Monica wants to open a savings account with a deposit of 3,000 monica will not make

Answers

Answer 1

Account Y would earn Monica about $62.70 more interest than account X.

Given Monica deposits $3000.

Bank offers two different savings accounts.

Account X pays 2.1% simple annual interest and Account Y pays 2.4% compounded annually, both for 5 years.

For account X, we have:

Principal (P) = $3000

time (t) = 5 years

rate of interest (r) = 2.1%

we need to calculate simple interest:

Simple interest = P×t×r/100

= 3000c5×2.1/100

= $315

simple interest for 5 years is $315

For account Y, we have:

Principal (P) = $3000

time (t) = 5 years

rate of interest (r) = 2.4%

we need to calculate Compound interest:

compound interest = P×(1₊rate)^time ₋ P

= 3000(1₊2.4/100)⁵ ₋ 3000

= 3000(1.024)⁵ ₋ 3000

= 3000(1.12589907) ₋ 3000

= 3377.69 ₋ 3000

= $377.69

The compound interest for 5 years is $377.7

compound interest of account Y ₋ simple interest of account X

= 377.7 ₋ 315

= $62.70

hence the right option is that account Y would earn Monica about $62.70 more interest than account X.

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Your question is incomplete.Please find the missing content below.

Monica wants to open a savings account with a deposit of $3000. Monica will not make any additional deposits or withdrawals after she opens the account. Her bank offers two different savings accounts. Account X pays 2.1% simple annual interest. Account Y pays 2.4% interest compounded annually. Which statement about these accounts at the end of 5 years is true?

Account X would earn Monica about $62.70 more interest than Account Y.

Account Y would earn Monica about $62.70 more interest than Account X.

Account X would earn Monica about $45.00 more interest than Account Y.

Account Y would earn Monica about $45.00 more interest than Account X.


Related Questions

A rose bush grows at a rate of 1.5 inches per week about how tall will the rose bush be after 40 weeks will it be reasonable why and why not explain pls ASAP

Answers

The rose bush will be 60 inches tall after 40 weeks

Calculating height

From the question, we are to calculate how tall the rose bush would have grown in 40 weeks

From the given information,

"A rose bush grows at a rate of 1.5 inches per week"

To calculate how tall the rose bush would have grown in 40 weeks, we will multiply the rate at which the bush grows by 40

That is,

1.5 × 40

= 60 inches

Hence, the rose bush will be 60 inches tall after 40 weeks

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Determine if the sentence is true. Select all that apply. □ 2 + 5 = 19 − 12 □ -.+ /. = 2 − 1 − 1 □ 5 − 4 − 3 − 2 − 1 = 30 − 34 − 1 □ 2 � + 8 = 2� − 8 □ 2 x + 5 − 4x = 3 x − 2 − 5x + 16

Answers

The equations that are true are:

2 + 5 = 19 - 12

5 - 4 - 3 - 2 - 1 = 30 - 34 - 1

Which sentences are true?

Here we have some equations, the equations are only true if we have the exact same number in both sides of the equation.

The first one is:

2 + 5 = 19 - 12

If we simplify both sides we get:

2 + 5 = 7

19 - 12 = 7

Then the equation becomes:

2 + 5 = 19 - 12

7 = 7

This is true.

The next equation is:

5 - 4 - 3 - 2 - 1 = 30 - 34 - 1

If we simplify both sides we get:

5 - (4 + 3 + 2 + 1) = 30 - 35

5 - 10 = 30 - 35

-5 = -5

This is true.

The last equation is:

2x + 5 - 4x = 3x - 2 - 5x + 16

Here we have a variable, so we need to solve this for x.

2x -4x + 5 = 3x - 5x + 16 - 2

-2x + 5 = -2x + 14

-2x + 5 + 2x = 14

5 = 14

This equation is false, because 5 is different than 14.

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Is 87 3 times as many as 29?

Answers

Answer:

Yes

Step-by-step explanation:

29 times 3 is 87

Hope It Helps

Sorry If I'm Wrong

so if you multiple 29 by 3 you should get 87 so yes it is equal

X And y values shown x
X. Y
2. 6
5. 15
8. 24

Answers

The constant of variation is 3.

How to illustrate the information?

It should be noted that in the information, we are given the values of both x and y.

When x is 2, y is 6. When x is 5, y is 15. Finally when x is 8, y is 24.

