Banks and cooperative societies constitute the formal sector of credit.
Landlords, moneylenders, traders, relatives, friends and other sources of credit constitute the informal sector of credit.
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How do you factor a mortgage payment?
These considerations include the total amount you borrow from the bank, the loan's interest rate, and the time frame for finishing your mortgage repayment.
How might your mortgage payment be reduced each month?If the monthly payment displayed by our calculator seems a little out of your price range, you can attempt a few strategies to lessen the blow. Play around with a few of these factors:
A. Go with a longer loan. Although you will pay more interest over the course of the loan, your payment will be lower with a longer term.
B. Reduce your household spending. A lesser monthly mortgage payment results from borrowing less.
C. Ignore PMI. 20% down payment or more, or equity in the case of a refinance
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10. a sells widgets to b for $5000 and in the contract instructs b to pay c, since a owes c $5000.00. b promises to pay c. b fails to pay anyone. can c sue b directly? why? if so, under what legal theory?
In the contract, A tells B to pay C ($5000) because A owes C ($5000) for the widgets B purchased from A for $5000. B pledges to pay C, but B does not.
Why do we use widgets?In order to quickly access specific information via apps without needing to launch the program itself, widgets can be placed to the phone's home screen. One illustration is the Diary widget, which gives you an instant view of the events on your calender without having to launch the Calendar application.
Why ought I to employ widgets?Widgets elevate apps to a new level by providing quicker access to data without opening the linked program in a bigger area than a conventional app icon.
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What is the main goal of integrating Organisational data?
One of the key components of the whole data management process is integration, which aims to provide clean, consistent, and consolidated data sets that satisfy the information demands of various end users within an organisation.
In order to import corporate information from diverse sources, a unified data system must be created through the process of data integration. The purpose of data integration is to connect and combine data from many sources. The goal of data integration is to help you grasp what various sources are telling you better. Data integration gives CEOs and data analysts for clients an in-depth understanding of financial risk, customers, production and supply chain activities, regulatory compliance initiatives, and other business process elements.
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Buyer Smith purchases thirty-five acres for a subdivision development and she plans to phase the development.In order to sell the lots in the first phase of the project,she should reserve mortgage a
a)Partial release clause
b)Redemption clause
c)Subordination clause
d)Takeout clause
In order to sell the lots in the first phase of the project, Buyer Smith should reserve mortgage a partial release clause. The correct answer is option A.
What is a partial release clause?A partial release is a mortgage provision which allows some of the collateral to be released from a mortgage after the borrower pays a particular amount of the loan. Lenders need proof of payment, a survey map, appraisal, and a letter mentioning the reason for the partial release. It is often found in tract development construction loans.
In simple words, a partial release of a mortgage is a method of splitting up a piece of property which is currently under a mortgage lien.
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you've just set up an option on your website for your users to sign up for a newsletter. you want to count those new sign-up events as conversions and create an audience for users who signed up.which part of your analytics 4 property lets you manage events, conversions, and audiences?
You've just set up an option on your website for your users to sign up for a newsletter. Data Hub part of your analytics 4 property lets you manage events, conversions, and audiences
What is analytics?Generally, In Goo/gle Analytics 4 (GA4), the part of the property that lets you manage events, conversions, and audiences is called the "Data Hub." The Data Hub is a central location where you can view and manage all of your data, including events, conversions, and audiences.
To set up events, conversions, and audiences in the Data Hub:
Select the "Data Hub" tab in your GA4 property.
Click on the "Events" tab to view and manage your events.
Click on the "Conversions" tab to view and manage your conversions.
Click on the "Audiences" tab to view and manage your audiences.
You can use the Data Hub to create new events, conversions, and audiences, as well as view and analyze data related to these items.
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Can reporters be forced to reveal their sources?
The reporter's privilege is based on the notion that media professionals have a limited First Article protection not to be required to divulge information or private data sources in court.
What takes place if a journalist discloses a source?We therefore take the provision of anonymity seriously. The issue is this: Since there is no nationwide shield law exempting journalists from testifying, a court may order them to divulge the identity of a source. They risk penalties or jail time if they refuse.
