A curve that is derived by summing horizontally individual demand curves is called market demand curve.
The quantity acquired by all buyers and sellers total of the individual demands—gives "the market demand for each price". Because the sum is calculated over the quantities for each price, this is commonly referred to as a "horizontal sum". The horizontal (quantity) sum of each individual supply curve represents the market supply.
The market demand curve is just the horizontal addition of each consumer's particular demand curves for lattes. When you sum horizontally, you are totaling amount demanded rather than price. You must multiply the quantity by the total market demand at each price point.
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Strickland Corporation has invested in debt securities. Strickland intends to actively buy and sell this investment for profit. This investment is classified as:
The answer is trading security.
A corporation that trades securities buys them with the intention of making a quick profit.
Companies will only invest if they think there is a good chance they will be compensated for the risk they are taking because they do not intend to hold such securities for an extended period of time.
If a corporation finds an undervalued security and wishes to take advantage of the chance, it may decide to speculate on various debt or equity assets.
Debt securities and equity securities are both included in the category of securities known as trading securities.
Hence, in the given case where Strickland Corporation has invested in debt securities. Strickland intends to actively buy and sell this investment for profit. This investment is classified as trading security.
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The aging of accounts receivable method of determining bad debts expense is based on the knowledge that the longer a receivable is past due, the more likely it is to be collected. Group startsTrue or False
False
Which method for estimating bad debts is generally considered to be the most accurate?Bad debt is a cost of extending credit to customers. Loans or unpaid balances that must be written off because they are no longer considered recoverable are referred to as bad debt. As there is always some default risk associated with offering credit to customers, this expense is a cost of doing business with them.
Since it is a temporary account, at the conclusion of the accounting period, its balance is closed (reduced to zero).
The proportion of credit sales approach is typically thought to be less accurate than the aging of accounts receivable method. In general, the longer a receivable stays unpaid, the less probable it is to be paid, and this is taken into account by the aging of accounts receivable approach.
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Sending birthday greetings and discounts based on customer profile data is considered to be ________________________ in database-driven marketing communications.
Sending birthday greetings and discounts based on customer profile data is considered to be personalized communications in database-driven marketing communications.
What do you understand by personal communication?
Personal communications may be private letters, memoranda, emails, personal interviews, or telephone discussions. As the material cannot be accessible by others, personal communications are only cited in the text and are not listed in the references.
What involves the use of databases to customize communications to customers for the purpose of promoting a product or service?
Database marketing is a type of direct marketing that uses customer or potential customer databases to create personalized messages to market a good or service.
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A business cycle is best defined as economic fluctuations around trend growth.
a. True b. False
A business cycle is best defined as economic fluctuations around trend growth. This statement is true.
Business cycles are a sort of variation that may be found in the overall economic activity of a country.
A business cycle is made up of expansions that occur roughly at the same time in many different economic activities, followed by contractions that are similarly widespread (recessions).
This series of modifications is periodic but not recurrent.
Business cycles are made up of coordinated cyclical upswings and downswings in output, employment, income, and sales, which are four broad indices of economic activity.
In the business cycle, expansions and contractions alternate (also called recessions).
Recessions frequently begin at the business cycle's high, when an expansion comes to an end, and finish at its trough, when the following expansion starts.
Hence, the statement "A business cycle is best defined as economic fluctuations around trend growth." is true.
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A business cycle is best defined as economic fluctuations around trend growth: True .
Reason: A business cycle is ups and downs of output around its trend.
A business cycle is a cycle of fluctuations in the Gross Domestic Product (GDP) around its long-term natural growth rate. Business cycles chart the ups and downs of an economy, and understanding them can lead to better financial decisions.
The four stages of the business cycle are expansion, peak, contraction, and trough. Factors such as GDP, interest rates, total employment, and consumer spending, can help determine the current stage of the economic cycle.
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The model of organizational change that helps change agents diagnose the forces that drive and restrain proposed change is ______.
The model of organizational change that helps change agents diagnose the forces that drive and restrain proposed change is Lewin's force field analysis model.
Force field analysis provides a framework for examining the factors that influence situations that are social in nature. Deal with forces that propel movement toward a goal or block movement toward a goal.
Lewin's force field analysis is used to distinguish which factors within a situation or organization move a person toward or away from the desired state and which factors are counteracting the driving force. You can analyze these and make decisions that are more amenable to change.