The constant is given as 6/2 or 15/5 or 24/8. This will give 3.

Therefore, the constant of variation is 3.

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X And y values shown x

X. Y

2. 6

5. 15

8. 24

What is the constant of variation?

How to Write 209.105 in expanded form

Answers

Answer:

209.106 = (2 x 100) + (0 x 10) + (9 x 1) + (1/10) + (0/100) + (6/1000)

Answer: 200 + 9 + 0.1 + 0.005

Step-by-step explanation: For expanded form you need to break up the number into its individual parts. You have 2 hundreds, 9 ones, 1 tenths, and 5 thousandths.

18
26
52
44
Mandy is working at the zoo. She must record the ages of the tortoises There are 9 tortoises.
Their ages are 29, 2, 12, 26, 18, 34, 54, 44, and 18.
What is the mean age of the tortoises? You may use a calculator. Round to the nearest whole
number.
3) Read the following and answer the question

Answers

Answer:

26 is the approximate mean

Ms. Francis is planning a birthday party for her daughter. There will be 22 children at the party, and in order to seat them all she needs to rent square card tables. Only 1 child can sit at each side of a card table.

Ms. Francis wants to arrange the tables in a rectangular shape so they look like one large table. The room is large enough that

the rectangle can be made with more than one row of tables.

Part A: How many different arrangements can Ms. Francis make to seat all 22 children?

Part B: What is the smallest number of tables that Ms. Francis needs to rent?

DIRECTIONS: To solve the problem, apply the steps of the Mathematical Problem-Solving Routine.

Understand

1. Try to visualize the situation. Consider drawing a diagram

2. State the problem in your own words.

3. What is the important information in the problem?

Plan

4. What strategy will you use to solve the problem? Why?

Predict an answer.​

Answers

Answers to both the subparts are:

(A) Ms. Francis would have to rent 6 tables in order for everyone to have their own side.(B) She could have all of the children sitting at their tables, each with their own side, but the sixth table would only have two other children.

What are mathematical operations?An operation is a function in mathematics that takes zero or more input values (also known as "operands" or "arguments") and produces a well-defined output value. The arity of the operation is determined by the number of operands.Binary operations (i.e., operations of arity 2), such as addition and multiplication, and unary operations (i.e., operations of arity 1), such as additive inverse and multiplicative inverse, are the most commonly studied. A constant is an operation of arity zero, also known as a nullary operation. The mixed product is an example of a 3rd order operation, also known as a ternary operation.

So, there will be 22 children at the party and each table will have 1 child sitting on each side.

This means that at 1 table there will be sitting 4 children.

(A) Ms Francis would have to rent 6 tables in order for everyone to have their own side.

Then,

4 × 6 = 24

(B) She could have all of the children sitting at their tables, each with their own side, but the sixth table would only have two other children.

Therefore, the answers to both the subparts are:

(A) Ms. Francis would have to rent 6 tables in order for everyone to have their own side.(B) She could have all of the children sitting at their tables, each with their own side, but the sixth table would only have two other children.

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How many zeros will be in the product of 7 times 5,000? Without calculating the answer, explain how to use place value strategies to find the number of zeros in the product

Answers

The number of zeros in the product of 7 and 5,000 is 3.

The place value is defined as the value of each digit in a given number.

Here, we are given that 7 is multiplied by 5000

We can see that in 5000, the hundreds, tens and units digits are all zero.

Also, we know that 0 multiplied by any number gives us a zero only.

Thus, when we multiply 5000 and 7, each digit of 5000 will be multiplied by 7.

We can thus see that there will definitely be at least 3 zeroes in their product.

when we 7 is multiplied by 5, the unit digit will not be 0 as 7 is an odd number.

Thus, there are 3 zeroes in the product of 7 and 5000.

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Find the distance between the points J(-8, 0) and K(1, 4). Answer in simplest exact form.
What’s the exact distance?

Answers

Answer:

distance = [tex]\bf \sqrt{97}[/tex] units

Step-by-step explanation:

To find the distance between two points given their coordinates, we can use the following formula:

[tex]\boxed{\mathrm{distance} = \sqrt{(x_1-x_2)^2 + (y_1 - y_2)^2}}[/tex],

where [tex](x_1, y_1)[/tex] and [tex](x_2, y_2)[/tex] are coordinates of the two points.

