T/F? Downloading music into a computer's random access memory, or RAM, is not copyright infringement, even if it is done without authorization.

The first credit card was the Diners Club Card, introduced in 1950. The first bank credit card was created in 1951 by the Franklin National Bank, which is located in Long Island, New York.

Before others realised how profitable credit cards were, it wasn't long before there were 60 credit card programmes operating in the United States by 1953.

It documented the capacity to repay debts and demonstrated accountability for doing so.

The major purchases from American credit history are listed below:

Your credit history is a record of both your accountability and ability to repay debt. Includes the quantity and kinds of credit accounts you've credited, the length of time your account has been open, the balance owed, the amount of credit available, whether you make on-time payments on your bills, and the number of recent credit requests. For having a good credit history, you'll get benefits like lower rates on car and house loans.

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The implementing regulations of the Gramm-Leach-Bliley Act (GLBA) are known as the Privacy Rule and the Safeguards Rule.

The Privacy Rule, also known as Regulation P, was issued by the Federal Trade Commission (FTC) to implement the privacy requirements of the GLBA. It sets forth the standards for financial institutions to protect the privacy of consumers' personal information. The Privacy Rule requires financial institutions to provide clear and accurate privacy notices to customers, outlining the types of information collected, how it is shared, and the rights of consumers to opt out of certain information-sharing practices.

The Safeguards Rule, also issued by the FTC, outlines the requirements for financial institutions to develop and implement safeguards to protect customer information. It mandates that financial institutions must have comprehensive information security programs that assess risks, detect and prevent unauthorized access to customer information, and respond to security incidents.

Together, the Privacy Rule and the Safeguards Rule provide the framework for financial institutions to protect customer privacy and ensure the security of sensitive information in accordance with the GLBA.

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Answer:

Financial managers are responsible for the financial health of an organization. They produce financial reports, direct investment activities, and develop strategies and plans for the long-term financial goals of their organization. Financial managers typically: ... Help management make financial decisions.

Holt's customer service is rooted in the firm's commitment to provide exceptional customer service by focusing on customer satisfaction and building strong relationships with customers.

Holt's commitment to customer service is based on a philosophy of putting the customer first. The company strives to provide exceptional service by focusing on customer satisfaction, building strong relationships with customers, and offering personalized solutions to meet each customer's unique needs. Holt's employees are trained to be knowledgeable, friendly, and attentive to the needs of each customer. The company also emphasizes a culture of continuous improvement, regularly soliciting feedback from customers to identify areas for improvement and implementing changes to enhance the customer experience. This commitment to exceptional customer service has helped Holt to establish a loyal customer base and maintain a strong reputation in its industry.

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(1) Intrinsic rewards, such as recognition, and extrinsic rewards, such as pay, are both important forms of motivation.

(2) One of the sciences that contributes to organizational behavior is psychology.

The benefits of intrinsic rewards include increased job satisfaction, improved self-esteem, and enhanced intrinsic motivation.

In contrast, extrinsic rewards provide tangible benefits, such as increased financial security and material well-being. Intrinsic rewards foster internal motivation and personal growth, whereas extrinsic rewards can be more effective for short-term motivation and goal attainment.

However, it's essential to balance both types of rewards to maximize employee motivation and overall performance.

One of the sciences that contributes to organizational behavior is psychology. Psychology focuses on understanding human behavior, emotions, and cognition, making significant contributions to OB, such as understanding individual differences, motivation, group dynamics, and decision-making processes.

A workplace example of using psychology in Evidence-Based Management (EBM) could be implementing a feedback system based on psychological principles.

This might involve creating a positive and open environment for employees to share and receive constructive feedback, promoting continuous learning and growth.

By utilizing psychological insights in EBM, organizations can make more informed decisions and foster a more productive work environment.

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Subsidies and quotas are examples of nontariff barrier a county might impose.

What are subsidies and quotas?

A quota is a cap on how much of an imported good can be purchased. A trade subsidy given to a homegrown company lowers domestic costs and restricts imports. The benefits of trade are constrained by non-tariff barriers like specifications for product content.

