which of the following correctly explains the actions an agent should take if a customer wants to apply for an insurance policy

The rate of osteoporosis is directly affected by the metabolism rate of vitamin D .

Osteoporosis causes bones to emerge as vulnerable and brittle — so brittle that a fall or maybe slight stresses such as bending over or coughing can reason a fracture. Osteoporosis-related fractures maximum commonly occur within the hip, wrist, or spine. Bone is dwelling tissue this is constantly being damaged down and changed.

There is no remedy for osteoporosis, however, the right treatment can assist defend and toughening your bones. those treatments can assist in gradual the breakdown of bone on your frame, and a few remedies can spur the boom of recent bone.

Further to causing permanent ache, osteoporosis causes some patients to lose their peak. While osteoporosis influences vertebrae or the bones of the backbone, it regularly leads to a stooped or hunched posture. Osteoporosis may also restrict mobility, which frequently results in emotions of isolation or melancholy.

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All of the following are considered phases of the management process except executing.

Because it completes a number of tasks, such as planning, organizing, staffing, leading, and controlling in a particular order, management is a process.

Planning, organizing, leading, and regulating are the four main tasks that managers must complete as part of the management process. Understanding that the management process is not always linear is crucial.

Planning, organizing, staffing, leading, and managing are the five general responsibilities that make up management at its most basic level. These five responsibilities are a part of a corpus of guidelines and management-related beliefs.

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To work with clients interested in time-shares, Grace can handle the recreational property.

Corresponds to a property controlled by a government agency that is intended for leisure and recreation activities, such as parks and ecological reserves, where individuals can make visits for the purpose of entertainment, education or fun, during a vacation, for example.

This type of property is intended for the leisure of the population, and may be charged a fee for maintenance of the area or have free entry.

Another category of recreational property is properties used periodically for leisure purposes, such as houses rented for summer seasons.

Therefore, as Grace is interested in working with clients interested in time-shares, the ideal recreational property for her to work with would be vacation properties, which are shared properties for periodic use at different times.

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Answer: Liability insurance

Explanation:

The source of sustainable growth comes from the country's productivity growth aligned with the growth of the workforce.

Economic growth comes from economic strategies and policies to encourage productivity, increasing a country's per capita income and GDP. It is essential that the country's government seeks to implement the economic sector by encouraging entrepreneurship, reducing bureaucratization and training the workforce.

Therefore, sustainable economic growth helps to maintain income, job opportunities and increase the quality of life of citizens.

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The USDA Farm Service Agency can offer direct loans to farmers and ranchers. The loans are funded by congressional appropriation.

The USDA Farm Services Agency (FSA) promotes efficient farms and ranches, reasonably priced food, fuel, and other agricultural products, as well as the protection of our natural resources.

In Tennessee, 59 county offices and 8 farm loan teams distribute farm loans, agriculture programs, conservation incentives, price supports, and catastrophe aid.

The Farm Service Agency (FSA) is a division of the United States Department of Agriculture (USDA) that offers effective and efficient agricultural programs to all Americans while also serving all farmers, ranchers, and agricultural partners.

Hence, The USDA Farm Service Agency can offer direct loans to farmers and ranchers. The loans are funded by congressional appropriation.

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A multi-step income statement is option(a) i.e, separates the cost of goods sold from operating expenses

An income statement, also known as a profit and loss account, is one of a company's financial statements and displays the company's receipts and outlays for a specific time period. It describes the process through which revenues are converted into net income or net profit.

An income statement's objective is to display a company's financial success over a specific time frame. It narrates the financial history of a company's operations. You may discover all of the revenue and expense accounts for a specific time period in an income statement.

The multi-step income statement breaks down a company's profits or losses for a particular reporting period. It provides a thorough evaluation of a company's financial performance. A company's operating revenue and operating expenses are separated by its non-operating revenue and non-operating expenses by its format.

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Investments in debt securities acquired principally for the purpose of selling them in the near term are classified as trading securities.

The definition of investment is an asset that is purchased or invested to build wealth and save money from hard-earned income or capital appreciation. The importance of investment is primarily to gain an additional source of income or to make a profit from the investment over a period of time.

Form of investment shares. Knead. Mutual funds and ETFs. bank product. option. Savings for pension, retirement, and education. Your investment allows you to be independent and not depend on other people's money when you need it financially. You can pay enough for your needs and desires in life.