What laws aim to shield journalists from being forced to expose their sources?In the U.s, a shield law is any statute that guards journalists from being forced to reveal sensitive information, such as the identity of their source, or to hand up unpublished writings gathered while doing news reporting, such as notes.
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Which GDP do economists use?
As it takes the effects of inflation into account, real GDP is frequently preferred over nominal GDP.
What is inflation?Inflation, usually referred to as the progressive decline in buying power, is the process of price increases. An indicator of the rate at which purchasing power is degrading is the average price increase of a selected basket of goods and services over a predetermined period of time. Price rises, which are typically expressed as percentages, have resulted in a unit of money effectively buying less than it did in prior times. While it is easy to examine individual product price changes over time, human needs are more complex than simply a few specific goods. A wide range of goods and services are necessary for people to live comfortably.
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What is the most carbon neutral company?
Coca-Cola, some of the biggest names are pledging to go carbon neutral.
Which is the world's first carbon neutral?The first foreign location to receive the certificate for carbon neutrality is Machu Picchu. The Green Initiative, a group that works to promote eco-friendly and green travel, gave the certification to the Historic and Natural Sanctuary of Machu Picchu. The Green Initiative promoted Machu Picchu as a sustainability benchmark around the world.According to the certification, it aims to significantly reduce the carbon dioxide emissions of the Inca citadel, with the goal of doing so by 2030 and becoming carbon neutral by 2050.This well-known tourist destination used a number of strategies to obtain this certification. In addition to everything else, Machu Picchu received certification for constructing the sole organic waste treatment facility in Peru.To learn more about Machu Picchu refer to:
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Refer to Exhibit 3-3. A movement from point W to point Z would have been the result of
a reduction in the price of good Y.
an increase in the number of buyers in the area where good Y is being sold.
a decrease in business taxes paid by the producers of good Y.
a decrease in the number of buyers in the area where good Y is being sold.
an increase in the price of good Y.
A movement from point W to point Z would have been the result of an increase in the price of good Y.
The amount paid or the amount of compensation that one party gives to the other in exchange for goods or services is called the price. Manufacturing costs can go by many names depending on the circumstances. If the item is a "commodity" in a commerce transaction, the price of the item will likely be referred to as the "price" of the item.
However, there would be other potential names for this product's name if it were a "service". For example, the chart below illustrates a few examples. The cost of production, availability of desired goods, and consumer demand all affect the price of a good. A monopolist can set a price or the market can impose it on the firm.
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Which of the following is an example of an IaaS Cloud Service Mcq?
Rackspace, Amazon Web Services (AWS) and Joyent.
The virtualization programme, is used by both Amazon and Rackspace to build their cloud environments. The type 1 hypervisor Xen creates logical pools of system resources to enable the of the same resources by several virtual machines. Xen is the name of a hypervisor that is directly installed on the system hardware. This platform is used by virtualization managers to instal, host, and manage VMs. In addition, it is used to grant VMs access to hardware resources including CPU, memory, networking, and storage. As a result, the type 1 hypervisor Xen enables the simultaneous use of many operating systems on the same computer hardware.
Which of the following is an example of an IaaS Cloud Service Mcq?
a, Rackspace
b Amazon Web Services (AWS)
c. joyent
d.. all the above
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What important facts should an entrepreneur gather in preparing a business plan?
Answer:
Your basic business concept. ...
Your strategy and the specific actions you plan to take to implement it. ...
Your products and services and their competitive advantages. ...
The markets you'll pursue. ...
The background of your management team and key employees. ...
Your financing needs.
Information received from the link below. I hope this helps out :)
https://www.entrepreneur.com
Hadoop's two major components are
a. a real-time data processor and a framework for data analytics
b. a data processing component and a distributed file system
c. a JobTracker and a group of TaskTrackers
d. a cluster and a group of servers
Hadoop's two major components are a data processing component and a distributed file system.
Hadoop is an open-source software framework for storing and processing large amounts of data on clusters of commodity hardware. It has two major components: a data processing component and a distributed file system.
