Multiple values returned from an sql query that includes an aggregate function are called vector aggregates.
What is vector aggregates?
For those unfamiliar with the term, there are two types of aggregation. An aggregate associated with a GROUP BY clause is called a vector aggregate (even if the group-by-list is empty). Aggregates without a GROUP BY clause are called scalar aggregates. Vector aggregation is guaranteed to produce one row of output for each group present in the data set, but scalar aggregation is slightly different. A scalar aggregate always produces one row of output, even if the input set is empty.
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identify the ways in which companies assure investors that the financial statements are accurate. (check all that apply.)
The ways in which companies assure investors that the financial statements are accurate are :
1. Take note of daily operational financial TRANSACTIONS
2.Modules of the accounting system and subsidiary ledgers should be reconciled.
3.Take notes in your monthly journal.
4.Balance sheet accounts must be reconciled.
5.Study the revenue and cost accounts.
6.Establish financial statements.
7.Review of management
8.A month's worth of bookkeeping is closed.
Financial statements' definition.Financial statements are written records that give an account of an organization's operations and financial performance. The income statement, balance sheet, and statement of cash flows are needed financial statements. Government bodies, accountants, corporations, etc. routinely audit financial statements to guarantee accuracy and for tax, financing, or investing purposes. Trades can use these three statements to quickly assess a company's financial health and underlying worth. They are useful tools for traders to measure a company's financial strength.
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For any waiting line system, (average number of units in waiting line) = (total waiting time) divided by (total time of simulation).
a. true
b. false
For any waiting line device, (average range of devices in anticipating line) = (general ready time) divided by (overall time of simulation). TRUE
The average is the sum of all values divided by the number of values. it's also sometimes known as mean. In records, the mean is common in the given sample or statistics set. it's miles equal to the overall remark divided by using the number of observations.
In ordinary language, a mean is an average taken as a consultant of a listing of numbers, typically the sum of the numbers divided by way of what number of numbers are within the list. as instance, the common of the numbers 2, 3, 4, 7, and 9 is five.
The average that is the arithmetic implies and is calculated through adding a set of numbers and then dividing through the count of these numbers. for example, the common of two, three, three, five, 7, and 10 is 30 divided by 6, which is 5.In maths, the average fee in hard and fast numbers is the middle price, calculated by dividing the whole of all of the values through the variety of values. whilst we need to locate the average of a fixed of records, we add up all of the values and then divide this total by way of the wide variety of values.
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pam, your new marketing manager, is exploring the purchase of tens of thousands of email addresses from a legitimate source for the purpose of sending product information to the masses. she has asked your opinion. would you agree or disagree with her idea? why or why not?
Her suggestion to purchase tens of thousands of email addresses and send bulk emails to them is not one I would support. The email filters will likely classify it as spam and designate it as such. Given the widespread belief that spam is unacceptable, the email marketing campaign is unlikely to have a net beneficial effect on the minds of the potential audience."
Who is a marketing manager?An individual in charge of the marketing division is known as a marketing manager. He or she is in charge of all marketing and market research/study initiatives for the business. The marketing manager is in charge of an internal team unless the company is very tiny. They concentrate on ensuring that consumers are aware of their goods or services along with the team.
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william has been playing a rented saxophone for the last three years. he has now saved up enough money to purchase a new one, so he visits his local music store. the music store sells saxophones from two main companies. one company offers just the saxophone while the other includes reeds, cleaning equipment, and a buffing cloth. the instruments are the same price, so william decides to purchase the second one that includes the extra components. the choice william made was based on the instrument maker’s:
The choice William made was based on the competitive offering.
What is competitive offering?With the use of Indeed's data and insights, the Indeed Editorial Team is made up of a bright and diverse group of writers, researchers, and subject-matter experts who provide helpful advice for navigating your professional path.
When consumers desire certain goods and services, a competitive market develops. Due to the competition created by this market structure, companies must consider their costs of production, their pricing policies, and the number of products they offer.
Perfect competition, as well as competitive markets, aim to balance the interests of buyers and sellers and help participants develop strategies that take into account the supply and demand dynamics of the market at hand. Defining competitive markets, outlining their traits, and describing their functions and distinctions are all covered in this article.
