restricted cash should be reported group of answer choices
A. always as a noncurrent asset. B. separately on the income statement. C. separately on the balance sheet.
D. always as a current asset.

Answers

Answer 1

Restricted cash should be reported separately on the balance sheet. This is because restricted cash is cash that is not available for immediate use by the company, due to contractual obligations or legal restrictions.

It is important to separate this cash from the company's regular cash and cash equivalents, which can be used for day-to-day operations.

In terms of classification, restricted cash may be classified as either a current or noncurrent asset, depending on the nature of the restriction. For example, if the cash is restricted for a period of less than one year, it should be classified as a current asset. If the restriction is for a period longer than one year, it should be classified as a noncurrent asset.

In terms of reporting, the balance sheet should provide a detailed breakdown of the company's cash and cash equivalents, including any restricted cash. Additionally, any relevant details about the restriction (such as the reason for the restriction and the expected duration) should be disclosed in the notes to the financial statements.

Overall, the reporting of restricted cash is important for providing investors and other stakeholders with a clear understanding of the company's financial position and liquidity.

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Related Questions

2-2 ON YOUR OWN, P. 42 Analyzing Transactions Into Debit And Credit Parts

Answers

Ascertain whether the rise or decrease requires a credit or a debit.

What exactly does credit mean in banking?

A credit is an entry that demonstrates the receipt of money in personal banking or financial accounting. A bank account register typically has credits (deposits) on the right side and debits (amounts spent) on the left.

What are loans and credit?

The two types of financing are loans and credits.

A credit is given by the bank to the customer, who can use it however they see fit—using the entire amount borrowed, a portion of it, or none at all. In contrast to loans, which provide all the money requested in one go at the time they are issued, credits give the customer a fixed amount of money that can be used however they see fit.

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What is the disadvantage to taking on a loan at a higher rate of interest?

Answers

Taking on a loan at a higher rate of interest typically means paying more in total interest over the life of the loan.

The higher the interest rate, the more expensive the loan is over its lifetime. This is because the interest rate is a major factor in determining the amount of interest paid on the loan.

A loan with a higher interest rate will have higher monthly payments, which can be difficult to afford. Additionally, a higher interest rate will mean paying more in total interest over the life of the loan.

This increases the total cost of the loan, meaning that the borrower will have to pay back a larger principal amount than they initially borrowed. Therefore, taking on a loan at a higher rate of interest can be very costly in the long run.

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A RAM is used only to assign detailed work activities.
TRUE OR FALSE

Answers

It is true that a RAM is used only to assign the detailed work activities.

What is RAM?

The physical component known as Random Access Memory, or RAM (pronounced "ramm"), is found within computers and acts as the "working" memory for the device. A computer can process more data simultaneously when it has more RAM, which often has a significant impact on system performance. Kingston, PNY, Crucial, and CORSAIR are a few well-known RAM producers. Because executing the same data from RAM is faster than running it directly from a hard disk, your computer uses RAM to load data. Similar to this, RAM serves as a temporary storage space for all the information you're now using on your computer, smartphone, tablet, etc. Similar to a desk in the comparison, this sort of memory offers far faster read/write times than using a hard drive.

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What are the two steps in comparison?

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Comparison is the phenomenon of comparing one thing with the other

Comparison typically involves two steps:

Identifying similarities and differences: This step involves looking at the items being compared and noting any similarities and differences between them.

Evaluating the significance of the similarities and differences: This step involves considering how the similarities and differences impact the overall assessment of the items being compared.

It's important to note that, depending on the context, there could be more than 2 steps, but in general comparison is made by identifying similarities and differences, then evaluating them.

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What are the 3 types of trade barriers?

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The trade barriers are natural barriers, tariff barriers, and non-tariff barriers

A trade barrier is a limitation placed by the government that prevents commodities from moving freely across borders. These restrictions are mostly imperceptible and hidden, though they are occasionally overt. Natural barriers to international trade include geographic features like mountains and oceans that can make travel challenging and expensive.

Tariffs are governmental assessments that increase the price of imported goods for domestic consumers. Through laws, norms, and other policies, nontariff barriers can make it difficult for foreign companies to access a nation's market. These could include taxes, limits, and other trade-restrictive regulations. International trade is generally hampered by the numerous trade restrictions that nations impose to protect domestic industries and markets.

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Why do economists say all resources are scarce?

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Economists say that all resources are scarce because there is a finite amount of resources in the world and an unlimited amount of human wants and needs.

