Advanced Debtor–Creditor Relations and Secured Transactions :
1.Suppose you are buying a house and a bank is lending you the money for the purchase. In finalizing the loan, the bank will require you to sign a mortgage/deed of trust, as well as a:

a)writ of execution.

b)writ of attachment.

c)promissory note.

d)security agreement.

The first step in researching a small business in your neighborhood is to find a suitable nearby manufacturing company.

Once you do, contact the manager or owner to arrange an interview. Gather general information during the interview, such as the name of the company or business, what types of products or services they provide, the interviewer's position, and the time and date of the interview.

Then, focus on the detrimental effects different situations can have on the company. Briefly describe the impact on business of informational gaps, price discrimination, immobility of production variables (with a focus on physical capital), and structural changes.

Interview three to four locals who live close to the establishment you just visited. Ask them to list two unfavorable and two beneficial externalities brought about by the neighborhood business. Ask them to add two properties of public goods to the list as well.

Finally, use the data from the interviews to create graphs showing the positive and negative externalities of business on society. These infographics will graphically describe the costs and benefits that the company's neighborhood has.

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The second most effective response is, Jim decides to set the house in order. He informs his director with a status report detailing the issues, informs him that he would be talking with the client to discuss the deadlines, and needs to sit with the team to review and resolve the issues to the extent possible before the next scheduled delivery. Option a is correct.

The second most effective response would be option (a). Jim needs to communicate with the director about the situation and then address the issues with the team and client. It is important to set realistic expectations and ensure that everyone is on the same page. Ignoring the problems and pressing forward (option b) could result in further burnout and even more problems down the line.

Walking away from the project (option c) is not a good option either, as it does not address the current situation and could harm Jim's professional reputation. It is important to take responsibility and make an effort to improve the situation to the best of Jim's ability. Option a is correct.

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IRR of a project can never be zero and IRR is the rate required to get an NPV of zero for a series of cash flows.

What is IRR?

One way to determine the rate of return on an investment is to use the internal rate of return. The computation does not take into account external variables like the risk-free rate, inflation, the cost of capital, or financial risk, hence the name "internal." Ex-post or ex-ante applications of the approach are both possible.

A set of cash flows that happen at various dates are considered to have a net present value or net present worth. The amount of time between now and a cash flow determines the present value of that cash flow. The discount rate is another factor. NPV takes time value of money into account.

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Answer:

[Your Name]

[Your Position]

[Date]

Subject: Insights from our Survey - A Window into the Lives of our Valued Customers

Dear [CEO's Name],

I hope this message finds you well. I wanted to take a moment to share some fascinating insights from the recent survey we conducted among our cherished customer base. To make the data more relatable and easier to grasp, I have transformed the findings into a series of engaging visualizations. These visuals not only bring the data to life but also allow us to truly connect with our customers on a human level. Let's dive into the story behind each visualization and explore why these visual representations are crucial in understanding our customers.

Chart 1: Income Categories - Reflecting the Lives of our Customers

This insightful chart provides a glimpse into the diverse income categories of our survey respondents. As you observe the bars rise and fall, you can visualize the financial landscapes our customers navigate. From the bustling middle-income group, representing 29% of respondents, to the resilient individuals in the $75,000 to $99,999 range, accounting for 21% of participants, we gain an intimate understanding of the financial tapestry that influences their decisions.

By presenting this information in such a humanized manner, we can empathize with the varying needs and aspirations of our customers. This visualization guides us in tailoring our products and services to better address the unique challenges and aspirations of each income segment.

Chart 2: Gender Distribution - Celebrating Diversity and Inclusion

This delightful pie chart celebrates the diversity among our survey participants by highlighting their gender identities. As you glance at the vibrant slices, you witness the vibrant mosaic of our customer base. With 54% of respondents identifying as female and 46% as male, we recognize the importance of inclusivity and strive to ensure our products and services cater to the needs and desires of all genders.

Visualizations like this one allow us to see the human faces behind the data. It reminds us to embrace diversity and equality in our business operations, ensuring that every customer feels heard and valued.