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______ analysis can compare two or more datasets to identify patterns and trends. Multiple choice question. Aggregation Comparative Data Competitive
B) comparative analysis can compare two or more datasets to identify patterns and trends.
Comparative analysis is the manner of evaluating objects to one another and distinguishing their similarities and variations. Whilst an enterprise wants to analyze a concept, hassle, principle, or question, conducting a comparative analysis permits it to higher apprehend the problem and form techniques in response.
It is a method of comparing more items with the concept of uncovering and coming across new thoughts about them. It often compares and contrasts social systems and strategies around the arena to understand widespread styles. The comparative analysis attempts to apprehend the have a look at and provide an explanation for every element of facts that comparing.
As we learned, a comparative analysis is a sort of statistical technique whereby or more datasets are as compared to determine their consistency with each other. It could additionally validate a scientific investigation or speculation that wishes to be examined.
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Which of the following is a coverage that is broad because it can cover personal as well as commercial entities
Specialized Coverage is coverage that is broad because it can cover personal as well as commercial entities.
A business is a commercial for a commercial enterprise. industrial activity is selling goods or offerings for earnings. there may be additionally commercial buying and selling within the ahead and futures markets, typically performed for heading purposes.
A Commercial is defined as paid marketing. An instance of a business is a commercial for soda or cereal.
Commercial means involving or relating to the buying and selling of goods. In its heyday, the city was a major center of industrial and commercial activity.
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the graph to the right depicts the per unit cost curves and demand curve facing a shirt manufacturer in a competitive industry
Firms will continue to join this market until the industry as a whole begins to make a typical economic profit. To encourage new enterprises to enter the market, short-term profits motivate them to do so. In the long run, businesses will produce a normal or even negative economic profit.
What is a competitive industry?Companies may join and depart the market easily in a competitive sector since there are minimal barriers to entry.
Generally, the equation for Profit per unit is mathematically given as
P= Price - ATC
Therefore
P= $7.49 - $6.63
P= $0.86
In conclusion, Profits in the short term encourage new businesses to join the market. Firms will make a typical or even negative economic profit in the long term.
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which is a way to increase your net worth
Ways to increase your net worth are
Contribute more money to your retirement fund.Reduce your spending.It's time to get rid of high-interest loans.Make a contingency fund. This is further explained below.What is net worth?Generally, taking into consideration all financial assets and obligations of a person/company/household.
In conclusion, Consolidate or renegotiate your debts.
Keep your vehicles for as long as you can.
Boost your wages
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When companies like delta and united decide to end their benefits agreements with the nra, what kind of selective benefits of the nra are they targeting?
The answer is material benefit.
A material benefit is any right or interest in any property, whether heritable or movable, corporeal or incorporeal.
Delta and United Arab Airlines gave cheap airfare for members of the National Rifle Association who attended the pro-gun groups convention. The Delta airline discount ranges from 2% to 10%. These reductions are significant benefits since NRA members pay less plane ticket than the rest of the travelers while attending pro-gun groups meetings, which are intended for debate of gun control issues, such as strict background checks.
Therefore, the answer is material benefit.
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Assume the nominal rate was 11.50% and the inflation rate was 3%. Using the Fisher Effect, what was the real rate
The real rate was 8.25%.
Real rate = 8.25%
Dear Student
Thank you for using Chegg
Please find below the answer
Statement showing Computations
Particulars
Fisher formula is (1 + nominal rate) = (1 + real rate) x (1 + inflation rate),
(1+.115) = (1 + realrate) *(1+.03)
(1.115) = (1 + realrate) *(1.03)
1.0825 = 1 + real rate
Real rate = 8.25%.
The nominal interest rate (or interest rate) is the rate of increase in money you pay lenders using borrowed money. Nominal interest rates are often used by banks to represent interest rates on various loans and investments. For example, if your loan has a nominal interest rate of 5%, you can expect to pay $50 in interest for every $1,000 you borrow. At the end of the year he will pay $1,050.
The real interest rate is the interest rate that takes inflation into account. This means it is adjusted for inflation and reflects the real interest rate of a bond or loan. Simply put, this rate reflects the rate of return after taking inflation into account.
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An international retail food company coordinates its consistent strategic marketing message for a new sandwich through marketing tools such as sales promotions, digital marketing, advertising, and public relations campaigns. What impact could the coordination of that message have on the company’s target market?.
