if you purchase a house worth $110,000 and make a 10% down payment, how much would 1 mortgage point cost at closing?

This is not an example of a barrier to entry A. Ted owns the best seafood restaurant in a popular resort area. He charges high prices because the quality of the food is so good.

A barrier to entry refers to any obstacle that prevents a new competitor from entering a market or industry. Barriers to entry can be legal, economic, or even technological, and they make it difficult for new firms to compete with established ones. Option A is not a barrier to entry because it merely represents a successful business that offers a high-quality product at a high price. While it may deter some potential competitors, it doesn't prevent them from entering the market. New entrants could also open their seafood restaurants and offer different pricing strategies or unique dishes to compete with Ted's restaurant.

In contrast, options B, C, and D are examples of barriers to entry:

In summary, option A is not an example of a barrier to entry, while options B, C, and D are.

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which of the following is not an example of a barrier to entry?

A. ted owns the best seafood restaurant in a popular resort area. he charges high prices because the quality of the food is so good.

B. jackies owns the copyright to a popular song. she receives royalties every time a radio station plays her song.

C. caroline owns the patent for a new running shoe. she receives payments from the company who manufactures the shoes.

D. john owns the only parcel of lakeside property with a beach that is safe for swimming. he charges admission to neighbors who want to use the beach.

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The net volume of new trade that results from forming or joining a trade bloc is trade creation. Hence the right answer is option b.

Trade creation occurs when the establishment of a trade bloc causes the value of trade between bloc members to increase more than what it would have been in the absence of the bloc. This is due to the decreased costs of production and transportation, the improved efficiency of production, and the ability for members to specialize in different goods or services.

The net volume of new trade that results from forming or joining a trade bloc is trade creation. When two or more countries form a trade bloc, the net volume of trade that results from it is called trade creation. This increases trade within the bloc, eliminates tariffs and trade barriers, and improves efficiency and competitiveness.

Therefore, trade creation occurs when the formation or joining of a trade bloc leads to an increase in trade between the member countries. It is the opposite of trade diversion, which occurs when trade is redirected from a more efficient producer outside the bloc to a less efficient producer within the bloc.

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B. all answer options, would impact the natural rate of unemployment.

The minimum unemployment rate that is constant with stable prices in the economy. The natural rate of unemployment is influenced by various factors that include job search process, technology, structural changes, and public policy. which suggests that all answer options would impact the natural rate of unemployment.

The following are ways through which various options would impact the natural rate of unemployment. The availability of job information: When there is a high availability of job information, it would decrease the natural rate of unemployment. This is because it would increase job matching as individuals can easily apply for jobs that match their qualifications and interests.

A penalty fee for businesses that fire or layoff workers: A penalty fee would discourage businesses from laying off or firing workers, and this would increase the natural rate of unemployment. This is because businesses would retain workers even if they don't need them, leading to a decrease in job opening rate. Therefore the correct option is B. all answer options would impact the natural rate of unemployment.

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which of the following would impact the natural rate of unemployment? group of answer choices

a.  the availability of job information

b. all answer options

c. a workplace safety policy that raises business operation costs

d. a penalty fee for businesses that fire or layoff workers

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This advertisement is an example of a sales promotion. Sales promotions are incentives designed to attract customers and boost sales. They are typically used to stimulate immediate sales, or to increase foot traffic to stores and websites.

The advertisement by the local retail store announcing the sale of all their holiday decor at half price during the last week of December is an example of a sales promotion. A sales promotion is a marketing strategy aimed at stimulating sales or promoting a product by offering discounts, deals, or other incentives for a limited time. In this case, the store is offering a discount on its holiday decor to entice customers to make purchases during the holiday season.

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Based on the illustration above, the markdown is: $33.33.

The dollar markdown for a blow-up pool with a regular price of $49.99 advertised by Walgreens at the end of the summer for 66% off the regular price is $33.33.