This means that people must make difficult choices to decide how to divide up these limited resources amongst different wants and needs. This can lead to a shortage of supply, which drives up the price of a resource and can create a situation of economic scarcity. Scare resources are also known as  limited resources .

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Determine the effective tax rate for a taxable income of $145,690. Round the final answer to the nearest hundredth.

Answers

The effective tax rate for a taxable income of $145,690 is 22%.

What is the effective tax rate?

The actual tax rate is the proportion of income that a person or business owes/pays in taxes. The effective tax rate is the average tax rate applied to a human's earned income, including wages, plus unearned income, such as stock dividends.

The average tax rate a taxpayer is subjected to is known as the effective tax rate. The effective tax rate for a company is determined by dividing its total federal and state income tax expenses by its pre-tax profits.

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What are 5 advantages of mixed economy?

Answers

The five advantages of a mixed economy include Economic stability, Encouraging competition, Redistribution of wealth, Provision of public goods, Consumer protection,

Economic stability: A mixed economy allows for government intervention in the economy, which can help stabilize it during periods of recession or inflation.Encourages competition: A mixed economy allows for private enterprise, which encourages competition and innovation, leading to increased efficiency and productivity.Redistribution of wealth: A mixed economy can redistribute wealth through progressive taxation and social welfare programs, reducing income inequality and poverty.Provision of public goods: A mixed economy allows for government provision of public goods and services, such as education, healthcare, and infrastructure, which can improve the overall standard of living.Consumer protection: A mixed economy provides consumer protection through government regulations, which ensure fair competition and protect the rights of consumers, such as safety standards, environmental regulations, and fair trade practices.

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What are the top 5 most used energy sources?

Answers

There are five major sources of renewable energy: solar power, geothermal power using geothermal heat, wind power, plant-based biomass power, and hydroelectric power using running water.

These energy sources are called non-renewable because their supply is limited to what can be mined or extracted from the earth.

Coal, natural gas, and oil formed over thousands of years from the buried remains of ancient sea plants and animals that lived millions of years ago. Therefore, these energy sources are also called fossil fuels.

Most petroleum products consumed in the United States are made from crude oil, but petroleum liquids can also be made from natural gas and coal.

Nuclear energy is made from uranium, a non-renewable energy source. Uranium atoms split (via a process called fission) to produce heat and ultimately electricity.

Scientists believe that uranium formed billions of years ago when stars formed.

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What are two examples of a food chain?

Answers

Two examples of a food chain are grass-rabbit-fox chain and algae-fish-human chain

A food chain is a linear network of links in a food web, showing a single pathway of energy and nutrients from a source to a consumer.

Two examples of a food chain include the grass-rabbit-fox chain and the algae-fish-human chain.

In the grass-rabbit-fox chain, grass is the producer, the rabbit is the primary consumer, and the fox is the secondary consumer.

In the algae-fish-human chain, algae is the producer, the fish is the primary consumer, and the human is the secondary consumer. In both examples, energy and nutrients are passed from the producer to the consumer.

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What are the 5 characteristics of economic system?

Answers

The five characteristics of an economic system are- participation, equity, growth, sustainability, and stability.

What precisely is an economy?

In an economy, all economic activities are governed by a single central organization, and the means of production are held by the general populace. This company establishes quantifiable output targets and provides raw materials to profitable enterprises.

What does having a command economy mean under socialism?

A command economy is present in the majority of communist countries. Below is a description of market-based socialism. The state centralizes and regulates economic decisions in communist countries. A dictator or central planning committee determines what will be produced, who will produce it, how much will be produced, and who will purchase it.

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Listening is part of the ______ process.
biological
acting
communication
speaking
Answer is communication, got 100% in edge

Answers

Listening is part of the communication process. (Option C).

What is Listening?

Listening is the process of hearing language. Listening involves identifying speech sounds and putting them together to form words and sentences. Listening is the ability to accurately hear and evaluate communications during the communication process. You must listen before you can speak clearly.

The attention of listening is on a sound or action. A person tries to understand what other people are saying while listening to what they are saying. Listening involves intricate emotional, cognitive, and behavioral processes.

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Where are the industrial centers in the united states?

Answers

The major industrial centres in the united states are:-

(i) Southern New England

(ii) Mid-Atlantic States

(iii) Pittsburgh-Lake Erie Region

(iv) Detroit Industrial Region

(v) Lake Michigan Region

(vi) Southern Appalachian Region

(vii) Eastern Texas

Where are the industrial centres in the united states?

