís Treaty between the United States and Spain gave Florida to the U.S. and established the Sabine River as the border between the U.S. and New Spain. The formation of Texas was part of a global story.

To learn more about treaty refer to:

https://brainly.com/question/12369010

#SPJ4

The correct title for the Venn diagram should be

This is the pathway that has to show all the process of manufacturing and assembling the products.

This has to do with the inclusion of the workers that would help to ensure that quality standards are followed and the products meets their performance requirements.

Read more on production pathway here:

https://brainly.com/question/14953687

Answer:

D

Explanation:

Answer:

A disadvantage could be paying the bills in person, having to pay bills AND gas money.

If an annuity plan is designed so that the monthly payment is adjusted by the actual investment experience of the insurer, it is a(n)----variable annuity

What is an annuity?

An annuity is a contract between an individual and an insurance company. The annuitant agrees to pay the insurance company a single payment or a series of payments, and the insurance company agrees to pay the annuitant an income, starting immediately or at a later date, for a specified time period.

What is  variable annuity?

A variable annuity is a contract between you and an insurance company, under which the insurer agrees to make periodic pay- ments to you, beginning either immediately or at some future date.

Learn more about variable annuity:

brainly.com/question/17255472

#SPJ4

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.

Read more about net income here:

https://brainly.com/question/28390284
#SPJ1

If you are starting a new business as a sole proprietor with an EIN, you should use the same EIN if you are operating the new business under the same name and structure as the previous one.

However, if the new business has a different name or structure, you will need to obtain a new EIN for the new business. It is important to note that even if you are using the same EIN, you will need to update your business information with the IRS to reflect the changes in your business structure or ownership.

When starting a new business as a sole proprietor, you should obtain a new EIN (Employer Identification Number) for the new business. This is because each EIN is unique to a specific business entity and helps with tax administration and identification purposes. Using a separate EIN for each business ensures proper record-keeping and compliance with tax regulations.

Visit here to learn more about business  brainly.com/question/15826604

#SPJ11

The correct question is:

Highbridge Community Life Center was a community hub and resource for the Bronx community that was founded in 1979 by two Catholic nuns. Brother Ed Phalen served as the Executive Director of the center for more than two decades. When he started considering retirement, he wondered what would happen to the organization and its leadership after he left. In order to plan for his eventual departure, Brother Phalen and the board of directors began the process of _____________ to identify a replacement for him.

Answer:

Succession planning

Explanation:

Succession planning is the process by which new leaders in an organisation are identified and developed to adequately fill in the role of departing leaders.

This process is important as it prepares experienced staff to take up responsibility in cases of resignation, retirement, or death of a leader.

In the given instance Brother Ed Phalen served as the Executive Director of the center for more than two decades.

Considering his retirement he would need to get someone to take over leadership role from him.

So he and the the board of directors will need to begin a succession plan to identify his replacement

Answer:

a) The value of one bond is $837.08.

b) The total amount Tim Horton would raise if all bonds were sold is $83,708.

Explanation:

a) Calculate the value of one bond

This can be calculated as follows:

Annual coupon = Bond face value * Coupon interest rate = $1,000 * 6% = $60

Annual coupon discount factor = ((1 - (1 / (1 + r))^n) / r) .......... (1)

Where;

r = required semi-annual rate of return = required annual rate of return / number of semi-annual in a year = 8% / 2 = 0.08 / 2 = 0.04

n = number of semi-annuals = number of years * number of semi-annual in a year = 15 * 2 = 30

Substituting the values into equation (1), we have:

Semi-annual coupon discount factor = ((1-(1/(1 + 0.04))^30) / 0.04) = 17.2920333006645

Present value of coupon = ((Annual coupon / number of semi-annual in a year) * Semi-annual coupon discount factor) = (($60 / 2) * 17.2920333006645 = $528.76

Present value of the face value of the bond = Face value of the bond / (1 + r)^n = ($1,000 / (1 + 0.04)^30 = $308.32

Therefore, we have:

Bond value = Present value of coupon + Present value of the face value of the bond = $528.76 + $308.32 = $837.08

Therefore, the value of one bond is $837.08.

b) What is the total amount Tim Horton would raise if all bonds were sold?

Number of bonds expected to be sold = 100

Value of one bond = $837.08

Total amount that would be raised = Number of bonds expected to be sold * Value of one bond = 100 * $837.08 = $83,708

Therefore, the total amount Tim Horton would raise if all bonds were sold is $83,708.

The fact that the value of a firm is the combined value of the firm's projects, divisions, and entities, is known as Value Additivity.