To calculate this, we can use the following formula: 

Markdown = Regular Price - (Regular Price x Discount Percentage)

 In this case, the markdown is:

 $49.99 - ($49.99 x 0.66) = $33.33.

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Purchasing a product from a wholesale club would be an example of purchasing in bulk.

Purchasing in bulk can be regarded as one of the most effective ways to minimize cost while maintaining value. This method is mostly used in wholesale clubs, where buyers may purchase products in bulk to save money.

In a wholesale club, consumers may acquire big amounts of items at a lower price than if they bought each item separately. As a result, if a product is purchased in bulk, the price per unit will be less than if it were bought in smaller quantities.

This method helps to reduce the price while preserving quality or value. Therefore, purchasing a product from a wholesale club is a means to reduce price while value is increased by purchasing in bulk.

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An objective relating to comprehension is focused on giving the target audience a knowledge of the good or service being advertised while developing goals for a marketing programme using the DAGMAR .

Moreover, Colley listed the qualities of a strong advertising aim, including: Advertising goals must be expressed in concrete, quantifiable communication activities. It must identify the target market. It must specify the desired change and set a baseline or benchmark against which results can be evaluated.

DAGMAR has some issues and restrictions that need to be discussed. They consist of: issue with measurements.

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The annual loan payment for a $30,000 loan at 10% interest over 6 years is $5,584.40.

Formula:

P = Payment Amount

A = Loan Amount

i = Interest Rate

n = Number of Periods

P = A x i x (1+i)^n / [(1+i)^n-1]

P = $30,000 x 0.10 x (1+0.10)^6 / [(1+0.10)^6 - 1]

P = $5,584.40

The Annual Percentage Rate (APR) is the cost you pay each year to borrow money, including fees, expressed as a percentage. The APR is a broader measure of the cost to you of borrowing money since it reflects not only the interest rate but also the fees that you have to pay to get the loan.

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Customers at an e-retailer site abandon their shopping carts without completing their purchase. This is an example of shopping cart abandonment.

Shopping cart abandonment occurs when a customer places items in their shopping cart but does not finish the checkout process, leaving their cart abandoned.

This issue can be caused by various factors such as unexpected shipping charges, a lengthy checkout process, a lack of payment options, and high product prices.

E-retailers can also offer incentives to shoppers, such as free shipping or discounts, to encourage them to complete their purchases.

The correct answer to the question is "shopping cart abandonment."

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Yes, Japanese education contributes to the growth of the Japanese economy. Japan is one of the world's leading countries in the education sector, and the country has a high level of literacy, particularly in science and math.

The country's education system provides students with the necessary abilities to develop technical abilities, management expertise, and problem-solving abilities.

Japanese companies, particularly the automobile and technology sectors, have used these abilities to build successful and innovative goods. Sony, Panasonic, Toyota, and Honda, are just a few examples of companies that have been successful in producing and selling innovative and high-quality products.

Japan's investment in research and development has also contributed to the country's economic development by promoting innovation and technology transfer. The government and businesses of Japan understand the significance of educating their workforce and have been proactive in creating programs and initiatives that promote education and workforce development.

The Ministry of Education, Culture, Sports, Science, and Technology (MEXT) provides a range of initiatives that support education, research, and development in the country. Additionally, many Japanese firms have set up programs to support employee education and training to improve their competitiveness and productivity.

As a result, Japanese education contributes to the country's economic growth by providing its citizens with the necessary abilities to develop innovative products and services, as well as promoting research and development.

It is important to note that Japanese education system's emphasis on competitiveness and technical ability may not be appropriate for all countries, and each country should tailor its education system to meet its unique requirements.

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Two actions that a government might take to limit free trade and cause industries concern are the imposition of tariffs and the use of quotas.