Chart 3: Question Responses - Unveiling Our Customers' Voices

Within this insightful bar chart, we uncover the authentic voices of our customers through their responses to a specific question. The bars rise and fall, revealing the choices they made and their preferences. The most popular response, "5," chosen by 28% of participants, demonstrates the collective sentiment that echoes among our customers. As we observe the varying heights of each bar, we gain a deeper understanding of their thoughts and desires.

Visualizations like this empower us to hear our customers' voices loud and clear. By listening attentively to their responses, we can make informed decisions that resonate with their needs, aspirations, and desires.

In summary, these captivating visualizations humanize our survey data, enabling us to truly connect with our customers and gain invaluable insights. By considering the stories behind each chart, we ensure that our strategies, products, and services align with their lived experiences. Together, we can build lasting relationships, foster inclusivity, and deliver the exceptional experiences our customers deserve.

Thank you for your time and attention. Should you have any questions or require further information, please don't hesitate to reach out.

Warm regards,

[Your Name]

[Your Position]

Explanation:

La comunicación desempeña un papel fundamental en el funcionamiento de una organización, ya que permite la transmisión de información, ideas, instrucciones y retroalimentación entre los miembros del equipo. Existen varias formas de comunicación que se utilizan en un entorno organizacional. A continuación, describiré algunas de las formas más comunes:

Comunicación verbal: Es el uso de palabras habladas para transmitir información. Puede ser en forma de reuniones, conversaciones cara a cara, llamadas telefónicas o videoconferencias. La comunicación verbal es rápida y permite una interacción directa entre las personas, lo que facilita la clarificación de dudas y la resolución de problemas en tiempo real. Por ejemplo, durante una reunión de equipo, los miembros pueden discutir ideas, compartir actualizaciones y tomar decisiones conjuntas.

Comunicación escrita: Implica el uso de palabras escritas para transmitir información. Esto incluye correos electrónicos, mensajes de texto, informes, memorandos y documentos formales. La comunicación escrita es útil cuando se requiere un registro permanente de la información y proporciona la oportunidad de revisar y editar antes de enviar el mensaje. Por ejemplo, un gerente puede enviar un correo electrónico detallando las metas y objetivos del proyecto a su equipo para asegurarse de que todos estén al tanto de las expectativas.

Comunicación no verbal: Se refiere a la transmisión de información sin el uso de palabras. Incluye gestos, expresiones faciales, lenguaje corporal y tono de voz. A menudo, la comunicación no verbal puede transmitir emociones y actitudes que pueden complementar o contradecir el mensaje verbal. Por ejemplo, durante una presentación, el lenguaje corporal de un orador puede transmitir confianza y entusiasmo, lo que refuerza su mensaje.

Comunicación formal: Se lleva a cabo a través de canales oficiales y estructurados dentro de la organización. Esto incluye comunicaciones descendentes, como anuncios y políticas de la gerencia hacia los empleados, así como comunicaciones ascendentes, como informes de estado y retroalimentación de los empleados hacia los superiores. La comunicación formal es importante para establecer líneas claras de autoridad y responsabilidad, así como para garantizar la coherencia en la información transmitida.

Comunicación informal: Se produce a través de interacciones sociales no estructuradas entre los miembros de la organización. Esto puede incluir conversaciones informales en el lugar de trabajo, interacciones en las pausas para el café o discusiones en grupos de chat en línea. La comunicación informal es valiosa para fomentar la camaradería, construir relaciones y facilitar el intercambio de ideas no convencionales. Por ejemplo, en un entorno de trabajo abierto, los empleados pueden compartir ideas innovadoras durante una conversación informal en la sala de descanso.

La importancia de estas formas de comunicación en una organización radica en que permiten la colaboración efectiva, la toma de decisiones informada, la resolución de problemas, la coordinación de tareas y la creación de un ambiente de trabajo positivo. Una comunicación clara y efectiva evita malentendidos, reduce los errores, mejora la productividad y fortalece la cohesión del equipo.