What do non-tariff barriers mean?

Any policy that prevents international trade from occurring—aside from a customs tariff—is known as a non-tariff barrier. They consist of: regulations: any regulations that specify how a product may be created, handled, or advertised. origin regulations: regulations that demand documentation of the nation in which items were made.

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Answer:

The answer is A and B: professional and friendly ^^

Hope you find the answer helpful :)

Answer: Professional and Friendly

Explanation:

Incomplete and Grammatically incorrec cannot be tones of voice.

Big shoppin stores are inside a large complex and it is not possible to have so many employees to look over each and every counter in the complex individually . So owners have to find something by which they could look over a large place at once and in this way the mampower required would also be less. So, to attain this need ,they use convex mirrors to watch the activities of the customers . Convex mirror is used as it has a large field of view , hence it allow the shopkeeper to track all the activities inside the store at once and for all.

please make me brainlist

d) researching. If Frank is specifically researching the number of customers who have gluten or wheat allergies, he is involved in gathering information and conducting research to understand the market and customer preferences.

Research is an important step in gathering data and insights to make informed decisions and develop strategies.

The other s listed are:

a) controlling: This involves monitoring and ensuring that activities are carried out according to plans and objectives.

b) planning: This involves setting goals, developing strategies, and determining the best course of action to achieve objectives.

c) leading: This involves guiding and influencing individuals or teams to work towards achieving organizational goals.

e) organizing: This involves arranging and structuring resources and activities in an efficient manner to achieve objectives.

While planning, leading, and organizing are subsequent steps that may follow after the research phase, the initial involvement of Frank in researching indicates that  d) researching.

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Answer:

Scholarships

Explanation:

Merit-based aid goes to students based on their academic and/or extracurricular achievements rather than their financial need. Scholarships are the most common type of merit-based aid. Students may receive scholarships from nonprofit organizations, private businesses, and colleges and universities.

hope it helps you and give me a brainliest

Answer: scholarships

Explanation:

The statement "As the size of a sample​ increases, the standard deviation of the distribution of sample means increases." is false. The correct statement will be "As the size of a sample increases, the standard deviation of the distribution of sample means decreases."

This is known as the Central Limit Theorem. According to the Central Limit Theorem, as the sample size increases, the distribution of sample means becomes more tightly clustered around the population mean. Consequently, the variability or dispersion of the sample means decreases, leading to a smaller standard deviation.

The Central Limit Theorem is a fundamental concept in statistics, and it allows us to make inferences about population parameters based on sample data. It states that regardless of the shape of the population distribution, as long as the sample size is sufficiently large, the distribution of sample means will approximate a normal distribution with a smaller standard deviation.

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The term "second certification level" is quite broad and can apply to various fields and industries. Without specific context, it is challenging to provide a precise answer. However, in many professional certification programs, there are typically multiple levels or tiers of certification.

In general, the second certification level often represents an intermediate or advanced stage of expertise and knowledge within a particular domain. It typically builds upon the foundational concepts covered in the first level and delves deeper into the subject matter.

The second level may involve more complex theories, practical applications, and specialized skills within the field.

For instance, in the IT industry, certifications like Cisco Certified Network Professional (CCNP) or Microsoft Certified Solutions Associate (MCSA) are considered second-level certifications, requiring a solid understanding of the fundamentals demonstrated in their respective first-level certifications.

Ultimately, the specific designation of the second certification level varies across industries and organizations, but it generally signifies a higher level of proficiency and expertise beyond the introductory stage.

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Answer:

Clemente Juglar.

Explanation:

Considering the situation, a classical economist who sees great merit in the quantity theory of money would look for the amount of money in circulation to explain this rise in inflation.

This is because the Quantity theory of money is a theory that claims that money supply determines the price level in an economy.

This theory states that the higher the quantity of money supply, the higher the price level of commodities translates to inflation and vice versa.

Thus, in this case, as an economist who believed in the Quantity theory of money, such a person would look into the quantity of money in circulation.