Answer:
DT-19 I will call u later in evening and good night sweet dream take care and have fun in that
If a company is using the indirect method to prepare the statement of cash flows, a decrease in the inventory account should be reported as:
If a company is using the indirect method to prepare the statement of cash flows, a decrease in the inventory account should be reported as a decrease in cash flows from operating activities.
An indirect method to prepare the statement of cash flowsThe statement of cash flows is prepared indirectly by adjusting net income for changes in balance sheet accounts in order to determine the amount of cash generated by operational activities.One of the parts of a firm's set of financial statements, the statement of cash flows, is used to show where a company gets its money from and what it does with it. It provides details on the cash generated by operations and the impact of various balance sheet modifications on a company's cash position.The indirect mode of presenting is particularly common since the data needed for it can be gathered rather quickly from the accounts that a company typically has in its chart of accounts.To learn more about the indirect method to prepare the statement of cash flows refer to:
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A recession within a nation will _________ imports directly, but the impact on the national economy is negative.
A recession within a nation will reduce imports directly, but the impact on the national economy is negative.
Monetary policy. monetary policy consists of the steps the central bank of a nation can take in order to regulate the nation's money supply. For example, a central bank might reduce interest rates during a recession in order to make loans more readily available to other banks and thus stimulate economic recovery.
During a recession, the economic struggles, people lose work, companies make fewer sales, and the country's overall economic output decline. The point at which the financial system officially falls right into a recession relies upon an expansion of things.
Monetary policy can offset a downturn due to the fact that decreased interest rates reduce consumers' cost of borrowing to shop for large-ticket objects such as cars or homes. For firms, the economic policy also can reduce the value of an investment.
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Cocaine, __________, and heroin freely available to adults could be used by youngsters as easily as cigarettes and alcohol are.
Cocaine, methamphetamine, and heroin are freely available drugs to adults and could be used by youngsters as easily as cigarettes and alcohol.
Drugs
The above pharmaceuticals are all instances of TERATOGENS. Teratogens are chemicals that lead to embryonic deformity and birth abnormalities in newborns. Teratogens come in many forms, including medications, chemicals, radiation, maternal infections, etc. These drugs have a variety of effects; they can immediately end a pregnancy or result in an improperly formed child. Thus, the intake of drugs has to be banned.
Any chemical or action that prevents a fetus from developing normally while it is inside the mother is considered a teratogen. Examples include medications (both prescription and over-the-counter), toxins, maternal undernourishment, infectious infections, etc.
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The costs of direct materials, direct labor, and overhead for partially completed products are known as:
The costs of direct materials, direct labor, and overhead for partially completed products are known as total manufacturing costs.
Direct material costs are the costs of raw materials and parts used to manufacture products. The materials must be clearly identifiable in the resulting product (otherwise they are considered community costs). Direct material costs are one of the few variable costs associated with the production process.
Therefore, it is used to derive the throughput from the production process. The throughput is the revenue minus all fully variable costs. Examples of direct materials include wood used to build houses, automobile steel, radio circuit boards, and fabrics used to assemble garments.
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Select the correct answer from each drop-down menu. Kevin is a store manager and has employees from diverse cultures reporting to him. He has often seen Marcos having arguments with his colleagues, Kwa Lee and Gaurav. What can Kevin do to ensure that there is team spirit and effective communication amongst all? Kevin can first be aware of his own attitude to diversity . He can also assess Marcos and him to change his behavior toward his other colleagues. He can also think of putting them together into similar departments to encourage .
Kevin leads in an autocratic manner since he just cares about his work. He seldom ever notices his subordinates. He doesn't even compensate the workers for their efforts.
Autocratic or authoritarian behavior as a leadership style.
An authoritarian leader consolidates his own personal control over both decision-making and authority. Without speaking to the workforce, he gives directions and assigns endeavors and liabilities. The pioneer assumes all authority and responsibility.
Negative leadership that relies on threats and punishment is autocratic.
Subordinates go about as he coordinates. He neither really focuses on their perspectives nor licenses them to impact the choice. He accepts that due to his position he alone can conclude what is best in a given circumstance.
Close oversight, unambiguous guidance, and directing requests from the majority are the foundations of autocratic leadership. It functions with quick decisions, brief activity, and heading unity. A lower level of appointment is required. Nevertheless, an excess of purpose of power could result in strikes and current debates. It makes sense to instill dissatisfaction and impede the growth of the employee limit.