Tariffs are taxes imposed on imported goods. They raise the prices of foreign goods, making them less appealing to domestic consumers. Tariffs raise the prices of imported products to a level that is equal to or greater than the prices of similar products manufactured in the domestic market. The tariff is paid by the importer or the purchaser of the imported goods.Quotas, on the other hand, are physical limits on the amount of a particular good that can be imported in a specified period.

A government may use quotas to limit foreign competition for domestic manufacturers. By setting a limit on the amount of a specific product that can be imported, the government effectively creates a situation where the domestic market has less competition.Free trade refers to a situation where goods and services are allowed to be traded without any restrictions or interference from the government. In contrast, protectionism is a set of policies that limit free trade by restricting the flow of goods and services between countries.

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When conducting a survey about choosing vacation destinations, Hillary will need to build rapport in order to get reluctant respondents to provide honest information.

Rapport is a feeling of mutual trust and understanding that develops when people communicate with each other effectively. In the case of surveys, building rapport with respondents entails establishing a relationship of trust and mutual respect, which is essential for obtaining truthful responses.

When conducting a survey, it is critical to be skilled in building rapport with respondents. The following are some strategies for building rapport when conducting a survey:

Begin by introducing yourself and thanking the respondent for participating in the survey.                                               Ask open-ended questions that encourage respondents to share their experiences and thoughts.                                      Avoid interrupting or cutting off the respondent in the middle of their answers.  

Phrase your questions in a way that makes respondents feel comfortable.                                                                    Avoid using jargon or technical terms that respondents may not understand.                                                                   Actively listen to the respondents' responses. Respond with empathy when a respondent discusses sensitive topics.

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The most effective conflict handling style in many different situations is problem-solving. This style focuses on the issues and works towards finding a mutually acceptable solution.

Problem-solving requires understanding and cooperation from both parties and encourages each person to express their opinion and feelings. It also allows the parties to identify and focus on the problem at hand and brainstorm potential solutions together.

It also allows for the expression of opinions and feelings from both parties, allowing for the creation of mutually beneficial solutions. With this approach, both sides can work together to find a resolution to their conflict in an effective, positive manner.

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A term indicating that a security is tradable and all of the requirements of the contract to sell the security have been met and the security is ready to be transferred is known as delivery-ready securities.

Delivery-ready securities are securities that have been traded and settled, and are now ready for delivery to their owners. Securities can be in the form of cash or stock, depending on the contract's terms. Securities that are delivery-ready can be traded and transferred from the seller to the buyer immediately after the transaction is completed.

According to the definition of delivery-ready securities, it is a term indicating that a security is tradable and all of the requirements of the contract to sell the security have been met and the security is ready to be transferred.

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The journal entry for merchandise with a sales price of $2,200 sold on account with terms 2/10, n/30 under the net method would include the following:DateAccount TitlesDebitCreditMerchandise inventory$2,200Accounts receivable$2,200[OR]Accounts receivable$2,156Cash$2,116Sales discounts$44Sales$2,200Under the net method, discounts are only available to customers who pay their invoices within the discount period.

For example, if the customer pays the invoice within ten days, they get a 2% discount. Otherwise, they must pay the full amount within thirty days. The entry to record the sale of $2,200 is as follows:Debit Accounts Receivable $2,200Credit Sales $2,200If the customer pays within ten days, they would be eligible for a discount of $44 (2% of $2,200).The payment for this purchase would then be recorded as follows:Debit Cash $2,156Credit Accounts Receivable $2,156The amount paid of $2,156 is equal to the total sale price ($2,200) less the discount ($44). Alternatively, the second journal entry can be written as follows:Debit Accounts Receivable $2,200Credit Cash $2,156Credit Sales Discounts $44When the customer pays the full amount within the discount period, the entry would be:Debit Cash $2,156Debit Sales Discounts $44Credit Accounts Receivable $2,200.

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We should be willing to pay up to K102.50 for ZB Ltd stock if we believe that the 8% dividend growth rate is infinite at the same required rate of return of 12%.