The industrial centres of the Middle West and of the Pacific coast are more recent.

The North American continent has many great industrial centres and a few industrial regions. This is partly the consequence of the widespread nature of the resources of the continent, and partly because of the late date at which industrialisation took place.

The devel­opment of transport facilities and in recent years the generation and transmission of hydroelectric power have tended to cut industry adrift from the coalfields It is now having few areas of large-scale concentration.

More modern industrial hubs can be found on the Pacific coast and in the Middle West.

There are a few industrial regions and several excellent industrial hubs on the continent of North America. The vast nature of the continent's resources and the later-than-expected timing of industrialization are both contributing factors to this.

The industry has tended to become dispersed from the coalfields due to the development of transportation infrastructure and, more recently, the generation and transmission of hydroelectric power. There are now just a few big concentrations of it.

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Jada bought some sugar and strawberries to make strawberry jam. Sugar costs $1. 80 per pound, and strawberries cost $2. 50 per pound. Jada spent a total of $19. 40. Which point on the coordinate plane could represent the pounds of sugar and strawberries that jada used to make jam?.

Answers

Point B on the coordinate plane could represent the pounds of sugar and strawberries that Jada used to make jam.

Strawberry (2*2.50) + sugar (1.80*8) = 19.40

What is coordinate plane?

A coordinate system in a plane is a system of coordinates that uniquely identifies each point by a pair of numerical coordinates. These numerical coordinates are the signed distances from two fixed perpendicular oriented lines to the point, measured in the same unit of length.

What is a product's cost?

The expenses incurred to produce a product or service are referred to as its cost. Direct labour, direct materials, consumable production supplies, and factory overhead are all included in these prices computation.

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currently the primary form of written business communication is

Answers

Answer:

email

Explanation:

What does the Constitution say about lobbyist?

Answers

A modern participatory government must include lobbying, which is lawful and protected. The First Amendment, the Lobbying Disclosure Act of 19953, and the fundamental need for engagement in our democratic environment all provide legal protections for the freedom to lobby in the United States.

The process of lawfully attempting to influence the decisions, actions, or policies of public servants—most usually politicians or regulators—is known in politics as lobbying, persuasion, or interest representation. Lobbying, which often involves direct, face-to-face interaction, is done by a wide variety of people, associations, and organized groups, including individuals in the private sector, corporations, other legislators or government officials, or advocacy groups. Lobbyists, which refers to a voter or group of voters in their electoral district, can be considered constituents of a politician. One can make a living as a lobbyist as well. Professional lobbyists attempt to sway legislation, laws, or other decisions, acts, or policies of the government on behalf of the group or individual that hires them. Additionally, individuals and nonprofits

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Are electronic cover letters are longer than traditional paper cover letters?

Answers

An electronic cover letter should come out to one page total, just like a traditional paper cover letter, and it should contain all the same parts that a traditional cover letter contains.

What is cover letter?

With every resume, a cover letter is required. Introduce yourself to the reader and provide them a framework for your writing in the cover letter.

You can use it to show that you're interested in a certain job or to enquire about openings. The primary goal of a cover letter is to persuade the reader to continue reading your resume.

Because of this, it's crucial that your letter is well-written and clearly conveys what you can offer the organisation.

A cover letter normally has three to four paragraphs and is less than one page long. The header and paper should be the same as on your resume to ensure consistency.

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Answer: False

Explanation:

because they are roughly the same length "1 page"

(im not 100%)

Which of these is not a factor of production?ALandBLabourCMoneyDCapital

Answers

(C)Money is a medium of exchange and therefore cannot help increase the productivity of an economy like other factors of production,so the factors of production are land,labor, capital, and entrepreneurship.

This is how products and services get from the manufacturer to the people who need or want them. He does this by using what are known as factors of production.Another name for these is that the resources are of various types. Factors of production are an important economic concept that describes the elements necessary to produce a good or service for sale.Money isn't considered a factor of production but it does help make the production process easier.That's because it isn't actually a productive resource so it isn't directly involved in the production of goods and services.Instead,money is used to pay for raw materials,wages,and other materials.

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When Procter and Gamble launched its Pamper brand in Japan, the diaper packages confused Japanese customers. In the United States, the packages featured a stork delivering the baby. Japanese don’t understand a stork delivering babies to parents. Instead, Japanese loved the idea of a big peach delivering their baby. Can you explain what may have caused the intercultural misunderstanding? How could Procter & Gamble have avoided it?