Hence, in this case, it is concluded that the correct answer is "amount of money in circulation."

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Answer:

TRUE FHA meaning federal housing administration

In order to simplify market transactions, an economy must use:

1. Standardized Currency: Having a standardized currency eliminates the need for bartering or exchanging goods directly.

provides a common medium of exchange that simplifies transactions and facilitates economic activity.

2. Clear and Enforceable Legal Framework: An economy needs a clear and enforceable legal framework that defines property rights, contracts, and dispute resolution mechanisms. This ensures that transactions are legally recognized and protected, providing a sense of security and trust for buyers and sellers.

3. Efficient Payment Systems: An economy should have efficient payment systems in place, such as banking systems, electronic transfers, and payment platforms. These systems facilitate the transfer of funds between parties, making transactions faster and more convenient.

4. Market Infrastructure: An economy needs well-functioning markets with infrastructure that supports transactions, such as marketplaces, exchanges, and trading platforms. These facilitate the buying and selling of goods, services, and financial instruments.

5. Information Availability: Access to accurate and timely information about products, prices, and market conditions is crucial for efficient market transactions. This can be facilitated through market transparency, consumer protection regulations, and information dissemination mechanisms.

By implementing these elements, an economy can simplify market transactions, promote economic activity, and foster a more efficient and effective marketplace for buyers and sellers.

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Eggs are regarded as the ideal food. They are vitamin and protein-rich, easy to prepare, and affordable for even the retailer most frugal food buyers. To meet demand, it is supply chain that egg production would increase by 50% by 2030.

The advantages of keeping a high supply chain velocity are several. Not only can higher supply chain velocity boost customer happiness, but it can also shorten shipment times, lower shipping costs, improve inventory tracking, and streamline operations for more retailer efficiency. It's crucial to take immediate action and foresee when supplies are likely to run low in order to promptly place orders and maintain control over supply and resources.

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Answer:

Questionnaires :  Interviews

Explanation:

There are several methods of collecting data from suppliers, customers, or the government. Two of them are

1. Questionnaires

Questionnaires are documents that contain questions related to the subject of inquiry. The researchers formulate questions that, when answered with provide information that they are seeking. Questionnaires can be administered to the suppliers or customers by email,  online or hard copies. They are among the most popular and oldest data collection techniques.

2. Interviews

In this method, a researcher engages a selected respondent on one-one conservation. They discuss the subject matter in detail.  Interviews provide instant feedback and offer the interviewer a deeper understanding of the respondents' thought processes.  

Answer:

Imaging systems

artificial limbs

lasers for surgery

Explanation:

I just did the assignment

Answer:

→imaging systems←

→artificial limbs←

→lasers for surgery←

( 1, 3, and 4)

Explanation:

Doing the Assignment, but I hope this helps

The person above is correct so all credit to them↑↑

Given a 9-year bond with an annual coupon payment, a yield of 10%, and a duration of 7.194 years, we need to determine the percentage change in the bond's price when the market yield changes by 50 basis points.

Duration measures the sensitivity of a bond's price to changes in market yields. It provides an estimate of the percentage change in the bond's price for a given change in yield. The formula to calculate the percentage change in price using duration is: Percentage change in price = (-duration) * (change in yield)

In this case, the duration is given as 7.194 years, and the market yield changes by 50 basis points, which is equivalent to 0.50%. Plugging in these values into the formula, we can calculate the percentage change in price: Percentage change in price = (-7.194) * (0.50) = -3.597%

Therefore, the bond's price would decrease by approximately 3.597% if the market yield increases by 50 basis points. Conversely, if the market yield decreases by 50 basis points, the bond's price would increase by the same percentage. It's important to note that duration provides an approximation of the percentage change in price and assumes a linear relationship between yield and price. In reality, bond price-yield relationships are nonlinear, and factors such as convexity come into play for more accurate calculations. However, for small changes in yield, duration serves as a useful tool for estimating price changes.

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Another term that could be used for implied standard deviation

A. Implied volatility

D. Cash flow

Implied volatility is another term used for the implied standard deviation of a financial instrument's price. It is commonly used in options trading to measure the market's expectation of future volatility.