Un ejemplo práctico podría ser una empresa de desarrollo de software. En este caso, la comunicación verbal sería esencial para que los miembros del equipo discutan los requisitos del proyecto, compartan actualizaciones diarias y resuelvan problemas en las reuniones diarias de puesta al día (stand-up meetings). La comunicación escrita sería crucial para documentar los requisitos, especificaciones técnicas y cronogramas del proyecto, así como para enviar correos electrónicos y mensajes de chat con actualizaciones y solicitudes de retroalimentación. La comunicación no verbal también tendría un papel importante, ya que el lenguaje corporal y las expresiones faciales en las reuniones ayudarían a transmitir confianza y apoyo entre los miembros del equipo. En cuanto a la comunicación formal, se utilizarían informes de estado y presentaciones formales para mantener a la alta dirección informada sobre el progreso del proyecto. Por último, la comunicación informal se daría en momentos de descanso, donde los empleados podrían discutir ideas, plantear desafíos y fomentar la creatividad en un ambiente más relajado

Answer:

There are several different forms of communication that are important in an organization. These include:

1. Verbal communication: This is the use of spoken words to convey a message. Verbal communication is important in an organization because it allows employees to communicate with each other and with customers. For example, a salesperson might use verbal communication to explain the features of a product to a customer. Another example is a team meeting where employees discuss project updates and share ideas.

2. Nonverbal communication: This is the use of body language, gestures, and facial expressions to convey a message. Nonverbal communication is important in an organization because it can convey emotions, attitudes, and intentions. For example, a manager might use nonverbal communication to show approval or disapproval of an employee's performance. Another example is a job interview where the interviewer might use nonverbal communication to assess the candidate's confidence and professionalism.

3. Written communication: This is the use of written words to convey a message. Written communication is important in an organization because it provides a permanent record of communication. For example, an email can be used to communicate project updates, deadlines, and other important information. Another example is a report that summarizes the results of a project.

4. Visual communication: This is the use of images, graphs, and other visual aids to convey a message. Visual communication is important in an organization because it can help to simplify complex information and make it easier to understand. For example, a chart can be used to show sales trends over time. Another example is a video that demonstrates how to use a product.

All of these forms of communication are important in an organization because they allow employees to share information, ideas, and feedback. Effective communication can also help to build trust and relationships between employees, customers, and partners. For example, if a customer has a positive experience with a salesperson, they are more likely to return to the organization in the future.

A practical example of the importance of communication in an organization is a team project. Effective communication is essential for the success of the project. Team members need to be able to communicate their ideas, concerns, and progress to each other in order to stay on track and meet deadlines. This might involve verbal communication in team meetings, written communication in project reports, and visual communication in presentations. Without effective communication, the project is likely to fail.

In active writing, there are four different types of sentences: simple, compound, complex, and compound-complex.

A simple sentence consists of one independent clause and expresses a single idea. This type of sentence is commonly found in concise writing and can be useful for emphasizing a main point.

A compound sentence consists of two or more independent clauses, joined by a coordinating conjunction such as "and" or "but." This type of sentence is useful for showing relationships between ideas and can help the writer connect different ideas cohesively.

A complex sentence consists of an independent clause and at least one dependent clause. The dependent clause cannot stand alone as a complete sentence. This type of sentence emphasizes a subordinate idea to the main idea.

A compound-complex sentence consists of two or more independent clauses and at least one dependent clause. This type of sentence combines the features of the compound and complex sentence structures.

In general, the different sentence structures allow writers to convey a wide range of ideas and connect them in various ways. Each one has its advantages, and writers can use them strategically to create a clear and effective communication of their ideas.

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The use of satellite night-light data as a method to evaluate economic growth has both strengths and limitations. Reasons for Differences between Traditional Expenditure Approach and Night-light Data: Informal Economy, Data Limitations, Urbanization Bias and Structural Changes.

Here is an evaluation of the night-light data method and several reasons for the differences observed between the traditional expenditure approach and the night-light data:

Evaluation of the Night-light Data Method:

Reasons for Differences between Traditional Expenditure Approach and Night-light Data:

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Answer:

Tipos de diversificación empresarial

Explanation:

°Inversión propia. Constituye la fórmula de diversificación más seguida, puesto que supone echar mano de los recursos propios a la hora de intentar conquistar nuevos espacios productivos y clientes.