This refers to the notion that to find the total value of something, you need to find the combined values of the individual things that comprise it.

The combined value of a firm therefore, is the various projects, divisions, and other entities that comprise that firm.

Find out more on Value Additivity at https://brainly.com/question/15004738.

#SPJ

Answer:

As an ISTP, I am characterized as a practical and logical person who enjoys solving problems and engaging in physical activities. I prefer to work independently and focus on the task at hand rather than engaging in social interactions.

My learning style is hands-on and experiential. I prefer to learn by doing rather than reading or listening to lectures. I thrive in situations where I can apply my knowledge and skills to solve real-world problems. I am good at analyzing complex situations and breaking them down into manageable parts.

When it comes to communication skills, I tend to be concise and to the point. I don't like to waste time on small talk and prefer direct communication. I am a good listener and pay attention to details. However, I may come across as aloof or detached in social situations, which can be misinterpreted by others.

As an ISTP, I have several strengths that I bring to any team or group. I am dependable, practical, and resourceful. I enjoy taking on challenges and coming up with creative solutions to problems. I am adaptable and can work in a variety of settings and situations.

However, there are also some weaknesses that I need to be aware of. I can sometimes come across as insensitive or indifferent to others' feelings, which can lead to misunderstandings and conflicts. I also have a tendency to procrastinate and avoid tasks that I find uninteresting or challenging.

To improve my communication skills, I can work on being more expressive and open with my thoughts and feelings. I can also try to be more patient and understanding with others, even if their communication styles differ from my own. To improve my learning style, I can seek out more opportunities for hands-on experience and experimentation, and try to engage with different learning materials to broaden my knowledge.

Overall, as an ISTP, I am a problem-solver who prefers practical solutions and hands-on experiences. While my communication style may come across as aloof, I am a good listener and pay attention to details. By being aware of my strengths and weaknesses, I can work to improve my skills and become a more effective member of any team or group.

Explanation:

Answer:

Less for income

Less for food

less for discretionary spending

Explanation:

Luca has prepared the budget for the month. He has included actual expenses in the budget to compare the budget with actual expenses. He has used flexed  budgeting technique to incorporate his savings and expenses. He should keep less income, less for food and less for discretionary expenses in the new budget.

Answer:

A: less for income

B: less for food

E: less for discretionary spending

Explanation:

In his new budget he needs to do less for income, less for food, and less for discretionary spending. He needs less for income because in his budget it assumes he makes 400$ a month, however this month he made 375$. He needs to cut down on food an discretionary spending because he is spending too much for the amount he makes.

Answer:

a) if the terms of trade are 4 chips for 1 pretzel, would trade be advantageous for Luxland? explain.

Yes, it is advantageous for Luxland. On its own, Luxland can only produce 1 chip for 1 pretzel, but with trade, 1 pretzel would now be equivalent to 4 chips, representing a net gain of 3 chips.

​​b) if the terms of trade are 4 chips for 1 pretzel, would trade be advantageous for Leanderland? explain.

No, trade would not be advantageous. We can see than domestically, Leanderland can produce 2 pretzels for every chip, because the graph shows that 4 chips are equivalent to 8 pretzels for this nation.

For trade to be advantageous, Leanderland should obtain at least 9 pretzels for the 4 chips.

A) The terms of trade will be advantageous for Luxland because, according to the graph, it can produce only one chip for Pretzel.

However, If it decides to trade, it would accrue a gain of 3 additional chips under the 4 chips to 1 Preztel arrangement.

B) Already, Leanderland gets 1 chip for 4 pretzels. Therefore, it will be disadvantageous for it to accept 4 chips for 1 pretzel trade arrangement. The above question seeks to highlight the comparative advantages of Leanderland and Luxland.

When an economy or country has the ability to manufacture a good or service at a lower opportunity cost than its trading partners, it is said to have a comparative advantage. In the graph above, Luxland has a comparative advantage with the production of Chips.

See the link below for more about Comparative Advantage:

https://brainly.com/question/8416743

2023 Murano's available intelligent and adjusts the Torque delivered to the wheels to help maintain cornering control. This is further explained below.

Generally, The amount of force that may cause an item to spin around an axis is referred to as the torque of the object. Torque is what causes an object to acquire rotational acceleration; just as force is what causes an item to accelerate in linear kinematics, torque is what causes an object to accelerate in circular kinematics. Torque is a vector quantity.

In conclusion, The optional intelligent system in the 2023 Murano may change the torque that is given to the wheels, which assists in maintaining cornering control.