The two points we are given are:

• J(-8, 0)

• K(1, 4).

Using these coordinates and the formula above, we can calculate the distance between the points:

distance = [tex]\sqrt{(-8 - 1)^2 + (0 - 4)^2}[/tex]

              = [tex]\sqrt{(-9)^2 + (-4)^2}[/tex]

              = [tex]\sqrt{81 + 16}[/tex]

              = [tex]\bf \sqrt{97}[/tex]

Therefore, the distance between J and K is [tex]\bf \sqrt{97}[/tex] units.

Distribute 10(3x+8x^2)

Answers

Answer:

Evaluate

30x + 160xn

Step-by-step explanation:

Answer:

Solution :

30x + 80x^2

Step-by-step explanation:

1) Distribute the outer term into the first by multiplying the numerical values and then the terms

2) Repeat for the second one.

Which of the following pairs consists of equivalent fractions?

Answers

Answer:

I think it's the last answer

This diagram shows a pre-image △ABC and its image, ​△A′′B′′C′′​ , after a series of transformations.

Select from the drop-down menus to correctly complete the statements.

△ABC is
1. reflected across the y-axis.
2. rotated 90 degrees counterclockwise about the origin.
3. translated 4 units right

to become △A′B′C′. Then ​△A′B′C′​ is

1. reflected across the x-axis.
2. reflected across the line y = x
3. rotated 90 degrees counterclockwise about the origin

to become ​△A′′B′′C′′​ . Because the transformations are
1. both rigid
2.not both rigid,

The pre-image and image are

1. congruent
2. not congruent

Answers

Using translation concepts, we have that:

△ABC is 3. translated 4 units right to become △A′B′C′. Then, △A′B′C′​ is 3. rotated 90 degrees counterclockwise about the origin to become △A′′B′′C′′​ .Because the transformations are both rigid, the pre-image and the image are congruent.

What is a translation?

A translation is represented by a change in the function graph, according to operations such as multiplication or sum/subtraction either in it’s definition or in it’s domain. Examples are shift left/right or bottom/up, vertical or horizontal stretching or compression, and reflections over the x-axis or the y-axis.

On the translation of △ABC to △A′B′C′, the rule applied to the vertices is:

(x,y) -> (x + 4, y).

Hence it was translated 4 units right.

On the translation of △A′B′C′​ to △A′′B′′C′', the rule is given by:

(x,y) -> (-y,x).

Hence it was rotated 90 degrees counterclockwise about the origin.

The triangle keeps the same size after the translations, hence:

Because the transformations are both rigid, the pre-image and the image are congruent.

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organic hotdogs are $2.00 each at the grocery store.At the major league baseball game, an organic hot dog costs $6.50. How much does the baseball field mark up its organic hot dogs?

Answers

answer: the markup is $4.50
Explanation: because it is

Answer:$4.50, or a 325% markup

Step-by-step explanation:

yes?

help with this please.

Answers

Using integrals, it is found that the cumulative distribution function(cdf) at x = 2.27 is given by:

P(X ≤ 2.27) = 0.897.

How to find the cumulative distribution function of a distribution?

The cumulative distribution function of a distribution given by f(x) at a value of x = x* is given by the following integral:

[tex]\int_{-\infty}^{x^{\ast}} f(x) dx[/tex]

For this problem, the distribution is given by:

[tex]f(x) = e^{-x}, x > 0[/tex]

Hence, at x = 2.27, the cdf is given by:

[tex]\int_{0}^{2.27} e^{-x} dx[/tex]

The infinity was replaced by 0 because the lower bound of the definition of the distribution is of 0. Hence:

[tex]\int_{0}^{2.27} e^{-x} dx = -e^{-x}|_{x = 0}^{x = 2.27}[/tex]

Applying the Fundamental Theorem of Calculus:

P(X ≤ 2.27) = -e^(-2.27) + e^0 = -e^(-2.27) + 1 = 0.897.

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The post office will only accept packages for which the length plus the "girth" (distance around) is no more than 108 inches. Thus, we must have L+2(x+y)<=108.
What is the greatest acceptable length for a package that has a square base measuring 9 inches by 9 inches?

Answers

answer

6 in. wide, 8 in. deep and 5 feet long.