Kevin leads in an autocratic manner since he just cares about his work. He seldom ever notices his subordinates. He doesn't even compensate the workers for their efforts. Individual control over all choices and little participation from the group are traits of his behavior. He frequently disregards advice and makes decisions based solely on his opinions and judgments.
These sorts of choice include the utilization of power gave on the singular taking the choice by the association's design. Hierarchical decisions are those decisions taken simply in light of a legitimate concern for the association. Directors are given the authority by the firm to settle on decisions in light of a legitimate concern for the association. Notwithstanding, this authority doesn't concede them the ability to pursue individual decisions. It should likewise be perceived that while hierarchical decisions can be assigned, individual decisions can't be appointed.
To explain further the concession among individual and hierarchical choice, let us think about the accompanying model. James Harrison was terminated by the supervisor since he didn't submit to the principles of the organization. This would be an authoritative choice. In any case, assuming James Harrison was terminated essentially on the grounds that the director loathed him for not a great explanation connected with the organization then that would be an individual choice. An authoritative choice is customized yet an individual choice is non-modified.
Functional:
Typically, judgments related to everyday activities are made functionally. These kinds of tailored choices are, by definition, meant to help the organization achieve short-term objectives. Chiefs at lower and middle levels typically make these decisions. Functional decisions must be made within the framework of the organization's established practices. As a result, those that must accept functional option are allowed to exercise their very own constrained utilization caution and drive.
Simple functional decisions, such regularly procuring writing materials and other natural resources, are designed to have an impact on a certain area or division of the company. As we can see, making such a decision will only affect the buying department.
Strategic Decisions:
It is implied that decisions involving important but one-time issues qualify as critical decisions. These decisions are made using a variety of administrative skills, wisdom, and experience. Not at all like functional choices, important decisions worry the firm's drawn-out points. When making a crucial decision, the person or group making it must carefully consider how the company association and its current situation are related. Important judgments are less secure in nature since the climate is constantly changing. Another reverence among important and practical choices is that crucial judgments are made by senior management.
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Answer: The Answer is diversity, Counsel, and Interactions.
Explanation:
This is correct, I just took the test. :)
Bond P is a premium bond with a 10 percent coupon. Bond D is a 5 percent coupon bond currently selling at a discount. Both bonds make annual payments, have a YTM of 7 percent, and have five years to maturity. What is the current yield for Bond P and Bond D
Let Bond par value be 1000
Bond P:
Coupon rate=10%
YTM=7%
time=9 years
Calculation of current price:
Particulars Year Amount PV Factor YTM=7% Present value
Ineterest 1-9 years 100 6.515232 651.52
Value 9 1000 0.543934 543.93
1195.45
Current price =1195.45
Current yield=Annual interest based on coupon rate*100/current price
The current yield of Bond P=100*100/1195.45=8.37%
Bond D:
Coupon rate=5%
YTM=7%
time=9 years
Calculation of current price:
Particulars Year Amount PV Factor YTM=7% Present value
Interest 1-9 years 50 6.515232 325.76
Value 9 1000 0.543934 543.93
869.69
Current price =869.69
Current yield=Annual interest based on coupon rate*100/current price
The current yield of Bond D=50*100/869.69=5.75%
Capital gains yield
current price bond P=1195.45
Next year's price bond P=100°5.971299+1000*0.582009=1179.14
The capital gain yield on bond P=(next year price-current price)/current price
=(1179.14-1195.45)/1195.45
=-1.36%
current price bond D=869.69
Next year's price bond D=505.971299+1000*0.582009=880.57
The capital gain yield on bond D=(next year price-current price)/current price
=(880.57-869.69)/869.69
=1.25%.
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If you were running an advertising campaign for designer men's suits, you should target families with Multiple Choice higher incomes. poor taste in clothing. lower incomes. similar tastes and preferences.
Higher incomes
You should target families with higher incomes.
How do you determine the target market and target audience?Companies segment the market to determine the target audience, then create marketing plans for each group of customers to tailor the offerings to their needs. Based on research into market sectors with the most potential for the business, the target market is selected. A company could concentrate on multiple demands and choose a primary and secondary objective. In this instance, the business concentrates on targeting families with higher incomes and allocates the majority of its resources to them.