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Activity j has a duration of 7 and an earliest finish time of 21. if j's latest start time is 16, this must mean that j's slack is:_________
Activity J has a duration of 7 and the earliest finish time of 21. If J's latest start time is 16, this must mean that J's slack is: 4.
Duration is the length of time something, from start to finish. The length can be long, like the length of a lecture series, or short, like the length of a party. The term of the name has arrived means the time when something needs to be completed.
Duration is defined as the lifetime of something. When a movie is two hours long, this is an example of a two-hour movie length.
Duration can measure the time it takes, in years, for an investor to recoup the price of a bond from the bond's total cash flows. The time period can also measure the price sensitivity of a portfolio of bonds or fixed-income securities to changes in interest rates.
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get paper industries (gpi) in nepal makes handcrafted gift bags and boxes. gpi employs more women than men and ensures that the women receive a fair equal wage and benefits. gpi has pioneered social projects, including helping underprivileged children, particularly girls, attend school. this is an example of
Get paper industries relationship marketing is a facet of customer relationship management (CRM) that focuses on customer loyalty and long-term customer engagement rather than shorter-term goals like customer acquisition and individual sales.
Get Paper Industry is a Fair Trade Organization focused on producers. We are members of the World Fair Trade Organization (WFTO) and Community Fair Trade Supplier of The Body Shop International. We produce a wide range of quality paper products like paper bags, boxes, gift items, greeting cards, and felt items.
Personal selling is also known as face-to-face selling in which one person who is the salesman tries to convince the customer in buying a product. It is a promotional method by which the salesperson uses his or her skills and abilities in an attempt to make a sale.
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The sum of all the income received for contributing resources to gdp is called ___________________.
The whole amount of money made through contributing resources to the gross domestic product (GDP) is referred to as national income.
Describe Gross Domestic Product (GDP).
The monetary worth of all completed goods and services produced in a nation over a certain time period is known as the gross domestic product (GDP).A country's economy's size and growth rate can be estimated using its estimated GDP.GDP can be calculated in three distinct ways: utilizing expenditures, production, or income. In order to provide more specific information, it can be modified for inflation and population increase.Real GDP accounts for the consequences of inflation, unlike nominal GDP.GDP is a crucial instrument for aiding companies, investors, and politicians in making strategic decisions, despite its limitations.To learn more about GDP visit:
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The answer is national income (Y)
If you invest $1000 in a savings account today and in 5 years you withdraw $2000 how much did you earn in compound annual interest?
in case you make investments of $1000 in your financial savings account these days and in 5 years you withdraw $2000. you earn in the compound annual interest: eleven. eighty four%
charge of interest (r) =?
amassed amount after five years (A) = $1,750
variety of years (n) = 5
important (P) =1,000
A = P (1 + r) ^n
1,750 = 1,000 (1 + r) ^5
1.seventy five = (1 + r) ^five
1.seventy five ^(1/five) = (1 + r) ^(five/5)
1.75 ^0.2 = 1 + r
r = 1.1184 – 1
r = 0.1184
If it's far converted into a percentage, then (0.1184 × one hundred =) eleven. eighty four%
solution: eleven.eighty four%
The annual interest refers back to the charge this is carried out over a length of 12 months. hobby costs may be implemented over extraordinary durations, which include monthly, quarterly, or bi-yearly. but, in most cases, interest prices are annualized.
A credit card's interest rate is the price you pay for borrowing cash. For credit score cards, the hobby rates are typically said as annual interest. that is known as the yearly percentage charge (APR). On maximum playing cards, you may keep away from paying hobby on purchases in case you pay your stability in full each month through the due date.
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Whitney wants to become a cosmetologist. what academic requirements will she need to complete in order to find a job? a. a bachelor’s degree b. vocational certification c. a master’s degree d. a doctorate degree
The answer to this given question is option b.
Whitney must pass several levels of school and training before she can get the job she wants.
The study and practice of beauty procedures such as hair styling, waxing, skincare, manicures, pedicures, etc. is known as cosmetology.
Cosmetology is, in other words, the study of hair, skin, and nails.
Whitney needs to complete her bachelor's degree, then pursue vocational training in her chosen field—such as skin, hair, or nails—and complete the necessary number of training hours before receiving her licensing certificate for employment.. Thereafter, Whitney can start as a cosmetologist. She can pursue training to work behind the chairs, start her own salon, or pursue employment in a variety of fields, including TV/media, freelancing, makeup artistry, and others.