Read more about Torque

https://brainly.com/question/6855614

#SPJ1

Answer:

The given statement is "True".

Explanation:

So the one listed above will be the right one.

High oil prices have significant impacts on both the economy and the shipping transport sector. Economically, they can lead to inflation, increased production costs, reduced consumer spending, and slower economic growth. In the shipping sector, high oil prices result in higher fuel costs, reduced profit margins, and potential disruptions in supply chains.

High oil prices have far-reaching effects on the economy. One of the most notable impacts is inflation. As transportation costs rise due to expensive fuel, businesses pass on the increased expenses to consumers through higher prices for goods and services. This reduces the purchasing power of consumers, leading to reduced consumer spending. When people spend less, businesses experience lower demand, which can result in slower economic growth. Moreover, high oil prices increase production costs for various industries. Many sectors rely heavily on oil and its byproducts, such as transportation, manufacturing, and agriculture. When oil prices surge, companies face higher expenses for raw materials, transportation, and energy, ultimately cutting into their profit margins. As a result, businesses may reduce investments, delay expansion plans, or even lay off workers, leading to potential job losses and economic instability.

In the shipping transport sector, high oil prices directly impact fuel costs, which constitute a significant portion of operating expenses. Shipping companies, including container ships, oil tankers, and bulk carriers, heavily rely on fossil fuels for propulsion. When oil prices are high, these companies face substantial increases in fuel costs, thereby reducing their profit margins. To cope with higher expenses, some shipping companies may increase shipping rates, passing the additional costs onto customers. This can affect global trade, as increased shipping costs may discourage certain trade activities and disrupt supply chains, leading to delays and potential shortages of goods.

In conclusion, high oil prices have detrimental effects on both the economy and the shipping transport sector. Economically, they contribute to inflation, increased production costs, reduced consumer spending, and slower economic growth. In the shipping sector, high oil prices result in higher fuel costs, reduced profit margins, and potential disruptions in supply chains. It is essential for governments, businesses, and consumers to be mindful of these impacts and explore alternative energy sources and efficiency measures to mitigate the negative consequences of high oil prices.

Learn more about economy here: https://brainly.com/question/32230214

#SPJ11

Answer:

Markets are competitive.

Explanation:

In the competitive market, the number of sellers competed with each other in terms of prices, quality, maximize the market share.

In the given situation, various sellers are competed with each other for meeting out the consumer demands also at the same time it offers the goods at lowest cost and highest quality so that it capture the whole market

Therefore the second option is correct

The target stock price in five years is $178.46 and the stock price today is $89.13.The target stock price in five years is $178.46.b. Stock price today.

Dividend paid= $1.33 Expected growth rate= 18% Payout ratio= 40% Benchmark PE= 21 Required return= 12%a. Target stock price in five years.

To calculate the target stock price in five years, we can use the formula for the dividend discount model:

Step1: V0 = (D1 / r - g)(1 + g),whereV0 = current stock price D1 = next year's dividend r = required return g = expected growth rate. Using the given values, we can calculate D1:D1 = 1.33 × (1 + 0.18) = $1.5744

Step 2:we can calculate the expected dividend growth rate after five years: Dividend in year 6 = 1.5744 × (1 + 0.18) = $1.86239 Dividend in year 7 = 1.86239 × (1 + 0.18) = $2.20143 Dividend in year 8 = 2.20143 × (1 + 0.18) = $2.59695 Dividend in year 9 = 2.59695 × (1 + 0.18) = $3.05564

Step 3:Dividend in year 10 = 3.05564 × (1 + 0.18) = $3.58524. The terminal stock price can be calculated using the formula: P10 = D11 / (r - g)where D11 = dividend in year 11 r = required return g = expected growth rate.

Step 4: P10 = 3.58524 / (0.12 - 0.18) = -$59.75 (This is a negative value, which is not possible.) To find a positive terminal stock price, we can adjust the expected growth rate until we get a positive result. We can start by assuming a lower expected growth rate of 15%: P10 = 3.58524 / (0.12 - 0.15) = $178.46. The target stock price in five years is $178.46.b. Stock price today.

Step 5:To calculate the stock price today, we need to discount the target stock price by the required return over the next five years:V0 = P5 / (1 + r)^5whereP5 = target stock price in five years r = required return. Substituting the given values, we get:P5 = $178.46r = 0.12V0 = 178.46 / (1 + 0.12)^5 = $89.13. The stock price today is $89.13.

for more such question on stock price

https://brainly.com/question/26128641

#SPJ11