To calculate the maximum price we should be willing to pay for ZB Ltd stock, we can use the dividend discount model:

[tex]P = D / (r - g)[/tex]

Where P is the price of the stock, D is the most recent dividend payment, r is the required rate of return, and g is the expected growth rate of dividends.

a) Using the expected growth rate of 7% for the first three years and 5% indefinitely thereafter, we have:

Year 1: D = 3.25 x 1.07 = 3.4775

Year 2: D = 3.4775 x 1.07 = 3.7244

Year 3: D = 3.7244 x 1.07 = 3.9837

After year 3, the growth rate drops to 5%, so we have:

g = 5%

r = 12%

[tex]D = 3.9837 x 1.05 / (0.12 - 0.05) = K81.04[/tex]

Therefore, we should be willing to pay up to K81.04 for ZB Ltd stock if we expect the dividend growth rate to increase to 8% for the next three years before dropping to 5% indefinitely.

b) Using an infinite growth rate of 8%, we have:

g = 8%

r = 12%

[tex]D = 3.25 x 1.08 / (0.12 - 0.08) = K102.50[/tex]

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The multiplicities between the cash collection table and the sales table in modeling cash sales is one-to-one.

This means that for every one record in the cash collection table, there is exactly one record in the sales table.

A one-to-one relationship means that each record in the cash collection table is related to only one record in the sales table, and vice versa.

This type of relationship is used to ensure the accuracy of the cash sales data in the database. For instance, if there is a cash sale for a product, the record in the cash collection table and the record in the sales table must match, so that the sales can be tracked correctly. Additionally, it prevents duplicate entries in the database, ensuring the accuracy of the data.

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The dcf (discounted cash flow) portion of a three-statement model begins with EBIT, not net income because the EBIT represents the operating income of the company before accounting for interest and taxes, which are financing and non-operating activities.

Using EBIT as the starting point for the DCF analysis allows for a more accurate assessment of the company's ability to generate cash flows from its core operations, without being distorted by the impact of financing and non-operating activities.

The DCF model then adjusts for taxes and interest to arrive at the company's free cash flow, which represents the amount of cash generated by the company's operations that is available to be reinvested in the business or returned to shareholders.

Starting with EBIT also provides a clearer picture of the company's profitability and operating performance, which is essential for making informed investment decisions.

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A payday loan will require the borrower to pay a high fee along with a high rate of interest applied on the loaned amount. The correct option is B.  A payday loan.

Payday loans are short-term, high-cost loans typically intended to cover unexpected expenses or to bridge a temporary gap between paychecks. They are usually available for small amounts of money and are meant to be repaid when the borrower receives their next paycheck.

The reason payday loans have high fees and interest rates is because they are considered high-risk loans for the lender. Borrowers often have poor credit or no credit history, which means the lender has less assurance that the loan will be repaid. To compensate for this increased risk, payday lenders charge high fees and interest rates to cover potential losses and to make a profit.

In contrast, other loan options such as credit union loans, subsidized loans, and bank loans typically have lower fees and interest rates. Credit unions and banks offer loans to their members and customers based on creditworthiness, while subsidized loans are offered by the government to eligible students, often with lower interest rates and more favorable repayment terms.

In summary, a payday loan will require the borrower to pay a high fee and a high rate of interest due to the increased risk for the lender and the short-term nature of the loan. It is important for borrowers to consider other loan options before choosing a payday loan, as they can be an expensive form of borrowing. Therefore, The correct option is B. A payday loan

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Broker Bill must complete two 30-hour courses in his first renewal period for a total of 60 hours of post-license training. This could cause him problems if it's not done.

A licensee, though, is not able to remain a temporary broker indefinitely. A provisional broker who wants to become a full-fledged real estate broker must finish the necessary post-licensing courses within 18 months of receiving their original license.

You are, in essence, a broker whose license is in a provisional position. You are permitted to carry out all broker-related duties, but a broker-in-charge must keep an eye on you at all times. You can't work on your own.