Whitney must pass several levels of school and training before she can get the job she wants.
Hence, the ultimate answer for the given question is option b.
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the environmental performance of enhanced metal recovery from dry municipal solid waste incineration bottom ash. waste management
Incinerated bottom ash is the by product of Municipal solid waste incineration.
In recent years, the European Union (EU) has made waste management (WM) one of its top priorities. The key obstacle is achieving appropriate management that emphasizes waste prevention, reuse, and recycling, which results in an economy that is more ecologically friendly. Waste-to-energy (WtE) is a popular alternative in many nations to municipal solid waste (MSW) landfilling, which causes environmental problems.
Energy is recovered from unsorted waste parts during Municipal waste solid incineration (MSWI). 90% of the waste volume and 75% of the waste weight are reduced by this technique. The primary by-product of Municipal waste solid incineration is incinerated bottom ash (IBA). It represents 85% of the solid byproduct of combustion. Depending on its content of hazardous substances, incinerated bottom ash is either classed as hazardous or non-hazardous waste by the European Waste Catalogue (EWC) . incinerated bottom ash needs to undergo natural weathering in order to be valued as a secondary material.
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Jackson company has provided the following information: beginning inventory, $106,000; cost of goods sold, $456,000; and ending inventory, $83,000. how much were jackson's inventory purchases?
Beginning inventory + Purchases (X) - Cost of Goods Sold = Ending inventory.
$106,000; + X - $456,000 = $83,000. Purchases = X = $474,9000
Stock refers to all of the objects, items, products, and substances held with the aid of an enterprise for selling within the market to earn a profit. example: If a newspaper seller makes use of a vehicle to supply newspapers to the customers, best the newspaper can be taken into consideration in inventory. The automobile can be dealt with as an asset.
Inventory is the items/products an organization has to promote, as well as the substances needed to create the products. The 3 predominant classes of stock are raw substances, work-in-progress, and completed goods. An example of raw materials stock would be the magnesium in an alloy wheel.
The four styles of inventory maximum usually used are raw substances, paintings-In-procedure (WIP), finished goods, and renovation, repair, and Overhaul (MRO). you can practice better inventory manipulation and smarter stock management when you recognize the type of inventory you have got.
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What is responsibility accounting? why should uncontrollable costs be excluded from performance reports prepared in accordance with responsibility accounting?
The phrase "responsibility accounting" refers to an accounting framework that gathers, condenses, and presents financial information on each manager's duties. A system for tracking responsibility offers data on each manager's revenue and spending items that are under their direct control (authority to influence).
What is responsibility accounting?
The objects within the responsible manager's authority are listed in a responsibility accounting report. Accountants should distinguish between controllable and uncontrollable things when they are both present in the report. An essential part of responsibility accounting and reporting is the identification of controllable things.Controllable costs and non-controllable expenses are two categories in which costs are gathered and reported. The former are those that the management (head) of the responsibility center can alter. He possesses power to control an item's quantity, price, or both through administrative action. Naturally, uncontrollable costs are those that the manager is unable to raise or lower over the course of a certain period of time. However, these can be altered at levels of management authority above. Costs of direct labor, raw materials, and operating supplies may typically be controlled. Rental fees, depreciation, and equipment insurance are examples of fixed costs that are unavoidable.Any costs that are beyond their control are not their responsibility. Uncontrollable expenses are thus not included in the performance report.To learn more about responsibility accounting visit:https://brainly.com/question/14316146
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giannis corporation purchases debt investments as trading securities at a cost of $150,000 on december 1. this is its first and only purchase of such securities. on january 5, giannis corporation
In the scenario described above, the Giannis Corporation would record a gain of $1,000 in the journal entry of the transaction if it sold a portion of its trading securities, which cost $9,000, for a total of $10,000. As a result, choice C is valid.
Giannis Alafouzos organizes and promotes numerous environmental projects and charitable endeavors through the SKAI media outlets and his non-profit organization Oli Mazi Boroume (English translation: Together We Can). Under his leadership, Skai Group and Skai Perivallon (Skai Environment in English) have coordinated a number of initiatives to clean up Greek regions and promote recycling. As part of Giannis Alafouzosan's initiative to inform people about the restoration of the burned areas, SKAI launched the "Parnitha Observatory" in collaboration with Kathimerini and WWF Hellas. Oli Mazi Boroume has operated as an ongoing social campaign since the beginning of 2010 with a focus on educating the public and planning events to support a number of causes and organizations (organizing concerts to raise money for the needy, Giannis Alafouzos collecting clothing, food, and medicine, setting up soup kitchens throughout Greece, etc.).