Answers

The intercultural misunderstanding that occurred when Procter & Gamble launched its Pamper brand in Japan can be attributed to cultural differences in symbolic representation. In the United States, the image of a stork delivering a baby is a common symbol of childbirth and is associated with the arrival of a new baby. However, this symbol is not as prevalent in Japanese culture, and the Japanese may not have understood the connection between a stork and a baby.

On the other hand, the idea of a big peach delivering their baby is more relatable for Japanese culture because in Japan, the peach is a symbol of longevity, good health, and fertility.

To avoid this kind of intercultural misunderstanding, Procter & Gamble could have conducted more extensive market research and cultural analysis to understand the cultural symbols and imagery that are meaningful to Japanese consumers. They could have also consulted with local experts and tested their marketing materials with Japanese consumers to get feedback and make adjustments before launching their product. Additionally, they could have used more culturally neutral imagery, such as a baby or a happy family, that would have been more universally understood.

A non-performance consideration for considering rewards Include all except Multiple Choice
O Job seniority
O Job title
O weekend shift.
O 95 percent customer service satisfaction survey results.
O membership to local country club.

Answers

95 percent customer service satisfaction survey results.

What is a nonperformance consideration?

Non-performance is when you don't carry out your end of a contract. In our example of an equipment contract, a breach of the agreement would occur if the seller failed to provide the equipment in accordance with the terms of the agreement. You have broken the agreement if the vendor does provide the goods but you don't pay for them.

How are non-performance issues recognized?

When you meet, make sure to clearly state the non-performance issue, including what aspect of their job it pertains to and, less importantly, what aspect it DOES NOT pertain to.

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survey findings showing 95 percent customer satisfaction. In order to suit their demands, they must have the ability to customize and alter it immediately.

A customer service is defined as what?

Customer service is the assistance you provide to make sure that your clients have a simple and satisfying experience with you, both before and after they purchase and utilize your goods or services. If you want to attract new clients and expand your clientele, you must provide outstanding customer service.

What does good customer service entail?

Good customer service practices. Customers will have a favorable opinion of you if you pay attention to what they have to say, recognize their needs, thank them, and foster a welcoming, happy environment. The likelihood of a satisfied consumer spending more money is higher.

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Which is another word for a command economy?

Answers

The national government is required to possess and manage the means of production under the command economy, often known as a planned economy.

What Is a Command Economy?

A command economy is an essential part of a political system where the amount of output that is allowed and the prices that may be paid for goods and services are set by a centralized ruling body. The bulk of industries are publically owned. A free market economy, in which supply and demand determine prices and output, is the primary alternative to a command economy. In contrast to the command economy, which is a feature of communist political structures, free market systems exist in capitalist countries.

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Apple acquiring P.A. Semi is an example of
a. forward horizontal integration.
b. backward vertical integration.
c. backward value chain integration.
d. forward value chain integration.
e. forward vertical integration.

Answers

The correct answer is b. backward vertical integration. Apple acquiring P.A. Semi is an example.

For many years, Apple Inc. has used a vertical integration strategy. Its software is installed on electronic devices and computer systems that Apple manufactures and assembles utilising hardware and components that are also produced by the business. One of the best instances of both forward and backward integration that has maintained success is Apple. By producing the semiconductors it uses in its phones, Apple integrates backward. Apple can manage production costs and chip quality by doing this. A company that generally distributes its apparel to department shops for retail sales but instead opens its own retail outlets is an example of forward integration.

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A toll on a congested road is in essence:
a. An intense highway tax
b. Department of motor vehicle tax
c. A gasoline tax
d. A corrective tax

Answers

A toll on a congested road is essentially a corrective tax. Thus option D is the correct answer.

It is a fee charged to drivers for using a specific road or bridge, to reduce congestion and promote more efficient use of the road.

It's also different than an intense highway tax, which is not a specific term, it's likely that you may be referring to a general term for high taxes on vehicles or roads, but tolls on congested roads are specific and its goal is to reduce congestion.

This is different from a gasoline tax, a tax on the fuel that vehicles use, or a department of motor vehicle tax, a fee for registering and maintaining a car.

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What are important features of a command economy?

Answers

The Important features of a command economy include public ownership of major industries, government control of production levels and distribution quotas, and prices, wages, and inventory levels all being under government control.