The data processing component, also known as the MapReduce engine, is responsible for processing large amounts of data in parallel across a cluster of nodes.
The distributed file system, known as the Hadoop Distributed File System (HDFS), stores data on multiple nodes in the cluster and allows for distributed processing of data.
Option a. a real-time data processor and a framework for data analytics is incorrect because Hadoop is not designed for real-time processing of data.
Option c. a JobTracker and a group of TaskTrackers is incorrect because these are components of the MapReduce engine, which is part of the data processing component of Hadoop.
Option d. a cluster and a group of servers is incorrect because Hadoop consists of more than just a cluster and a group of servers. It includes both a data processing component and a distributed file system.
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A change in strategy nearly always entails budget reallocations because
Multiple Choice
new strategic initiatives can be costly or capital intensive.
of corresponding changes in the company’s organizational structure and budgetary requirements.
adopting best practices and pushing for continuous improvement tend to reduce costs and reduce overall resource requirements.
units important in the prior strategy but having a lesser role in the new strategy may need downsizing, while units and activities that now have a bigger and more critical strategic role may need more people, new equipment, additional facilities, and above-average increases in their operating budgets.
the accompanying policy revisions and compensation incentives tend to require different levels of funding than before.
A change in strategy nearly always entails budget reallocations because units important in the prior strategy but having a lesser role in the new strategy may need downsizing, while units and activities that now have a bigger and more critical strategic role may need more people, new equipment, additional facilities, and above-average increases in their operating budgets.
What does financial reallocation mean?The transfer of monies from one case to one or more other cases is known as reallocation.
The redesignation of allotted or budgeted monies from one account to another or to a newly created account for a different use or purpose is referred to as budget reallocation.
Therefore, option D is correct.
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CASE Friendly Assisted Living Facility-1 Friendly Medical Center, an urban, nonprofit, 450-bed rehabilitation hospital, began to see a significant decline in admissions. Friendly Medical Center's mission focuses on inpatient and outpatient rehabilitation of the severely injured and catastrophically ill. While the patient census aried from month to month, it appeared to the Friendly Medical Center Board of Trustees that the inpatient population was slowly but steadily declining. The hospital's market researchers reported that fewer people were being severely injured due to the popularity of seat belts and bicycle/motorcycle helmets. In order to get a handle on the future of the organization, the Board, and the CEO, Fred Splient M.D. called for a major strategic planning effort to take place. In January 20X6, Friendly Medical Center held a planning retreat to identify future opportunities. The outcome of the retreat was that the Medical Center needed to focus its fforts around two major strategic initiatives. The first, a short-run initiative, was to be more cost-effective in the delivery of inpatient care. The second, a long-run strategy, was to develop new programs and services that would capitalize on the existing, highly competent rehabilitation therapy staff and Friendly Medical Center excellent reputation in the region At the time of the retreat, Fred Splient's parents were living with him and his family. Fred was active member of the "sandwich generation." His parents were aging and developing many problems common to the geriatric populace. Their increased medical needs were beginning to wear on Fred and his family. It crossed Fred's mind that life might be more pleasant if the hospital Board approved an expansion of the Medical Center's campus to include living facility ssisted In March 20x6, Fred had his Business Development team prepare a rough estimate of the potential return on the investment of an assisted living facility. He asked the team to identify different options for facility construction and the associated costs. The team also did a complete competitive analysis and examined the options for services to be offered based on Friendly Medical Center's potential population base and catchment area. The Business Development team visited several facilities across the country. The team also interviewed companies that could oversee the design, building, and operation of the facility for Friendly Medical Center. The development team produced a preliminary business plan based on the recommended structure for the facility, estimated capital expenditure needs, estimated income from operation of the facility, as well as projected revenues to other Medical Center programs resulting from the facility's population. The plan was presented at the May 20X6 meeting of the Board of Trustees. Fred Splient and his team introduced the Board to the concept of opening an assisted living facility on Friendly Medical Center's campus. The facility would be set up as a for-profit subsidiary of the Medical Center so that it could generate a profit and not be subjected to the strict guidelines of the hospital's accrediting agencies. As a subsidiary organization, however, the Board would still have control The chosen facility design was a freestanding apartment-like facility with a sheltered connection to the Hospital for access to the kitchen and hospital services. The facility would have 100 units with 15 to 30 of the units classified as "heavy-assisted" and built to code to house the physically and medically disabled. The rest of the units would be "light-assisted larger apartments. The population would be approximately 110 to 150 residents, with most being single occupants rather than couples
The three main limitations on any project are called the triple constraints, and in this case, they are money, time, and scope. Here, the emphasis must be on quality.