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A+company+issued+8%,+15-year+bonds+with+a+par+value+of+$550,000+that+pay+interest+semi-annually.+the+current+market+rate+is+8%.+the+journal+entry+to+record+each+semiannual+interest+payment+is:________
The Company has issued an 8% 15-year bond with a face value of $550,000 and interest is paid semi-annually. The current market rate is 8%. A journal documenting semi-annual interest payments: $22000.
A company is a type of enterprise structure that could be a separate criminal entity from its owners. it is a complex commercial enterprise structure, with higher set-up and administrative prices due to extra reporting necessities and higher-degree legal responsibilities.
A company is a frame corporate or an integrated business organization registered beneath the corporation's activities. it could be a limited or an unlimited organization, a personal or a public enterprise, an organization confined by using a guarantee or a corporation having a proportion capital, or a community hobby organization.
A company is known as an agency due to its human will to supply costs. The record of “to produce” is Latin, deriving from product: to lead forth, or convey forward. The history of “agency” is old French, meaning company, or companionship.
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Structuring your document by _____ focuses on the similarities and/or differences between points or concepts.
Structuring your document by comparison focuses on the similarities and/or differences between points or concepts.
Frame sentences guide the topic sentence and relate sincerely to the difficulty matter of the paragraph and average document. they will use an organizing principle much like that of the record itself (chronology, comparison, spatial) or introduce a related organizing principle (factor with the aid of factor, process or process).
Paragraphs are the basic organizational unit for imparting and emphasizing the key points in a document. powerful paragraphs can offer an effective emphasis strategy, however the placement within the web page also can have an effect on consider and impact.
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The cash flows for a project are c0 = 1,000; c1 = 600; c2 = 400; and c3 = 1,500. what is the payback period?
Payback period in capital budgeting refers to the period of time required to recoup or recover the funds invested in an investment, or to reach the break-even point.
In the given case:
Initial investment = (1000)
Payback Period = 2 Years ( -1000 + 600 + 400)
Payback period is defined as the number of years required to get better the original coins investment. In different phrases, it's miles the time period on the quit of which a device, facility, or other investment has produced enough internet sales to recover its funding fees.
In easy terms, the payback period is calculated through dividing the price of the investment by means of the yearly coins float till the cumulative cash glide is advantageous, which is the payback year.
The Payback period suggests how long it takes for a commercial enterprise to recoup an investment. This sort of analysis lets in companies to compare alternative investment opportunities and determine on a challenge that returns its investment inside the shortest time if that criteria is important to them.
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An event that affects the financial position of a company but does not include an exchange with a separate economic entity is a(n):_______
An event that affects the financial position of a company but does not include an exchange with a separate economic entity is a(n) internal transaction.
A business's internal transactions are economic activities that can change the accounting formula. In other words, the accounting equation is changed by a trade from one department to another within the same company. The office department took supplies from the shipping department and charged them. Assets from the shipping department may also experience this. For instance, the shipping department would get a new asset if the office department chose to modernize its computers and opted to give its outdated office computers to the shipping department.
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the law offocuses entirely on the effect of a change in the good's price on the quantity of the good consumed and holds everything else constant.
The Law of Demand is the law which ofcourse entirely on the effect of a change in the good's price on the quantity of the good consumed and holds everything else constant.
What is meant by The Law of Demand ?
The rule of demand is among the most fundamental concepts in economics. It describes how market economies use the law of supply to allocate resources and determine the prices of the commodities and services we see in everyday interactions.
The law of demand states that the relationship between quantity purchased and price is inverse. In other words, when the price rises, the amount demanded falls. This occurs as a result of falling marginal utility. To put it another way, customers use the first units of an economic good they purchase to take care of their most urgent needs first, and then they spend each additional unit to take care of increasingly lower-valued objectives.
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the producer with the relative opportunity cost has a comparative advantage and should specialize in the production of that good.
the producer with the lowest relative opportunity cost has a comparative advantage and should specialize in the production of that good.