Your target market seems to be a very difficult thing to define. But if you divide the procedure into several parts, you may quickly identify the appropriate market niche.
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Which u.s. organization conducts an ongoing national compensation survey measuring wages, salaries, and benefits paid to the nation's employees?
The U.S. organization that conducts an ongoing National Compensation Survey measuring wages, salaries, and benefits paid to the nation's employees is the Bureau of Labor Statistics. The Bureau of Labor Statistics is the principal fact-finding agency for the Federal Government in the broad field of labor economics and statistics.
What is a National Compensation Survey?National Compensation Survey is done by the Bureau of Labor Statistics in the US Department of Labor. The National Compensation Survey gives detailed measures of occupational earnings; compensation cost trends, benefit incidence, and detailed plan provisions. It is used to adjust the federal wage schedule for all federal employees.
Therefore, the correct answer is as given above
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Which of the reasons to network is most important for high school students interested in hospitality?
o being a source of contacts to share with professionals
o developing friendships that may lead to business referrals
o gaining confidence in speaking with industry professionals
sharing specific products and services they can offer to others
The reason to network is most important for high school students interested in hospitality is C. gaining confidence in speaking with industry professionals.
Why is networking important in the hospitality industry?Networking in the hospitality industry gives one the chance to learn from the experience of professionals.
Without networking, students may find it difficult to interact with experienced professionals in the hospitality and tourism industry.
Networking in the hospitality industry helps the students interested in hospitality to:
Host parties.Attend social events.Form partnerships.Build strong brand awareness.Participate in a networking group.Utilize informal discussions.Create a robust social media presence.Reach out to industry professionals.Thus, students network to gain confidence with industry professionals.
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Assume that projects alpha and beta are mutually exclusive. the correct investment decision and the best rational for that decision is to?
The best rational decision is to invest in project Beta, since NPV Beta > NPV Alpha
What is the best rational decision?
Net present value is the present value of after-tax cash flows from an investment less the amount invested. Only projects with a positive NPV should be accepted. A project with a negative NPV should not be chosen because it isn't profitable.
When choosing between positive NPV projects, choose the project with the higher NPV first because it is more profitable.
NPV can be calculated using a financial calculator
NPV calculation for project alpha:
Cash flow in year 0 = -79
Cash flow in year 1 = 20
Cash flow in year 2 = 25
Cash flow in year 3 = 30
Cash flow in year 4 = 35
Cash flow in year 5 = 40
I = 17 %
NPV =$12.01
NPV calculation for project beta:
Cash flow in year 0 = -80
Cash flow from year 1 to 7 = 25
I = 14%
NPV = 27.21
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A change in the demand for Godfather's Pizza would not be caused by a change in the: Group of answer choices price of Scarface's Pizza. price of Godfather's Pizza. All of the available options cause a change in the demand for Godfather's Pizza. popularity of Godfather's Pizza. buyers' income.
A change in the demand for Godfather's Pizza would not be caused by a change in the Buyers Income.
A good for which demand will decrease when buyers' incomes increase. goods that can replace each other; when the price of a good increase, the demand for its substitute will increase. goods that tend to be consumed together; when the price of a good increases the demand for its complement will decrease.
According to reports, Pillsbury purchased The Godfathers Pizza largely by accident. Godfathers were part of Diversifoods Inc., a conglomerate that includes over 300 Burger King franchises. Pillsbury wanted Burger King, and then came The Godfather's chain of over 800 pizzerias.
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the nurse is helping a mother breast-feed her newborn. which activity by the infant is the best indicator that effective
The mouth covers most of the areolar surface of the breast is the best indication by infant during breast feeding.
Effective attachment involves covering most of the areolar surface of the breast with the newborn's mouth; effective attachment helps compress the milk glands.
What is breast feeding?The procedure through which a kid is fed human breast milk is known as breastfeeding or nursing. Breast milk may come directly from the mother's breast, expressed by hand, or pumped and given to the child.Breastfeeding should start during the first hour of a newborn's life and should continue as frequently and as much as the baby desires, according to the World Health Organization (WHO). The WHO and other health organizations advise solely breastfeeding for six months.The WHO recommends exclusive breastfeeding for the first six months of life, followed by continued breastfeeding with suitable complementary foods for up to two years and beyond.Of the 135 million babies born each year, only 42 percent are breastfed within the first hour of life, only 38 percent of mothers practice exclusive breastfeeding during the first six months, and 58 percent continue breastfeeding with appropriate complementary foods for up to two years and beyond.know more about breast feeding
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__ is the automated process of sending personalized and relevant content to prospects to build their trust, making it more likely that they will eventually make a purchase.