What is Strategic Retreat?Budget, capitation, fee-for-service, pay for performance, salary, and diagnosis-related groups are examples of prevalent payment methods for providers. In a line item budget, the provider is paid a certain sum for a specified obligation of service provision for a given time period often a year.
Health system executives must increasingly appreciate the importance of taking into account all hospital components as they relate to the consumer as more hospitals move toward value-based care, or care where quality and payment are connected.
Thus, The three main limitations on any project are called the triple constraints.
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Explain and define the term ""Metropolitan IT Infrastructure."" What are some key city infrastructures? Explain the concept of a Smart City.
A wide range of civil, structural, and environmental engineering consulting and design services are provided by Metropolitan IT Infrastructure, PLLC.
What is the meaning of IT Infrastructure?A wide definition of information technology infrastructure is a collection of IT elements that constitute the basis of an IT service; these elements might be both physical and software- or network-related.
The typical hardware and software elements of a traditional IT infrastructure include buildings, data centers, processors, networking hardware, desktop PCs, and corporate application software solutions.
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in which of the following situations can a registered person of a broker-dealer borrow funds from a customer without approval of her firm? qid: 3571132 mark for review a the customer is the brother-in-law of the registered person b the customer is an institutional investor c the customer is a personal friend of the registered person's sister d the loan is based on a business relationship that's independent from the member firm-customer relationship
The customer is the brother-in-law of the registered person (a) is a situation in which a registered person of a broker-dealer borrows funds from a customer without approval of her firm.
Except under particular circumstances, registered people are not permitted to lend or borrow money from customers. These prerequisites include developing written policies approving the action in question and fulfilling one of the following clauses:
Immediate family members of both the consumer and the registered individual.The client is a financial institution that frequently engages in the lending or credit-extension industry.Both parties have accounts with the same company.The customer's and the registered person's personal relationship is the foundation of the loan.The loan is supported by a business connection that is separate from the customer-broker-dealer connection. There is no need for formal notice or formal permission if the loan is justified by clauses 1 or 2 (borrowing from family members whose company is making a loan to you).Learn more about borrowed funds here:
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What are the credit 4 C?
Although standards may vary from lender to lender, all lenders will consider the four main factors of capacity, capital, collateral, and credit when deciding whether or not to provide a loan.
Why is it so important to have the four Cs of credit?The four credit criteria aid in the methodical evaluation of credit risk. They provide a framework for the collection, division, and analysis of data. Character, capability, capital, and conditions are the four main categories into which the data is divided.
What do the capitalization of credit's four C's mean?Capital includes any money, investments, or other possessions you are ready to use as security for a loan. The down payment on a home is one example. Generally speaking, the greater the down payment, the better your interest rate and loan terms will be.
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What is the relationship between data life cycle and data analysis process how are the two processes similar?
Data analysis is concerned with the use of tools to transform information and data life cycle is concerned with making informed decisions.
To find relevant information, aid inference, and in decision making, data analytics is the process of analyzing, cleaning, manipulating, and modeling data. Data analytics is used in several areas of business, science, and the social sciences and has many facets and methodologies. It includes many different techniques and has many different names.
Data mining is a specific type of data analysis that focuses on knowledge discovery and statistical modeling for predictive rather than purely descriptive purposes. Business intelligence refers to data analysis that is mainly based on aggregation and is mainly concerned with business information.
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What are the 6 key economic indicators?
The 6 key economic indicators are listed as follows.
The term economic factor in economics is referred as macroeconomic measurements that determine the overall health of an economy by understanding and learning about the present and future opportunities and activities.