°Adquisición total o parcial de una empresa.

°Diversificación relacionada.

°Diversificación no relacionada.

Answer:

To calculate the tax revenue collected from the four skiers, we need to determine the number of skiers who continue to go skiing after the tax is imposed and then multiply it by the amount of tax per skier.

The skiers who will continue skiing after the tax is imposed are those who value the ski trip higher than the increased price of the ski pass.

Given the values of the skiers for the weekend ski trip, we can see that Anna ($150) and Brian ($90) will still choose to go skiing even with the increased price. Clem ($75) and Dave ($50), on the other hand, will not go skiing due to the increased price.

Therefore, the tax revenue collected will be the tax per skier multiplied by the number of skiers who continue to ski. In this case, the tax per skier is $12, and the number of skiers who continue to ski is 2 (Anna and Brian).

Tax revenue = Tax per skier * Number of skiers who continue to ski

= $12 * 2

= $24

Therefore, the correct answer is not provided among the options given. The tax revenue collected from these four skiers is $24.

Pick n Pay's proposed strategy, known as Ekuseni, aims to implement changes in their brand and take the fight to competitors. The strategy, conceived in September last year, focuses on strategic planning and was launched recently. While the strategy holds potential for success, there are risks associated with its implementation.

1. Pick n Pay's proposed strategy, called Ekuseni, includes changes to their brand and a competitive approach to rivals. This strategic plan was conceived in September last year, with the term Ekuseni referring to "dawn" in Zulu.

2. The strategy aims to revamp the brand image and position Pick n Pay as a strong competitor in the market. By taking the fight to competitors, the company intends to gain a competitive edge and attract more customers.

3. The launch of the new strategic plan indicates that Pick n Pay is committed to implementing this strategy and achieving its goals. It demonstrates the company's intention to adapt and stay relevant in the evolving market.

4. However, like any strategic plan, there are potential risks associated with its implementation. These risks include customer resistance to changes in the brand, increased competition from rivals, and potential financial strains due to the cost of rebranding and marketing efforts.

5. Customer resistance is a common risk when brands undergo significant changes. If the proposed strategy doesn't resonate with Pick n Pay's target market, it could lead to a decline in customer loyalty and affect sales.

6. Additionally, taking the fight to competitors may trigger retaliatory actions from rival companies. This could result in intensified competition, price wars, and potential market share loss for Pick n Pay.

7. Finally, implementing a new strategic plan involves financial investments. The cost of rebranding, marketing campaigns, and operational changes may strain the company's resources, potentially impacting its financial stability.

In conclusion, while Pick n Pay's proposed strategy holds promise for the company's growth and competitiveness, there are risks involved. Proper planning, market research, and effective execution will be crucial to mitigating these risks and ensuring the success of the strategy.

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Answer:

No there is no breach of contract since the retailer should have mentioned that stock is limited.

Explanation:

The retailer should have mentioned with the advertisement that the stock is limited. If such is the case then there is no breach as it is up to the store how many units it has kept for sale. The store should be opened on Black Friday and those customers who grab the sale items first will be given the discounted products. It is not responsibility of the store to entertain every customer as the stock in the store is limited.

The reason that trade restrictions are so popular is that  d. the immediate benefits are highly visible, while the secondary effects of lost jobs in other industries are less visible.

When restrictions are first imposed, those it benefits feel the impact relatively quickly. This is why politicians love to impose such restrictions to gain popularity. They don't take into account the jobs that trade brings which will be lost thanks to those restrictions.

In conclusion, option D is correct.

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Answer:

The six (6) phases of the communication process are:

Hope that this helps :)

The shareholder's basis, the fair market value, and the built-in gain (loss) of each property are 75000

A $300,000 carryover basis serves as Martin's basis in Property 1.

Martin has a stepped-down basis in Property 2 of $475,000.

Workings:

Martin's basis in Property 2 is 525,000 less 50,000, which is 475,000.

b. Martin has a recognised loss of $75,000 and a $125,000 realised loss.