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The statement is:

True , The conversion privilege entices investors to accept a lower interest rate than would normally be the case on a straight debt issue.

Convertible debt is a loan or debt obligation from an investor that is paid with equity or stocks in a company. Convertible debt is also known as convertible loans or convertible notes.

A convertible bond is a fixed-income corporate debt security that yields interest payments, but can be converted into a predetermined number of common stock or equity shares.

However, convertible bonds tend to offer a lower coupon rate or rate of return in exchange for the value of the option to convert the bond into common stock. Companies benefit since they can issue debt at lower interest rates than with traditional bond offerings. However, not all companies offer convertible bonds.

Hence , from the given scenario of the question the statement is TRUE.

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Most of the trading in bonds is conducted?

The correct answer is  electronically

"Electronic means," "technology," "technical means," and related terms include the Internet, Internet-based websites, all forms of Internet communications, email, facsimile communications, telephones, and all other forms. Includes, but is not limited to, long-term ones.

Examples of electronic records include email, websites, Word / Excel documents, digital sales receipts, databases, text messages, social media posts, SharePoint sites, and content management systems (Catalyst, Slack, DropBox, etc.) There is information stored. ).

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In international banking, a letter of credit is a promise by a bank to pay the seller a given amount if certain conditions are met.

How Does a Letter of Credit Work?

A letter of credit is frequently used in international trade to guarantee that a payment will be made to the seller promptly and in full, as guaranteed by a bank or other financial institution. In addition to requesting security from the buyer, the bank will charge a fee after providing a letter of credit, which is ordinarily a percentage of the letter of credit. Revolving, commercial, and confirmed letters of credit are a few examples of the different kinds of letters of credit.

What is the disadvantage of a letter of credit?

Inordinately costly, time-consuming, and laborious in terms of working capital and credit line usage. To satisfy the bank's coverage requirements for the buyer, additional security and collateral are required. Lengthy and time-consuming claims process that requires the seller to submit extra documents.

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The sale of equipment is $43,000.

All of the company's credit-based sales are tracked in the sales diary. These sales are typically made up of inventory sales or sales of other goods. Keep in mind that the sales diary only records credit sales of inventory and product goods. Inventory cash sales are noted in the cash receipts journal. As an illustration, a business completes a $1,000 credit sale with a 5% sales tax. The cost of the sold goods is $650. Accounts receivable for $1,050 is the sales journal entry.

(journal entries are in the attached image)

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Schedule time according to their timezone.

Even supposing it is a slight interaction, it's fine to have a completely open conversation with your customers. They may recognize you checking in, and this may additionally set up agree with your capacity to deal with tough circumstances and important business decisions.

Maintain all personnel in the loop. Provide particular assignments. give clean priorities if employees are juggling a couple of responsibilities. provide clear expectancies around satisfaction, deadlines, budget, and technique, which is in all likelihood to appear exclusive with so much of the workforce suddenly full-time WFH.

A schedule or a timetable, as a simple time-control device, consists of a list of instances at which possible responsibilities, activities, or actions are meant to take area, or of a series of events within the chronological order wherein such matters are supposed to take place.

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Profit margin is 25%

Given net income is $10,000 and sales is $40,000.

Cost = Sales - net income

       =$40,000-$10,000

       =$30,000

Profit margin to be computed.

Profit margin measures how much the  money a firm or the business activity produces by dividing income by the revenues. Profit margin, given as a percentage, is basically the number of cents earned for every dollar of the  sales.

Profit margin is computed with the formula given below:

Profit margin= Revenue-Cost / Revenue

                     = $40,000- $30,0000/ $40,000

                     = 0.25

                     =25%

Therefore,  the correct option of the profit margin is c. 25%.

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In 2017, the government spent the least amount of money on: Health and Human Services Department.

Government spending can be defined as the amount of money government spent to purchase or acquire goods and services or provide services to the people.

Hence, in the year 2017 the government spent the least amount of money on Health and Human Services Department discretionary spending category compare to others department.

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Answer: Health and Human Services Department

Explanation:

Only $74 billion were spent which is 1.8%, this is the least amount of money spent in the graph.

To force the value of the British pound to depreciate against the dollar, the federal reserve should sell pounds for dollars on the currency exchange market, and the Bank of England should also do the same.

The Bank of England should swap pounds for dollars on the foreign exchange market.

If the price of GBP/USD increases from 1.2700 to 1.5000, the dollar's value is said to have decreased and the value of the pound to have increased since more dollars are needed to purchase the same amount of pounds. This is also known as a strengthening of the pound and a weakening of the dollar.