Opportunity costs typically represent the potential benefits which any individual or any investor or any business misses out on when it is choosing one alternative over another.
Because opportunity cost is unseen, it can be easily overlooked. While understanding the potentials of missed opportunities when any business or any individual chooses one investment over another allows the business for better decision making.
Opportunity cost is the forgone benefit which would have been derived from an option which is not chosen.
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Capital structure refers to the amount of debt and equity used to finance operations. optimal capital structure is one that focuses on reducing:____.
1) taxes
2) debt
3) equity
4) wacc
Capital structure refers to the amount of debt and equity used to finance operations. An optimal capital structure is one that focuses on reducing: taxes.
A tax is a mandatory fiscal fee or other tax imposed by a government entity on taxpayers to finance government expenditures and various government expenditures, as well as like tax.
A tax deduction is a provision for reducing taxable income. A one-time deduction is a one-time deduction for a fixed amount. Batch deductions are common among high-income taxpayers who often have large deductible expenses, such as state/local taxes paid, mortgage interest, and arrears. charitable contributions.
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andy views root beer and pizza as complements to one another. if the price of pizza decreases, economists would expect:
If the price of pizza decreases, economists would expect Andy's demand for pizza to increase. Demand is the number of people that are willing and able to acquire things at different prices over a specific time period. Demand for any product denotes customers' desire to obtain the good, as well as their willingness and ability to pay for it.
For example, if a hungry consumer purchases a piece of pizza, the first slice will provide the most benefit or utility. Each extra slice increases demand consumer satisfaction while decreasing utility. In theory, the first slice may command a greater price from the customer.
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The ____________ is a thorough, systematic, periodic evaluation of the objectives, strategies, structure, and performance of the marketing organization.
The Marketing Audit is a thorough, systematic, periodic evaluation of the objectives, strategies, structure, and performance of the marketing organization.
The Marketing Audit is a rigorous, organized, and regular assessment of the goals, plans, and functioning of the marketing organization. A periodic evaluation is one that is planned to happen repeatedly on a regular basis. The amount of time between each examination can range from weekly to yearly.
The purpose of a periodic evaluation, on the other hand, is to periodically assess employees in accordance with pre-selected outcome areas. A periodic evaluation may occur daily, weekly, monthly, bimonthly, or annually. Both the periodic evaluation and the ad hoc evaluation are useful evaluation kinds that are offered by Assess TEAM.
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In connection with the element of inspection, a cpa firm's system of quality control should ordinarily provide for the maintenance of?
A cpa firm's quality control system should typically allow for the maintenance of participation in professional development activities in connection with the element of inspection, as this will allow them to carry out their assigned duties.
Governmental organizations, private and public corporations, as well as nonprofit organizations, can all benefit from the accounting, auditing, financial, and consulting services offered by CPA firms. There must be at least one certified public accountant from the state where the company is based in every firm. The licensure and certification standards for CPAs are set by each state and can vary.
Depending on the requirements of the company or organization that hired them, as well as their own goals and objectives, a CPA firm may provide a range of financial and advisory services. There are many services available, including assurance and audits, information technology, forensic and environmental accounting, international accounting, business and management consulting, tax preparation, and personal financial planning.
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chegg marketing research should only be conducted when there is a need to make a decision, and information is needed for decision-making purposes.
Marketing research should be only conducted when there is a need to make a decision by firms and do not have information available to guide decision-making.
Marketing research tends to help in reducing the uncertainty surrounding the decisions to be made. So marketing research cannot itself make the decisions, and guarantee success. As it serves marketing management by providing information which is relevant to decision-making.
In order to collect insights from your target audience, marketing research plays an important role, as it focuses on the opinions and attitudes of the target audiences which would help one to evaluate current products and services.
Hence, marketing research links the consumer to the marketer.
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United states business operations (i.e., product design) in an international area based on the local standard rather than u.s. standards is an example of a decision based on _______ considerations
United States business operations (i.e., product design) in an international area based on the local standard rather than U.S. standards is an example o decision based on ethical considerations.
Ethical decisions encourage belief and with it fairness, duty, and care for others. the ethical choice-making manner acknowledges these situations and requires reviewing all available options, getting rid of unethical perspectives, and deciding on a great moral opportunity. accurate decisions are each powerful and moral.