Workings:

Realized loss is calculated as follows: 350000 - 475000 (Distribution value FMV - Stepped down basis) = 125000

Acquired value FMV - Stepped down basis = 400000 - 475000 = Recognized loss = 75000

Given that the shareholding is less than 50%, the distribution is not a related party transaction, and the related party limitation is therefore not applicable.

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Answer:

c

Explanation:

Internal rate of return is the discount rate that equates the after-tax cash flows from an investment to the amount invested

The IRR would give conflicting answers in this case because a stream of positive cash flows is followed by negative cash flow

IRR can only be used when a negative cash flow is followed by positive cash flows

In this question there are two negative cash flows in year 0 and year 3

The compressed spring's lowest potential energy stored was 0.0625 J.

The conservation of energy principle, which asserts that the total energy of a system remains constant if no external work is done on the system, may be used to estimate the lowest amount of potential energy contained in the compressed spring. The potential energy held in the compressed spring is transferred into kinetic energy of the ball as it is propelled in this scenario.

The ball's kinetic energy may be estimated using the following formula:

KE = (1/2) * m * v^2

where m is the mass of the ball (0.005 kg) and v is the initial horizontal speed of the ball (5.00 m/s). Substituting these values, we get:

KE = (1/2) * 0.005 kg * (5.00 m/s)^2

= 0.0625 J

Therefore, the minimum amount of potential energy stored in the compressed spring is equal to the kinetic energy of the ball, which is 0.0625 J.

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It can be deduced that when business leaders serve the interests of stockholders, the theory of ethical relativism is illustrated.

Ethical relativism simply means the theory that states that morality is important to the norms of a culture.

It states that states that the primary obligation of business leaders is to serve the interests of stockholders by maximizing profits.

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Answer:

This is line 1

Explanation:

The function would read the first line of the file. To read all the lines, you need to make a for loop and then print every line in the file.

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Given that a company is using a product structure then the outcome which can be predicted is C. Shared services will spot the duplicated effort.

Product structure is a hierarchical corruption of a product, generally known as the bill of accouterments. As business becomes more responsive to unique consumer tastes and secondary products grow to meet the unique configurations, BOM operation can come ungovernable.

Product structure is an illustration of how the corridor of a product fit together and interrelate with one another; generally arranged in situations of detail according to the structure. It delivers a hierarchical sorting of the particulars forming a product. For illustration, if a company has a bakery division and apparel division, each of those product-grounded divisions will have its own deals department, marketing department, manufacturing department and other functional groups.

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Answer and Explanation:

The computation is given below:

As we know that

The Variable cost per unit is

= (Highest activity cost- Lowest activity cost) ÷ (Highest activity units- Lowest activity units)

Particulars              Total Cost Units

Highest units       111,250.00        5,475.00

Lowest units         6,250.00 225.00

Difference       105,000.00 5,250.00

Variable cost per unit                 20.00  

Now

Fixed cost= Highest activity cost- (Highest units × Variable cost per unit)

= $111,250 - (5475 × 20)

=  $1,750.00

Answer:

South Korea

Explanation:

That is because south korea has low inflation rate.

Yes, the choice properly adjusts the temporal value of money and risk.

A reasonable acquisition cost for Spotify from Heardle would be $9 billion.

The decision does indeed reveal whether it adds value to the company.

After playing Heardle, Spotify benefits from listening to the entire song.

It was wise to make the purchase. One of the biggest software firms in the world, Microsoft has a lot of resources at its disposal to offer technological web solutions.

When making purchases and signing contracts for sums under $10,000, state agencies are permitted to use the fair and reasonable acquisition method. The F&R acquisition method does not demand an NCB.

It is necessary to examine the pricing and establish whether it is fair and reasonable when using this reasonable acquisition method. To do this, choose one of the methods listed in the section below on how to determine fair and reasonable acquisition. Buyers must base their comparisons on identical circumstances or those with minute variances that have no bearing on pricing when determining fair and acceptable pricing using price comparisons, catalog/market prices, and/or historical pricing.

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Yes, the choice properly adjusts the temporal value of money and risk.

A reasonable acquisition cost for Spotify from Heardle would be $9 billion.