The government makes key decisions such as which goods to produce and the quantity of each good to be produced. The government also sets and enforces laws, regulations, and directives to ensure the central plan is followed. In a command economy, the government has absolute power over all resources, and businesses must follow the central plan’s production and hiring targets, with no ability to respond to free-market forces. These features are what make a command economy different from a free-market economy.

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Which of the following allows eligible institutions to borrow money from the central bank to meet
reserve requirements?
O Discount rate
O Reserve policy
O Discount window
O Inflation targeting

Answers

The statement that  allows eligible institutions to borrow money from the central bank to meet reserve requirements is C. discount window.

What is discount window?

The discount window  can be defined as a lending institution that makes it possible for qualified  financial institution to lend money from the central bank.

One of the advantage of discount window is that it help to effectively control and manage the financial risk of a financial institution.

Therefore we can conclude that the correct option is C.

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Who profited from the stock market crash of 1929?

Answers

NEW YORK — His definition of a long-term investor completely changed. Irving Kahn, a contrarian trader famous for profiting from shorting stocks during the 1929 Crash, passed away at the ripe old age of 109.

The group of people who trade stocks, also known as shares, which stand for ownership holdings in corporations, is known as a stock market. It is sometimes referred to as an equity market or share market. These securities may be listed on a public stock exchange or they may only be traded privately. Shares of private companies that are offered to investors through platforms for equity crowdfunding are an example of such securities. When making an investment, a plan is normally in place. A stock market is an exchange for shares, bonds, and other financial products. On stock markets, shares of various significant companies are traded. As a result, the stock has more liquidity, which broadens its appeal to investors.

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Why are clothing stores an example of monopolistic competition?

Answers

Clothing: Due to enterprises' varied products and market dominance, the clothing industry is monopolistically competitive. A monopoly and monopolistic competition are different.

When one person or organisation is the exclusive provider of an item or service in a market, there is a monopoly. As demand declines as average total costs rise in a monopolistically competitive market, Zara is anticipated to turn a profit in the short term but break even in the long run. This implies that a company like Zara that operates in a monopolistically competitive market will ultimately generate no economic profit. Women's clothes is classified as a monopolistic competition market since numerous businesses offer equivalent products at roughly identical rates.

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What are the 3 roles of finance?

Answers

A company's finance jobs oversee budgeting, accounting, estimating revenues, and producing profit and loss statements.

What are the three roles that finance plays?

There are three linked fields of finance: Investments, which concentrates on choices being made by both individual and institutional investors, Money and Credit Markets, which deals with securities markets and financial institutions, Financial Management, which deals with choices made within the company. The process of raising capital or finances for any type of spending is known as financing. It is the act of directing various financial resources—such as credit, loans, and asset value those parts of the economy that need them most or can use them most effectively.

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How does phosphorus lead to eutrophication of aquatic ecosystems?

Answers

Eutrophication of aquatic ecosystems can result from high amounts of phosphorus, which can also cause algae blooms and the production of algal toxins that can be dangerous to both human and animal health.

All the creatures and the physical surroundings with which they interact make up an ecosystem (or ecological system). Through nutrient cycles and energy exchanges, these biotic and abiotic elements are interconnected. Through photosynthesis, energy enters the system and is absorbed into plant tissue. Animals are crucial in the transport of matter and energy through the system because they consume plants and one another for food. They also have an impact on the biomass levels of microorganisms and plants. Decomposers are organisms that break down dead organic matter, releasing carbon into the atmosphere and facilitating nutrient cycling by transforming nutrients held in dead biomass into forms that are easily utilizable by plants and microorganisms.

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What was Milton Friedman major contribution to economic theory?

Answers

Friedman favored free-market capitalism. The active monetary policy known as monetarism, in which governments regulate the amount of money in circulation, is named after him.

A large portion of the general public's understanding of the Depression, the Fed's stop-go monetary policy of the 1970s, flexible exchange rates, and the capacity of market forces to advance individual welfare were greatly influenced by Friedman, who is regarded as one of the greatest intellectuals of the 20th century.

Friedman believed that businesses should prioritize increasing shareholder value and proposed that "Greed is Good." Of course, shareholders may invest their money in any causes they choose, but Friedman thought businesses should concentrate their own efforts on maximizing value for shareholders. An economist from the United States named Milton.