Ethical decision-making is primarily based on middle man or woman values like trustworthiness, admiration, obligation, fairness, being concerned, and desirable citizenship. Ethical decisions generate moral behaviors and provide a foundation for proper enterprise practices. As an instance, we might say it is ethically obligatory for dads and moms to take care of their youngsters, not best because it's far-right for them to do it, but also because it is inaccurate for them not to do it. The kids could suffer and die if their parents no longer take care of them.
The 5 ethical considerations consist of voluntary participation, knowledgeable consent, anonymity, confidentiality, the ability to harm, and effects of conversation.
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For+2014,+colgate+anticipates+its+capital+expenditures+to+be+approximately+at+what+%+of+sales?+enter+with+1+decimal+place+and+with+%+sign
As per the Annual Report of 2014 of Colgate the capital expenditure was approximated to be 4.5% of Net Sales. This was an upgrade from the 3.5% of Net sales historically for Colgate.
One decimal location to the left of the decimal point is the ones place. One decimal location to the right of the decimal location is the tenths area. To round to a decimal location have a look at the primary digit after the decimal point if rounding to one decimal region or the second one digit for two decimal locations. draw a vertical line to the proper of the area fee digit this is required. look at the subsequent digit. if it's 5 or extra, boom the preceding digit via one.
In Algebra, decimals are one of the kinds of numbers, which has an entire variety and the fractional component separated by way of a decimal point. The dot gift among the complete quantity and fractions element is called the decimal factor. as an instance, 34.5 is a decimal range. Decimal numbers lie between integers and constitute numerical cost for portions which can be complete plus some part of a whole. Fractional shape: In fraction shape, we will write that there is one and one-half of of a pizza.
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What term is used to describe creative thinkers continuously striving for innovation in technologies, supply sources, distribution outlets, or methods of production who are also change agents who create large-scale change using pattern-breaking ideas to address the root causes of social problems?.
A social entrepreneur is someone who seeks out creative applications with the potential to address issues in their communities. These people are prepared to take risks and make the sacrifices necessary to use their initiatives to improve society.
What is the importance of social entrepreneurship?People who may be looking for meaning and purpose in their employment can find inspiration from social entrepreneurs. Products and services that affect social change assist their users in improving not only their lives but also finding purpose in them.
A social entrepreneur is a creative thinker who consistently pursues innovation in technologies, supply sources, distribution channels, or manufacturing processes. They are also changing agents who bring about significant change by utilizing novel ideas to solve the underlying causes of social problems.
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What benefits would trudy gain by ambulating to the dining room for esch mean ?
The act of walking to the dining room for their meal amplifies Trudy body's metabolism; which leads to better burn up of calories once they consume and digest their food.
What is a body's metabolism?The body metabolism entails the overall process by which the human body converts what they eat and drink into energy. During this complex process, the calories in food and beverages are combined with oxygen to release the energy your body needs to function.
As all being need energy to grow and reproduce, maintain their structures and respond to their environments, the metabolism process enables the organisms to transform the chemical energy stored in molecules into energy that can be used for cellular process
In conclusion, as an exercise is very good for the body system, then, the act of walking to the dining room for their meal amplifies Trudy body's metabolism; which leads to better burn up of calories once they consume and digest their food.
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Gambling is an example of the ______ in that some people believe they have the skill to beat the odds, even though most of the time they cannot.
Gambling is an illustration of the illusion of control because some people think they have the talent to overcome the odds even if they frequently fail to do so.
The tendency to overestimate your ability to influence the course of uncontrollable events is known as the illusion of control. This way of thinking is supposed to contribute to paranormal beliefs, gambling, and superstitions. According to research, when people get the result they want, they frequently think they were in charge of it. Even when people have little real control over what happens, this nevertheless happens. One illustration of this phenomenon is donning a lucky baseball cap to "help" your favorite team win.
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what country's currency is seen as the dominant form of international financial transactions quizlet
The U.S. dollar is regarded as the dominant nation's currency in terms of international financial transactions, in part due to its prominent function as a medium of exchange.
Although there is no universally accepted unit of account, governments, corporations, and central banks all use reserve currencies in their dealings with one another. The U.S. dollar has dominated as the global reserve currency since the World War II. Due to the stability of the American economy and financial system, the dollar is used as a reserve currency. For instance, debt issued by developing market nations is frequently denominated in dollars rather than local money in the form of international financial transactions.
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