The foreign exchange market, often known as the currency market or the over-the-counter (OTC) market, is a global decentralised marketplace for trading currencies. The exchange rates for all currencies are set by this market. All elements of purchasing, selling, and exchanging currencies at the current or determined prices.

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The dollar have strengthened against the Mexican pesos, If the same amount of Mexican pesos are available for lesser dollar then this means that the Dollar have increased worth or the Mexican pesos worth is decreased.

An exchange rate is a rate at which a currency can be translated into some other currency, generally a currency is considered strong when a small amount of that currency can buy a large amount of the other currency.

The Mexican pesos are 100 for the exchange of 1 USD which means that the dollar is a strong currency. But this is not just the case in fact the Mexican pesos in 2010 can only be exchanged for a 0.87 USD which suggests that the Mexican pesos worth is decreased.  

There are countries in the world whose currency is so low and they exchange large amounts for a single USD.

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Salvage is a type of operation that involves methods and operating procedures that are aimed primarily at the reduction of primary and secondary damage incurred during fire suppression activities.

What is fire suppression activity?

All actions are taken to contain and put out a fire after it has been discovered, including immediate attack, sustained attack, limited action, delayed action, and observation and monitoring.

Any fire can be put out by cooling it down, covering it, starving it, or stopping the combustion process altogether. Cooling with water is one of the most typical ways of putting out a fire.

Salvage covers tasks that must be completed in order to avert both direct and indirect fire damage as well as to lessen the impact of firefighting operations. Losses resulting from water, smoke, and firefighting activities are included.

The purpose of Salvage is to lessen the damage caused by a fire's heat, smoke, water, cold, or whether both during and after the fire.

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TechSmart managers are implementing distributive justice.

Employees experience distributive justice when they think that results are fair. These results can be measurable, like pay, or intangible, like appreciative remarks. In the event that staff members feel fairly compensated or handled, distributive justice is achieved. When equal effort does not result in equal rewards or when a person or group obtains an excessive amount of goods, distributive justice is lacking.

When equals enjoy the same distribution of benefits, distributive justice has unquestionably been attained. In a constitutional democracy, governmental policies that guarantee social security or healthcare to all retirees and the old are examples of distributive justice.

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An example of blockbusting is causing panic selling by telling people that value in a neighborhood will decline due to the purchase of homes by minorities.

blockbusting can be regarded as the act of profiteering through  inducing property owners to sell hastily  which do occur at a loss by appeals to fears of depressed values.

In this case, An example of blockbusting is causing panic selling by telling people that value in a neighborhood will decline due to the purchase of homes by minorities.

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This takeover is called an expropriation.

As the definition says, the potential takeover of a firm's assets by the government of a foreign country is a risk peculiar to enterprises having direct involvement in that country.

Therefore, this takeover is called a(n) expropriation.

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The next step for Karissa is to collect data.

Locating and defining issues or problems is the first step:

The goal of this stage is to define the parameters of a situation or subject that needs to be resolved or researched. The researcher should consider the study's objectives, pertinent prior knowledge, the information that is required, and how the information will be used in decision-making when describing the issues or problems.

Creating the research project is step two:

This step focuses on developing a research strategy or overarching approach to how you will address the stated issue or problem. A framework or blueprint for carrying out a research undertaking is a research strategy or approach. It describes the steps required to get the needed data, and its goal is to create a study that will test the relevant hypotheses, find potential solutions to the research problems, and offer the data required for making decisions.

Data Collection is the third step:

This step focused on gathering the data you'll need to address the issue or problem you identified. Experiments, observations, human interviews, telephone or computer-assisted telephone interviews from an office, and postal surveys are all possible methods for gathering data.

Analyzing Research Data is the fourth step:

In this step, the research findings will be interpreted, examined, and analyzed in order to reach a conclusion that resolves the problem. Make sure the conclusion is clear and well-thought-out in light of the information gathered.

Present Your Research Results is step five:

Reporting the research results to individuals who require the information to make decisions is the last stage. The findings ought to be presented in an understandable way so that decision-makers can quickly utilize them. In order to increase impact and clarity, a spoken presentation to management should also include tables, figures, and graphs.

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If the buyer pays 50% of the transfer taxes, the seller's transfer tax for the sale of a $400,000 home is $800.