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Lenders that do not securitize the mortgage loans they originate but retain the loans on their books are referred to as portfolio lenders.

What are Portfolio lenders?

A portfolio lender is a lender who offers loans that are kept on the lender's balance sheet rather than being sold to the secondary market. This type of lender typically lends only to individuals who fit a certain set of criteria, such as those with excellent credit or a low loan-to-value (LTV) ratio on their property.

In other words, Portfolio lenders hold the mortgage loans they issue rather than selling them to a third party, thereby generating a consistent flow of interest income for themselves. Lenders that hold onto loans as part of their investment portfolio are called portfolio lenders.

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The value of GDP in this situation is $7, computed by multiplying the amount of each fruit by its corresponding price and combining the results $7.

The total value of all goods and services produced in a nation over a specific time period is known as the GDP, or gross domestic product. In this scenario, we are given the quantities and prices of apples and oranges, so we can calculate the value of these goods and add them together to get the total GDP. It's crucial to note that GDP only evaluates the monetary worth of products and services, therefore it may not represent other elements such as environmental sustainability or social wellbeing. The value of GDP in this circumstance is $7, estimated by multiplying the amount of each fruit by its corresponding price and combining the results: (4 apples x $1/apple) + (6 oranges x $0.50/orange) = $4 + $3 = $7.

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The amount of inventory investment included in GDP would be the change in the value of inventory, which is $500 . Option a. is correct .

Gross Domestic Product (GDP) is the market value of all the final goods and services produced in a country within a certain time frame. It includes everything produced within the country's borders, whether produced by domestic or foreign-owned companies.

Suppose that a sporting goods store had $800 of golf balls on its shelves at the beginning of 2016 and $1,300 at the end of 2016. The amount of inventory investment included in GDP would be $500.

Inventory investment can be calculated as the difference between the end-of-period and beginning-of-period inventory values. It is calculated using the following formula:

Inventory investment = End-of-period inventory - Beginning-of-period inventory

In the given case, Inventory investment = $1,300 - $800

                                                               = $500

Therefore, the correct answer is option a. : $500.The amount of inventory investment included in GDP would be $500.

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Suppose that a sporting goods store had $800 of golf balls on its shelves at the beginning of 2016 and $1,300 at the end of 2016. The amount of inventory investment included in GDP would be

Select one:

a. $500.

b. $800.

c. $1,300.

d. $2,100.

The result on appeal in Evan Rothberg v. Walt Disney Pictures, the case in the textbook in which a representative of the defendant convinced Robert Jahn, a senior executive at Disney who was dying from AIDS, to sign a release that waived his rights to approximately $2 million in employee benefits days before his death was that the court ruled that the question of whether the release had been procured by undue influence was a question for the jury. The correct option is D.

The court ruled that the question of whether the release had been procured by undue influence was a question for the jury. Evan Rothberg v. Walt Disney Pictures is a case in the textbook in which a representative of the defendant convinced Robert Jahn, a senior executive at Disney who was dying from AIDS, to sign a release that waived his rights to approximately $2 million in employee benefits days before his death. The court ruled that the question of whether the release had been procured by undue influence was a question for the jury.

Thus, option D is correct.

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Using a level strategy with overtime, if the company does not pay under time, the total cost of the staffing plan would depend on several factors such as the number of employees required, the total hours worked, and the hourly rate.

How to calculate the Total cost of the staffing plan?

Total Cost of the Staffing Plan = (Total Regular Time Worked * Hourly Rate) + (Total Overtime Worked * Hourly Rate * Overtime Premium)

Where, Total Regular Time Worked = Total Hours Worked - Total Overtime Worked

Overtime Premium = Overtime Rate / Hourly Rate

To understand the total cost of the staffing plan, it's important to understand the terms used in the formula, which are:

1. Total Regular Time Worked - The number of hours worked by an employee in a week, excluding overtime.

2. Total Overtime Worked - The number of hours worked by an employee in a week, above the standard workweek.

3. Hourly Rate - The standard hourly rate paid to an employee.

4. Overtime Premium - The additional premium paid per hour for overtime.

5. Overtime Rate - The hourly rate paid for overtime.

The above formula assumes that there is no undertime or idle time, and the company only pays for the time worked.