Lead nurturing is the automated process of sending personalized and relevant content to prospects to build their trust, making it more likely that they will eventually make a purchase.
Lead nurturing is the process of establishing and upholding connections with clients at every stage of their customer journey, typically via marketing and communications messages.
Software is used in automated lead nurturing to send messages in response to consumer activity or pre-set schedules.
Automation solutions also notify marketers of consumer queries and comments that require responses, as listening to potential customers and answering their inquiries are essential components of nurturing leads.
A program for lead nurturing that is effective concentrates marketing and communication efforts on listening to prospects' needs and meeting those needs by:
Develop trustamplify brand awarenessKeep in touch with prospects until they are prepared to make a purchase.Hence, Lead nurturing is the automated process of sending personalized and relevant content to prospects to build their trust, making it more likely that they will eventually make a purchase.
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A higher residual value will result in a(n)____depreciation expense per year and a(n) net income.
A higher residual value will result in a lower depreciation expense per year and a higher net income.
Income is an opportunity for consumption and savings that a company earns within a specific time frame and is usually expressed in monetary terms. Income is difficult to define conceptually, and definitions vary by region.
The term "income" generally refers to the transfer of money, property, and other values received over a period of time in exchange for a service or product. There is no single standard definition. Income is defined according to the context in which the concept is used.
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A business in Italy purchased 200 Kazuri necklaces at a cost of 481 720 Kenyan
Shillings (KES).
In February 2020 the exchange rate was 1 euro (€) = 120.43 KES.
(i) Calculate the cost of buying the 200 Kazuri necklaces in euros in February
2020. You are advised to show your working.
Explanation:
200kazuri was bought 481720ksh
in 20201 euro was = 120.43kes
to get the money in euro u get 481,720/120.48
Ans =4000
200 kaziri was bought by 4000 euro
Is/are also called factors of production since they are transformed into output during the production process?
Land, labor, entrepreneurship and capital are called factors of production since they are transformed into output during the production process.
Factors of production are needed for the production of goods or a service.
Land as a factor of production include the every type of land and the various goods received from it such as oil, gold etc. It can be agricultural land to any real estate commercial land.
While defining labor as factor of production we use their potential to work.
Capital includes money used for performing various functions of production. It is the primary driver of the production.
Entrepreneurship is that element which combines all other factors of production to form a single product or service.
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Stryker Industries received an offer from an exporter for 29,000 units of product at $19 per unit. The acceptance of the offer will not affect normal production or domestic sales prices. The following data are available: Domestic unit sales price $21 Unit manufacturing costs: Variable 10 Fixed 3 The differential cost from the acceptance of the offer is a.$87,000 b.$609,000 c.$290,000 d.$551,000
The differential cost from the acceptance of the offer is $2,90,000
Consider the incremental Costs and Revenues arising from Acceptance of the Offer.
Note : Fixed Costs are irrelevant for this decision as order is accepted within normal production capacity of Stryker Industries
Sales (29,000×$19) $ 5,51,000
Less Variable Manufacturing Cost (29,000×$10) (2,90,000)
Net Income 2,90,000
Therefore acceptance of offer would result in incremental income of $ 2,90,000.
What is the Incremental Income?
Incremental revenue is the profit a business gains from an increase in sales. It can be used to determine the additional revenue generated by a certain product, investment or direct sale from a marketing campaign when the quantity of sales has grown. Incremental revenue is often compared to the cost of a product.
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To obtain a business license, bess writes a check to a certain state agency. Bess is?
To obtain his business license, Bess writes a cheque to a certain state agency. Bess is the drawer.
A business license grants Bess the right to start and run a particular type of business in the city, state, county, or country that issues it. It is a type of permit indicating the company has the government's approval to start and operate.
There is a procedure to be followed in order to obtain a business license. Thus, Bess writes a check to a certain state agency in order to obtain his business license.
The maker of a bill of exchange or cheque is called the drawer. Hence, when Bess writes a cheque to a certain state agency he is called the drawer.
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