A transfer tax is a charge imposed by a city or state when the title to a real estate or property passes from one owner to the next.

In some states, the transfer tax is borne 100% by the seller.  In some other states, the buyer and the seller may be collectively liable for the transfer tax.

                                City            State

Transfer tax rate   $0.001      $0.003 ($1.50/$500)

Transfer tax ($)      $400        $1,200 ($400,000 x $0.003)

Total transfer tax = $1,600

Amount paid by buyer = $800 ($1,600 x 50%)

Amount to be borne by seller = $800 ($1,600 - $800)

Thus, if the buyer pays 50% of the transfer taxes, the seller's transfer tax for the sale of a $400,000 home is $800.

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As the company recently changed its business model from just selling explosives to managing an entire blast in a quarry. This customer-solution-based approach to the sale of explosives is an example of systems selling.

Systems selling is the practice of offering linked products or services as a unit rather than individually or independently. Products that are combined under systems selling are typically complementary products.

Therefore, This customer-solution-based approach to the sale of explosives is an example of systems selling.

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The difference between production possibilities frontiers that are bowed out and those that are straight lines is that, "Bowed-out production possibilities frontiers illustrate increasing opportunity cost, and straight line illustrate constant opportunity cost."

When the Production Possibilities Curve(PPC) is a straight line, opportunity costs are the same no matter how far you move along the curve.

When the Production Possibilities Curve(PPC) is concave, bowed out, opportunity costs increase as you move along the curve. Whereas, straight line illustrate constant opportunity cost.

Hence, the answer was given and explained above.

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Those who provide financial capital must make two major choices: how much money to set aside and how to allocate it among various financial investments.

What kinds of factors will shift the demand and supply of financial capital?

People must consider their future needs to determine how much savings they should set aside for anticipated or unforeseen circumstances. Savings will move their money to Investment B if Investment A becomes riskier or offers a lower return, which will cause the supply curve of financial capital for Investment A to move back to the left while moving Investment B's supply curve to the right. Those that ask for financial resources do so because they intend to repay it in the future. People might, for instance, take out a loan to buy a house, a car, or another type of long-term possession. To create a factory or finance a project that won't pay off for five, ten, or even more years of research and development, a corporation may look for financial investment.

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As interest rates will shift the aggregate demand curve to the left and decrease output demanded.

The interest rate is the amount that the lender charges the borrower and is the principal - a percentage of the loan amount. Loan interest rates are usually quoted on an annual basis known as the annual rate (APR).

Interest rate shows the exact amount of interest a person earns or pays on a loan. For example, a $100 loan with a nominal interest rate of 6% accrues interest of $6 ($100 X 0.06). The interest rate stays the same no matter how much you borrow. Even if the loan increases to $1,000, the borrower still pays 6%.

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There are a number of benefits when a business is registered, the main benefits are, limited liability and can open company bank accounts.

A company if registered as a limited liability is a company which can have a bank account on the company's name and also the owners of the company is entitled for the limited liability.

The limited liability is the waiver of liability from the owner of the company, when a company is registered as a limited liability it is separate from its owners and the owners are not personally liable for any losses made by the company.

In a case of a bankruptcy the owners will not pay the creditors of the company from their personal assets. However the company is liquidated and the creditors are paid off by the assets of the company.

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Denisha cautioned against doing this because differences in languages, customs, and culture might make the campaign meaningless and ineffective in some markets.

Although it is understandable for the client to want to roll out the same campaign if it was a successful one, Denisha is right to prevent it from happening. The campaign being successful in the United States does not mean it will do well in other countries.

The reason for that are the cultural differences among countries and societies. What is a need in the American market might not be a need in the Brazilian market. What is a want in the European market might not be a want in the Chinese market.

Thus, the campaign should be revised and altered according to the country where it will be carried out. A proper study of the audience or market should be conducted before doing so.

With the information above in mind, we can select option E as the correct  answer.

The missing answer choices for this question are the following:

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Internal controls are used to protect the assets of the company  internally, generally by preventing manipulation, false accounting or in general fraudulent activities of the employees.

Preventative controls are those controls which are  set in place to prevent overall fraudulent attempts or to minimize the chances of dishonest efforts from being happen in any organization.

Example is when the fraud is prevented when  two or more employees in a company are performing accounting tasks.

A layered approach of overall security including both the preventive as well as internal controls constitutes a defense in depth strategy.

Security controls are tested and verified through the defense in depth strategy.

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