These indicators given the historical data, statistics, long-term forecasts and actual values of the economic activities.
In order to identify these details we have to use the following key indicators,
1. Gross domestic product
2. Unemployment
3. Balance of trade
4. Price of crude oil
5. Consume price index
6. Consumer debt.
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What are the benefits of contractionary policy?
Keep in mind that the goal of contractionary monetary policy is to slow the rate of demand for goods and services, not stop it.
Therefore, higher interest rates through contractionary policy can be used to curb inflation and return the economy to the price stability component of the dual mandate.The level of inflation is the main objective of a contractionary monetary policy.By reducing the money supply in the economy,politicians seek to reduce inflation and stabilize prices in the economy.While the initial effect of contractionary policy is to reduce nominal gross domestic product (GDP),which is defined as gross domestic product (GDP) assessed at current market prices,it often ultimately results in sustainable economic growth and smoother economic cycles.Tight monetary policy leads to lower interest rates, which increases investment,which leads to higher output.Contractionary fiscal policy will slow down the economy If the government decides to cut taxes and decrease public spending,the effect would be that aggregate demand would decrease because less money would be spent.
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to combat a recession, the indian government enacts expansionary fiscal policy, which increases government spending by 20 trillion rupees. in response, gdp increases from 140 trillion rupees to 175 trillion rupees. a. what is the multiplier? do not round your answer.
The multiplier, based on the increase in government spending and the increase in Gross Domestic Product is 1. 75
How to find the multiplier ?The multiplier can be found by the formula :
= Change in Gross Domestic Product / Change in government spending
Change in Gross Domestic Product:
= 175 trillion - 140 trillion
= 35 trillion Rupees
Change in government spending = 20 trillion rupees
The multiplier is:
= 35 / 20
= 1. 75
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What is one way a command company affects the lives of private citizens?
Because it is an ineffective method of allocating resources and there is a chance that residents' wants and preferences won't be met, it is damaging to individuals. The quality of the products may also be subpar because of the lack of competition, which discourages innovation.
What do you know about command economy?The degree of output that is allowed and the prices that may be paid for goods and services are determined by a central controlling body in a command economy. The public owns the majority of industries.
Free market economies, in which supply and demand set prices and output, are the primary alternative to command economies.
A command economy is part of a communist political system, whereas a free market is found in capitalist nations.
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What do you mean by interest group?
An lobby group or activist organization is a group that use a range of strategy aimed to influence public perception and/or legislation. The phrase "informed society" is another way to describe a lobby group.
An example of an affinity group:
American Association of People with Disabilities. American Association for Retired Persons. American Consulting Engineers Council. The American Enterprise Institute conducts research on public policy. Foundation for American AIDS Research
What are the major objectives of organisations with interests?
Interests groups are formed to further the causes that are significant to its members. Their main objective is to influence government policy. Interest groups sometimes are referred to as "pressure" or "lobby" groups because one of their primary responsibilities is applying pressure to policy decision.
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What is free trade and its advantages and disadvantages?
midyear on july 31st, the andrews corporation's balance sheet reported: total assets of $251.041 million total common stock of $6.350 million cash of $10.050 million retained earnings of $22.140 million. what were the andrews corporation's total liabilities?
The Andrews corporation's total liabilities were $ 222.55 million
Define total liabilities.Total liabilities are all of the debts that a person or business owes. Obligations are typically divided into three groups: short-term, long-term, and other liabilities. Total obligations plus equity on the balance sheet must equal total assets.
Liabilities include all of a person's financial obligations, whereas debt only includes those obligations related to unpaid loans, and this is the major distinction between them. As a result, liabilities include debt. Total liabilities simply refers to the total amount owed to creditors by a company. To assess if a company is financially sound or a wise investment, creditors or investors may wish to look at total liabilities.
Given:
Total Liabilities is
= Total Asset - (Total Common Stock + Retained Earnings)
= $251.041 - ($6.350 + $22.140 million)
= $251.041 - $6.350 - $22.140
= $ 222.55 million
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What is the main purpose of the chart of accounts?