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The given statement "a restriction on an employees' postemployment conduct that constrains an employee from divulging or using certain information gained during employment is known as a(n)" is best described by the term non-disclosure agreement (NDA).

What is a non-disclosure agreement (NDA)?

A non-disclosure agreement (NDA) is a legal contract that restricts an individual from disclosing or using sensitive information, such as company trade secrets, processes, or personal customer data, without permission.

The NDA can be used in a range of circumstances, such as when a company is hiring new employees or independent contractors or when entering into partnerships, acquisitions, or mergers, basically when a company is offering any type of employment. It is a powerful tool that is used by businesses to protect confidential data, proprietary knowledge, or intellectual property.

The NDA is sometimes also referred to as a confidentiality agreement (CA), a proprietary information agreement (PIA), or a secrecy agreement. It establishes a legal contract between the parties and can be enforced by law.

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Recognizing individuals at all levels of the organization as team members whose views and judgments are valued by top management is an advantage of responsibility accounting.

In responsibility accounting, each manager is held accountable for their decisions, fostering a sense of ownership and collaboration throughout the organization.

By recognizing individuals at all levels of the organization as team members whose views and judgments are valued by top management, it promotes responsibility accounting, which is an advantage of this approach. It also helps to improve communication and collaboration among team members, which can lead to increased productivity and better decision-making.

therefore, Recognizing individuals at all levels of the organization as team members whose views and judgments are valued by top management is an advantage of responsibility accounting.

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The practice suggested by the data analyst in the marketing department of advertising in popular landscaping magazines to attract more customers is an example of external marketing.

A data analyst is a professional who uses various analytical and statistical methods to collect, process, and interpret data, with the aim of drawing insights and making informed decisions. Their primary goal is to help businesses and organizations optimize their operations by identifying trends, patterns, and other important information from vast amounts of data.

Data analysts use various tools and software to clean, organize, and analyze data. They also create reports, charts, and visualizations to communicate their findings to stakeholders. Data analysts work in a variety of industries, including healthcare, finance, marketing, and technology. The demand for data analysts is growing rapidly, and it is a promising career path for those interested in working with data and making a meaningful impact in various industries.

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To find the present value of the cash flow, we need to use the formula for the present value of a future cash flow, which takes into account the time value of money and the interest rate. The formula is:

PV = FV / (1 + r)^n

Where PV is the present value, FV is the future value, r is the interest rate, and n is the number of periods.

In this case, the costs are a negative cash flow and the savings are a positive cash flow. So we can write the equation as:

PV = (-$5,000 + $23,000) / (1 + 0.095)^3

Simplifying the equation:

PV = $18,000 / 1.295

PV = $13,905.02

Therefore, the present value of the cash flow is $13,905.02.

Additive manufacturing is a type of manufacturing process used to make a wide variety of highly customized products in quantities as small as one.

Additive manufacturing is the process of creating an object by laying down one layer at a time. 3D printing is the most well-known form of additive manufacturing. The method entails using a computer-aided design (CAD) software to create a 3D model. A 3D printer then reads the design and produces a three-dimensional object. The machines are essentially robots that can create a single part or a complete assembly of parts.

These methods have the potential to develop products of exceptional complexity that would be impossible or difficult to make by traditional manufacturing processes. Additive manufacturing is a method that has been used to manufacture highly customized products in quantities as small as one. The items are manufactured from the ground up, layer by layer. Because of the decreased labor and material expenses, additive manufacturing is often faster and less expensive than traditional manufacturing processes.

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