The decision does indeed reveal whether it adds value to the company.

After playing Heardle, Spotify benefits from listening to the entire song.

It was wise to make the purchase. One of the biggest software firms in the world, Microsoft has a lot of resources at its disposal to offer technological web solutions.

When making purchases and signing contracts for sums under $10,000, state agencies are permitted to use the fair and reasonable acquisition method. The F&R acquisition method does not demand an NCB.

It is necessary to examine the pricing and establish whether it is fair and reasonable when using this reasonable acquisition method. To do this, choose one of the methods listed in the section below on how to determine fair and reasonable acquisition. Buyers must base their comparisons on identical circumstances or those with minute variances that have no bearing on pricing when determining fair and acceptable pricing using price comparisons, catalog/market prices, and/or historical pricing.

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Answer:

$1,800

Explanation:

The price of the bond today is the present value of future cash flows, which are the coupon payments and the face value receivable by bondholders at redemption in 3 years.

When a bond has the same coupon rate as the yield, the bond would sell at par which is the $1,800 par value.

This is further affirmed using the formula below:

bond price=face value/(1+r)^n+annual coupon*(1-(1+r)^-n/r

face value=$1,800

r=yield=5%

n=number of annual coupons in 3 years=3

annual coupon=face value*coupon rate=$1800*5%=$90

bond price=$1800/(1+5%)^3+$90*(1-(1+5%)^-3/5%

bond price=$1800/1.05^3+$90*(1-(1.05)^-3/0.05

bond price=$1800/1.157625+$90*(1-0.863838)/0.05

bond price=$1800/1.157625+$90*0.136162/0.05

bond price=$ 1,554.91  +$ 245.09  

bond price=$ 1,800.00  

Answer:

A

Explanation:

Only one that makes sense.

Monthly customer interaction is necessary for those in finance and financial planning. As a result, choice (A) is right.

According to common use, a financial planning is a thorough assessment of a person's present financial situation and anticipated future financial status that uses current known variables to forecast future earnings, asset values, and withdrawal schedules.

A budget that organizes a person's finances is frequently included in this, as well as perhaps a list of actions or precise objectives for interaction future spending and saving.

This plan divides up future income into several categories of costs, such rent or utilities, while also setting aside a portion for both short- and long-term savings.

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Labor efficiency variance = (Actual hour * Standard rate) - (Standard hour * Standard rate).

Labor efficiency variance = $404,600 F

By "efficiency of labor," we mean a worker's ability to produce more or better work, or both, over the course of a given amount of time.

1) Labor efficiency variance = (68,000 * $17) - ((30,600 * 3) * $17)

Labor efficiency variance = $1,156,000 - (91,800 * $17)

Labor efficiency variance = $404,600 F

2) Variance in direct labor worked divided by variance in labor efficiency

Variance in labor costs is $404,600 - $68,000.

Variance in labor costs = $336,600 F

3) Planned unit sold minus variable overhead equals variable manufacturing overhead cost.

Manufacturing variable overhead cost = 24,000 * $21

$504,000 is the variable manufacturing overhead cost.

4) Planned unit sold minus variable overhead equals variable manufacturing overhead cost.

Cost of variable overhead in production = 30,600 * $21

$642,600 is the variable manufacturing overhead cost.

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Answer:

Option B; Creating face-to-face interviews

Explanation:

Research has shown that face-to-face interviews tend to produce more accurate results when giving a survey. So the correct answer is option B.

Answer:

$120,000

Explanation:

The retirement benefit that Parker expects is

2% x number of years worked( 30 ) x {($200,000 +$150,000 +$250,000) /3}

=2/100 x 30 x (600,000/3)

=0.02 x 30 x $200,000

=0.6 x $200,000

=$120,000

Answer:

Tier 1 offerings  are not subject to purchase limitations and  Tier 2 offerings are subject to purchase limitations ( C )

Explanation:

purchase limitations under regulation A states that Non-accredited investors buying tier 2 offerings are subject to purchase limitations which simply means that Tier 2 offerings are subject to purchase limitations while Tier 1 offerings are not subject to purchase limitations according to purchase limitations under Regulation A .