As Lucia fills her fish tank, she notices that it fills 8 cubic centimeters of water in 4 minutes.
How many cubic centimeters of water does it fill in 1 minute?

Answers

2 cubic centimeters
By doing 8 divided by 4

Solve for x
5x³-15x²-90x=0

Answers

Answer:x=0,6,−3

Step-by-step explanation:

Move all terms to the left side and set equal to zero. Then set each factor equal to zero

Is 1 an unequal number

Answers

Answer:

Step-by-step explanation:

i 1=i i+i = 1 paulit ulit lg pag dalawa ung term i po sagot jan

Your friend swims on the school team.
In his first four races, his times are 24.7, 23.5, 25.6, and 27.2 seconds

Answers

You need a value less than 23.5 or greater than 27.2.

Given the time in his first four races is: 24.7 , 23.5 , 25.6 , 27.2 seconds.

To find the time for her race which would make a higher difference, we need to make use of range.

The range formula is frequently employed in statistics to ascertain the range provided in a specific data set. The formula finds the difference between the lowest and highest value, which aids in locating the set's center. In distribution, a wide range denotes increased variability while a narrow range denotes lower variability. The mean, median, and mode are among the additional statistical concepts included in the range formula.

The range is the difference between the highest and lowest value. In this case, the highest and the lowest numbers are 27.2 and 23.5 seconds.

To make a larger range, we simply need to pick a number smaller than 23.5 or larger than 27.2. This will produce a larger difference (or range).

Hence we acquired the desired result.

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Your question is incomplete. Please find the missing content here.

Your friend swims on the school team.

In his first four races, his times are 24.7, 23.5, 25.6, and 27.2 seconds. Which time listed for her next race would make the range larger?

What does 5 less than 3 times mean? I need help badly it’s due tomorrow for Algebra 1.

HERES THE FULL QUESTION: The width of a rectangle is five less than three times the length of the rectangle if the perimeter of the rectangle is 70 inches what are the dimensions of the rectangle?

Answers

The dimensions of the rectangle are 10 inches by 25 inches

How to the dimensions of the rectangle?

The given parameters are

Width = five less than three times the lengthThe perimeter of the rectangle = 70

The above parameters mean

w = 3l - 5

P = 70

The perimeter of the rectangle is

P =2(l + w)

So, we have

2(l + 3l - 5) = 70

Divide by 2

l + 3l - 5 = 35

Evaluate the like terms

4l = 40

Divide by 4

l = 10

Substitute l = 10 in w = 3l - 5

w = 3 * 10 - 5

w = 25

Hence, the dimensions of the rectangle are 10 inches by 25 inches

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The area of a triangular pendant on a necklace is 3/4 square inch. The height of the
triangle is 1 1/4 inches. What is the length of the base of the triangle?

Answers

The length of the base of the triangle is 1 1/5 inches

What are areas?

The area of a shape is the amount of space on the shape

How to determine the length of the base of the triangle?

The given parameters are

Area = 3/4 square inches

Height = 1 1/4 inches

The length of the base of the triangle is calculated as

Base = 2 * Area/Height

Substitute the known values in the above equation

This gives

Base = 2 * (3/4)/(1 1/4)

Evaluate

Base = 1 1/5

Hence, the length of the base of the triangle is 1 1/5 inches

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What is the value of 12(a • b + a2) + 6 if a = 3 and b = −4?

A: −30
B: −42
C: −54
D: 330

Answers

Answer: -30 ==> A

Step-by-step explanation:

a = 3 and b = −4

12(a • b + a2) + 6=

12(a • b + a^2) + 6=

12(3 • (-4) + 3^2) + 6=

12(-12 + 9) + 6=

12(-3)+6=

-36+6=

-(36-6)=-30 ==> A

Answer:

a) -30

Step-by-step explanation:

Given that,

→ a = 3

→ b = -4

Let's solve the problem,

→ 12(a × b + a²) + 6

→ 12(3 × -4 + (3)²) + 6

→ 12(-12 + 9) + 6

→ 12 × -3 + 6

→ -36 + 6 = -30

Hence, the answer is -30.

Find a possible formula for the exponential function graphed below.

Answers

Check the picture below.