Cash flow is used to describe dividends plus the change in retained earnings. It represents the net amount of cash and cash equivalents generated or consumed by a company's operating, investing, and financing activities during a specific period. It provides insights into a company's ability to generate and manage its cash resources.

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A result of open competition in a free market system is higher quality goods (option D).

Competition is when there are many producers operating in a particular industry. Competition is high in purely competitive markets and low in a monopoly. This is because in a pure competition, there are many producers while there is only one producer in a monopoly.

Due to the high level of competition in an industry, prices would be more likely to be low. This is because producers would want to attract more consumers by fairly pricing their goods. Also, producers would want to offer good customer service in order to retain consumers as there are many competing producers in the market. High quality goods are also a way to attract an retain customers.

A free market system is a market system where prices are set by the forces of demand and supply. There is no government regulation in this type of market.

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Using IPv6 addresses is the correct way to resolve IPv4 address shortages.

What about IPv6 addresses?

The long term solution is to use Internet Protocol version 6 (IPv6). IPv6 has trillions of trillions of addresses, so that it is enough to give every computer in the world a unique IP address.

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Answer:

First, healthier people are more economically productive. Better health also leads to an increase in savings rates—because healthier people expect to live longer and are naturally more concerned with their future financial needs. Another bridge between health and the economy is education.

Explanation:

Answer:

Will do !

Explanation:

Only cause u asked nicely  ;3

Hope  have a wonderful day !

Sleepy~

Answer:

If yo u are a business and you pay for an employees' education It is a great way to add to your employees' skills and knowledge, which they can apply to your business to help make it a success.

Explanation:

Answer:

The right answer is "$9,000". A further explanation is given below.

Explanation:

The given values are:

Rex paid dividends,

= $300,000

Reported earnings,

= $900,000

Investment,

= 30%

Taxable rate applicable,

= 25%

Now,

Throughout the future years, the amount of dividends taxable will be:

= \((900,000 - 300,000)\times 30 \ percent\)

= \(180,000\) ($)

Dividends received deduction will be:

= \(180,000\times 80 \ percent\)

= \(144,000\) ($)

then,

Net taxable dividend will be:

= \(180,000-144,000\)

= \(36,000\)

hence,

Deferred tax liability will be:

= \(36,000\times 25 \ percent\)

= \(9,000\) ($)

A credit card can offer additional security like fraud protection.

The answer is option C.

Credit cards provide higher consumer protections against fraud in comparison with debit playing cards related to a bank account. newer debit cards provide more credit score card-like protection, at the same time as many credit score playing cards no longer fee annual costs.

Debit cards can help you draw a budget directly out of your checking account. Debit cards generally offer more fraud protection than credit playing cards. Debit playing cards never require a signature to finalize a buy like credit score playing cards. Debit playing cards price higher hobby quotes on purchases than credit cards.

If a person used your debit card without your information or authorization, your liability is blanketed by way of the electronic finances Transfer Act, which gives you the right to assign fraudulent transactions.

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Answer:

credit card

Explanation:

The interest on $4,500 note payable that is due in 3 months with rate of 9% is $101.25.

A note payable refers to a written agreement between a borrower and a lender that outlines the terms of a loan. It is a promise to pay back the borrowed amount along with any interest or fees within a specified time period. Note payable is a type of liability for the borrower, and it appears on the balance sheet as a current or long-term liability, depending on the repayment period. The repayment terms can vary, including interest-only payments, equal payments, or a lump-sum payment at maturity. Note payable is commonly used for short-term loans, such as bank loans, or for long-term loans, such as mortgages. It is important to carefully review and understand the terms of the note payable before agreeing to it, as failure to meet the repayment terms can result in serious consequences.

Principal = $4,500

Rate = 9% (or 0.09 as decimal)

Time = 3/12 (or 0.25 as decimal, since 3 months is quarter of year)

Interest = Principal x Rate x Time

Interest = $4,500 x 0.09 x 0.25

Interest = $101.25

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