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Extreme and absolute language of three cheers for the nanny state You are purchasing a 20-year, zero-coupon bond. The yield to maturity is 8.68 percent and the face value is $1,000. The interest rate is compounded semi-annually. What is the current market price? a. $106.67 b. $108.18 c. $182.80 d. $221.50 e. $228.47 Identify the following group of words: Change your password once every six weeks. A)command. B)statement. C)question. D)exclamation. How does the narrator view racism in mississippi compared to racism in other parts of the united states? my true south which of the following examples does not show a company guided by enlightened self-interest?a.Invests in long-term programs that provide assistance to their stakeholders. b. puts most of their effort into marketing schemes to attract more business. c. follows all government rules and regulations jo avold penalties and fines. d. spends money on short-term projects to benefit market stakeholders. At January 1, 2021, Canaday Corporation had outstanding the following securities:600 million common shares20 million 6% cumulative preferred shares, $50 par6.4% convertible bonds, $2,000 million face amount, convertible into 80 million common sharesThe following additional information is available:On September 1, 2021, Canaday sold 72 million additional shares of common stock.Incentive stock options to purchase 60 million shares of common stock after July 1, 2020, at $12 per share, were outstanding at the beginning and end of 2021. The average market price of Canaday's common stock was $18 per share during 2021.Canaday's net income for the year ended December 31, 2021, was $1,476 million. The effective income tax rate was 25%.1. & 2. Calculate basic and the diluted earnings per common share for the year ended December 31, 2021 A 1954 study of 1438 pregnant women examined the association between the woman's education level and the occurrence of unplanned pregnancies, producing these data:Education Level two capacitors are connected parallel to each otherr. let c1 = 2.70 f, c2 = 5.20 f, and vab = 60.0 v.,the potential difference across the system.Part A calculate the potential difference across each capacitorpart B calculate the charge on each capacitor true or false: if we understand how exchange rates are determined, we may be able to forecast exchange rate movements. A series RLC circuit has R = 20 k, L = 0.2 mH, and C = 5 F. What type of damping is exhibited by the circuit? \macbeth lists at least four reasons why he should not kill duncan, what is the one reason macbeth gives for actually going through with murdering king duncan? the following linear programming problem has _________________. max z = 6x1 16x2 subject to: 3x1 8x2 20 7x1 15x2 45 9x1 14x2 56 x2 3 x1, x2 0 we all now know about the dead zone and the role of decomposers. which one of the following is most likely one of the causative agents in the hypoxia seen in the gulf of mexico dead zone?a.streptococcusb.rhodococcusc.synechococcusd.bacillococcus as the weight density of a product decreases, transportation cost per pound: A study of patients with insulin-dependent diabetes was conducted to investigate the effects of cigarette smoking on renal and retinal complications. Before examining the results of the study, you wish to compare the baseline measures of systolic blood pressure across four different subgroups: nonsmokers, current smokers, ex-smokers, and tobacco chewers. A sample is selected from each subgroup; the relevant data are shown in the table below. Means and standard deviations are expressed in mm Hg. Assume that systolic blood pressure is normally distributed.n x? sNonsmokers 269 115 13.4Current Smokers 53 114 10.1Ex-smokers 28 118 11.6Tobacco Chewers 9 126 12.2a) Calculate the estimate of the within-groups variance.b) Calculate the estimate of the between-groups variance A 0.50 f capacitor is charged to 70 v. it is then connected in series with a 25 resistor and a 110 resistor and allowed to discharge completely. Which of the following genres was favored by the neo-Classicists of the early 20th century?A. the symphonic poem.B. the symphonyC. the program symphonyD. the concert overture 1. Kahoolawe is owned by the dole company. 2. Lanai is owned by the robinson family. 3. Niihau looks like a circle with a mountain in the middle. 4. Maui has no people. 5. Kauai has a special place to care for people with leprosy. 6. Oahu is the home of most of the people, of the capital, and of pearl harbor 7. Molokai 8 is the location of two active volcanoes. 8. Hawaii grows sugar cane and pineapple in a broad valley Tamera graphs the following points on a coordinate plane. P(3,-4) Q(-7,2) R(5,3) S(6,-1) Individual Problems 20-2 A colleague tells you that he can get a business loan from the bank, but the rate seems very high for what your colleague considers a low-risk loan. Use the following table to classify each explanation for the high rate as an instance of either adverse selection or moral hazard. Adverse Selection Moral Hazard Explanation for High Rate The bank cannot determine which borrowers are likely to pay back the loan and which are likely to default. The bank believes your friend, if given access to financing at low rates, would use the money frivolously. You advise your friend to sign a contract that restricts certain types of risky investments that he can undertake with the funds from the loan. Your advice is more likely to solve the problem of