[tex]{\LARGE \begin{array}{llll} y = ab^x \end{array}} \\\\[-0.35em] ~\dotfill\\\\ \textit{we know that} \begin{cases} x=0\\ y=40 \end{cases}\implies 40=ab^0\implies 40=a(1)\implies 40=a \\ ~\hfill \underline{y = 40b^x} \\\\[-0.35em] ~\dotfill[/tex]

[tex]\textit{we also know that} \begin{cases} x=3\\ y= 15 \end{cases}\implies 15 = 40b^3\implies \cfrac{15}{40}=b^3\implies \cfrac{3}{8}=b^3 \\\\\\ \sqrt[3]{\cfrac{3}{8}}=b\implies \cfrac{\sqrt[3]{3}}{\sqrt[3]{8}}=b\implies \cfrac{\sqrt[3]{3}}{2}=b~\hfill \underline{y = 40\left( \frac{\sqrt[3]{3}}{2} \right)^x}[/tex]

Two shops rent canoes for a rental fee plus a fee per hour. The table shows the total cost (in dollars) for x hours at Shop B is represented by the equation y=4x+6. Which shop charges less per hour? How many hours must a canoe be rented for the total costs to be the same? (PLEASE SHOW WORK)

Answers

Using linear functions, it is found that:

Shop A charges less per hour.The canoe must be rented for 3 hours for the costs to be the same.

What is a linear function?

A linear function is modeled by:

y = mx + b

In which:

m is the slope, which is the rate of change, that is, by how much y changes when x changes by 1.b is the y-intercept, which is the value of y when x = 0, and can also be interpreted as the initial value of the function.

For Shop A, we have a linear function that:

Has a rate of change of $3, hence m = 3.The intercept is b = y(0) = 12 - 3 = 9.

Hence the functions are given by:

A(x) = 3x + 9.B(x) = 4x + 6.

Due to the lower slope, shop A charges less per hour. The costs will be the same when:

A(x) = B(x)

3x + 9 = 4x + 6

x = 3.

The canoe must be rented for 3 hours for the costs to be the same.

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convert 7 yards per minute to feet per second
(3 feet=1 yard)

Answers

Answer:

0.35 feet per second

Step-by-step explanation:

To start, there's 3 feet in 1 yard.

So, we have to convert the 7 yards per minute to feet.

7 x 3 = 21

Then, we have to convert 21 feet per minute to X amount of feet per second.

To note, there are 60 seconds in a single minute

Therefore, you have to divide 21 by 60 to find the amount of feet in one second.

21 / 60 = 0.35

The answer is 0.35 feet per second

cost to rent a pavilion is $50 plus $15 for each hour of use.
e a rule for the cost of renting a park pavilion. Write ordered
= to represent the cost of renting a pavilion for 3, 4, 5, and 6 hours.

Answers

Answer:

the cost of renting the pavilion for 8 hours = $130

Step-by-step explanation:

$50 plus $10 per hour

so 8 hour  = 10 * 8 = $80

$50 + $80 = $130

what are the next 2 numbers in 0.006 0.6 6 ___ ____ ??

Answers

Answer:

60 and 600

Step-by-step explanation:

im guessing..

(6(2 + 4) - 1)/(2 * 3 + 1)
Evaluate each expression using the order of operations

Answers

Answer:

11/7 is the answer

to your question

Nina wants to download games for her video game console. Older games cost 150 points and new releases cost 600 points. Nina has 6000 points to use. The equation 150a+600b=6000, where a is the number of older games and b is the number of new releases, models the situation. How many older games can she download if she downloads one new game? four new games?

Answers

Considering the definition of an equation and the way to solve it, Nina can download 36 older games and 24 older games if she downloads one and four new games respectively.

Definition of equation

An equation is the equality existing between two algebraic expressions connected through the equals sign in which one or more unknown values, called unknowns, appear in addition to certain known data.

The solution of a equation means determining the value that satisfies it and the equality is true. To solve an equation, keep in mind:

When a value that is adding, when passing to the other member of the equation, it will subtract.If a value you are subtracting goes to the other side of the equation by adding.When a value you are dividing goes to another side of the equation, it will multiply whatever is on the other side.If a value is multiplying it passes to the other side of the equation, it will pass by dividing everything on the other side.

This case

In this case, Nina wants to download games for her video game console.  Older games cost 150 points and new releases cost 600 points. Nina has 6000 points to use.

The equation 150a+600b=6000, where a is the number of older games and b is the number of new releases models the situation.