A local real estate investor in Orlando is considering three alternative investments: a motel, a theater, or a restaurant.
The motel and restaurant will be affected by the availability of gasoline and the number of tourists,
while the theater will be relatively stable under any conditions. The following payoff table shows the profit ( or losses) resulting from each investment.
Investment Shortage Stable Surplus
Motel ($8,000) $15,000 $20,000
Restaurant $2,000 $8,000 $6,000
Theater $6,000 $6,000 $5,000
Determine the best investment using the following decision criteria:
a) Maximax
b) Maximin
c) Minimax regret
d) Hurwicz (a=.4)
e) Equal likelihood
A) Maximax: The best investment using the Maximax criterion is the Motel with a $20,000 excess return.
B) Maximin: The best investment using the Maximin criterion is a restaurant with a return of $8,000 for a stable situation.
C) Minimax Regret: The best investment using the Minimax Regret criterion is a theater with a return of $6,000 regardless of the situation.
D) Hurwicz (a=0.4): The best investment using the Hurwicz criterion with a=0.4 is a restaurant with a return of $8,000 for a stable situation.
E) Equal Probability: The best investment using the equal probability criterion is a theater with a $6,000 payout regardless of the situation.
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Which of the following is true of scenario planning? It is particularly useful for an orginzation attempting to mitigate risks in certain ventures
The true statement of scenario planning: It is particularly useful for an Organization attempting to mitigate risks in certain ventures. [TRUE]
About scenario planningScenario planning is a structured practice for imagining and anticipating what future events and conditions might occur, what the consequences of all of that are, and how to respond and learn from them to practice preparedness and response. This is a useful technique in planning company, company strategy and marketing strategy, especially in looking at potential future needs, markets and products.
Scenario planning asks “what if” questions. It starts with a top-down approach to the strategy process. In addition, in scenario planning, top management envisions different scenarios, in anticipation of a plausible future to derive strategic responses. For example, changes in tastes or economic conditions will affect consumer behavior.
Method of scenario planningMany scenarios start in the past and use past events and historical data. All of that then becomes the basis for developing future plans.
Plan scenarios may be broad or narrow depending on the type of data used. In addition, the breadth and narrowness of scenarios also depends on the assumption that a particular phenomenon will continue to produce the same results as it did in the past.
The planning process usually begins with an analysis of the company's environment using PESTEL analysis and then selects critical indicators that represent opportunities and threats for the company through a SWOT analysis.
To estimate the impact in the future, companies use several techniques, for example the Delphi technique. A series of usually no more than three scenarios (pessimistic, basic and optimistic) can then be developed based on alternative predictions. Key actions can be identified to develop the company's ability to deliver these goals, according to the most likely scenario.
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true or false: interests rates on student loans, such as perkins loans, are set by each individual college or university.
True. Since the Fed raised interest rates to fight inflation, student loan interest rates have skyrocketed. Even though rates have increased, they are still among the lowest we have ever seen right now.
Colleges and universities will reopen their classes and residence halls in the fall of 2020, and soon after that, observable trends (both anticipated and unforeseen) will emerge. As predicted, numerous schools postponed sports, reported widespread quarantines, and converted in-person classrooms to virtual ones within the first few weeks of the new semester. Less anticipated were the enrollment trends. Many people believed that community colleges would have higher enrolment during the epidemic, but data revealed that while autumn enrollment increased at several large public universities, it decreased by as much as 30% at community colleges that serve a high number of low-income students.
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a shortage in the bread market can cause the price of bread to rise. group of answer choices true false
A shortage in the bread market can cause the price of bread to rise is a false statement.
When the amount needed exceeds the amount supplied the current shortage happens. Three factors mainly contribute to shortages: increase in demand, falling supply, and government action. In contrast to how the word is used in economics, "scarcity" should not be confused with "shortage."
As there is a shortage of goods, the price is used to rise for that good. A shortage occurs when there are more requests for a good or service than there are available units at the current price. This raises costs. An increase in demand will cause the equilibrium price to rise and the supply to climb, all other things being equal.
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