If Nina downloads one new game, that means that the value of the variable "b" is 1. Substituting in the equation that models the previously mentioned situation, and solving, you obtain:

150a+600×1=6000

150a + 600=6000

150a= 6000 - 600

150a= 5400

a= 5400÷150

a= 36

If Nina downloads four new game, that means that the value of the variable "b" is 4. Substituting in the equation that models the previously mentioned situation, and solving, you obtain:

150a+600×4=6000

150a + 2400=6000

150a= 6000 - 2400

150a= 3600

a= 3600÷150

a= 24

Finally, Nina can download 36 older games and 24 older games if she downloads one and four new games respectively.

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In a video game, players start with a score of 100 points.
They earn 8 points for each gold coin and 25 points for
each gem they find. Mario finds 3 gold coins and 2 gems.
Write and evaluate an algebraic expression to find Marios
score. Use c for the number of gold coins found and g for
the number of gems found. Show your work.
SOLUTION

Answers

Mario's score in the video game is 174.

What is Mario's score?

Mario's score is a function of the number of points started with, the point per coin, the point per gem , number of gem and coins found. The mathematical operations that would be used are addition and multiplication.

Addition is the process of determining the sum of two or more numbers. Multiplication is the process of determining the product of two or more numbers.

Mario's score = beginning point + (number of gold coins x score per gold coin) + (number of gems x score per gem)

Mario's score = 100 + 3c + 2g

Mario's score = 100 + (3 x 8) + (2 x 25)

Mario's score = 100 + 24 + 50 = 174

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Given that line k bisects BD at point C and that BC=9x13 and BD=118, find CD. What factors other than temperature might also have varied across these 21 sites? How might this variation have affected the interpretation of the results? which occurs first in the trial production of the judicial system? The tambura is a fretless plucked lute responsible for maintaining the __________in hindustani classical music. Assuming that wine is a normal good, an increase in consumer income, other things being equal, will? multidisciplinary practical guidelines for gastrointestinal access for enteral nutrition and decompression from the society of interventional radiology and american gastroenterological association (aga) institute, with endorsement by canadian interventional radiological association (cira) and cardiovascular and interventional radiological society of europe (cirse in the aftermath of the marjory stoneman douglas high school shooting, survivors and students began to organize. they marched, organized, lobbied, and generated a mass movement on social media. identify each policy initiative as one that organizers pushed the florida legislature to adopt, or not. The December 31, 2018, balance sheet of Whelan, Inc., showed long-term debt of $1,350,000, and the December 31, 2019, balance sheet showed long-term debt of $1,470,000. The 2019 income statement showed an interest expense of $97,500. What was the firms cash flow to creditors during 2019? Use the chart and your knowledge to answer the question that follows.Which best shows how Egypt became an empire?no links please A+person+invests+$100,000+at+a+nominal+12%+interest+per+year+compounded+continuously.+what+will+be+the+value+of+the+investment+in+30+years? a modernist city planning concept that proposed creating condensed, vertical living space to create more open space for mobility and light across the city is which of the following? 50 points please show your work and answer all of them 15. Process of cell division can take place by A.heterosis B.fusion C.mitosis D.None of these A parking lot is shaped like a parallelogram and bounded on four sides by streets, as shown in the figure to the right. How much asphalt (in square yards) is needed to pave the parking lot?The amount of asphalt needed to pave the parking lot is __ yd^3, yd, or yd^2 Failing to reach out to someone for support, A. will result in an unbreakable bond B. will cause uncomfortable feelings to fester C. will do nothing and eventually hurt feelings will stop D. will lead you to your best outcome Recent scholarship on enslavement of africans during the british colonial period? People live in the present. They plan for and worry about the future. History, however, is the study of the past. Given all the demands that press in from living in the present and anticipating What is yet to come, why bother with what has been?]People live in the present. They plan for and worry about the future. History, however, is the study of the past. Given all the demands that press in from living in the present and anticipating what is yet to come, why bother with what has been?] A student observes two objects in space with his telescope. Both objects are seen orbiting the Sun. Which two objects are most likely observed by the student?a comet and an asteroida meteorite and a cometa meteor and an asteroida meteor and a meteorites The endocrine system is controlled by two types of feedback, _______ feedback_____ and_______ feedback. a supply chain in which value is added at various points in the distribution process is called a .