Answer:
Of the issues currently bedeviling financial services firms, risk culture is one of the foremost. The buildup in risk exposures preceding the financial crisis forced boards and regulators to question weaknesses in risk governance. Since the crisis, the numerous cases of “bad behavior” in the banking industry, such as the Libor and forex manipulation scandals, have intensified focus on the broader concept of risk culture.The Financial Stability Board, which sets international standards for the financial services industry and provides advice for national regulators, released a paper, “Guidance on Supervisory Interaction with Financial Institutions on Risk Culture,” in 2014 that defined risk culture as “the norms, attitudes and behaviors related to risk awareness, risk taking and risk management.” The FSB considers risk culture effective when it promotes sound risk-taking, addresses emerging risks (beyond risk appetite), and ensures employees conduct business in a “legal and ethical manner.” The FSB paper highlights the importance of subcultures across the organization adhering to consistent high standards and values.Lack of focus on known but unlikely risks – Failure to give sufficient weight to potential extreme events or poor outcomes was one of the characteristics in the run-up to the financial crisis. Stress tests were not sufficiently rigorous, and considerable anecdotal evidence suggests there was pushback when more severe tests were suggested. The pendulum has now swung in the direction of conservative risk assessment.
Trade-offs leading to too much risk – All organizations have to make trade-offs. Goals have to be set, whether it is to increase profits, reduce costs, or increase efficiency. The effect on risk must be fully recognized in order to avoid risk creep. A number of individually sensible decisions may be made, but the overall effect could be an excessive buildup in risk. This is true of all industries. A study of risk and safety culture failures across a range of industries found different physical causes but similar root causes: “mindless cost cutting, incentive schemes that divert attention away from safe operations and failure to see the safety implications of organizational changes.” (Hopkins, A. (2009). Preface, Learning from High Reliability Organizations) A clearly defined risk appetite, against which decisions can be measured and aggregate risk tested, is essential to counter these causes.
c
Explanation:
Which circumstance does NOT affect life expectancy of a population?
A)
diet
B)
divorce rate
economic status
D
access to medical care
Answer:
I think its b
Explanation:
a,c,d all affect a population
he _______ not go to school today as it is a holiday today
Answer:
he (did) not go to school....
Answer:
He did not go to school today as it is a holiday today.
Hope it helps :)
In context, the discussion of owehzhee" in the second paragraph suggests that the narrator
А
sees an attractive appearance as the best way to resist authority
B
believes that men like Shamengwa have no reason to be vain
С
dislikes and disapproves of men being preoccupied with their looks
D
understands and sympathizes with Shamengwa's attentiveness to his appearance
E
shares Shamengwa's focus on keeping a youthful appearance
Answer:
it is D hope it help
PLEASE HELP IM DESPERATE
Part A
In "The Necklace" how does Mathilde feel about her financial circumstances?
She feels superior to people who have less money than she has.
She feels grateful for what her husband can provide for her.
She feels that if she works hard she can gain the wealth she hopes for.
She feels ashamed that she is not wealthier.
Question 2
Part B
Which sentence best supports the answer in Part A?
"But one evening her husband came home with a triumphant air and holding a large envelope in his hand."
"But sometimes, when her husband was at the office, she sat down near the window and she thought of that happy evening long ago, of that ball where she had been so beautiful and admired."
"She came to know what heavy housework meant and the odious cares of the kitchen."
"'No; there's nothing more humiliating than to look poor among other women who are rich.'"
Answer: PART A IS THE LAST ONE WHICH IS SHES ASHAMED THAT SHE IS NOT WEALTHIER. PART B IS NO THERES NOTHING MORE HUMILIATING THAN TO LOKK POOR AMONG THE RICH WOMEN
Explanation:
IM IN 7TH GRADE AND I TOOK THE TEST AND THAT WAS THE RIGHT ANSWER
In "The Necklace" Mathilde feels ashamed that she is not wealthier. hence, Option D is correct. The sentence that best supports the answer in part A 'No; there's nothing more humiliating than to look poor among other women who are rich.' hence, Option D is correct.
What do you know about "The Necklace"?Guy de Maupassant is a French author best known for his 1888 short story "The Necklace." The novel's infamous twist ending was a defining feature of de Maupassant's style. The French newspaper Le Gaulois first published the tale on February 17, 1884.
In Guy de Maupassant's novel The Necklace, Mathilde Loisel is described as having a strong desire to wed a wealthy man. She ultimately wed Monsieur Loisel, a young employee of the Ministry of Public Instruction.
Hence, In "The Necklace" Mathilde feels ashamed that she is not wealthier. hence, Option D is correct. The sentence that best supports the answer in part A 'No; there's nothing more humiliating than to look poor among other women who are rich.' hence, Option D is correct.
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Which element should be included in both defending and challenging an op-ed?
O a counterclaim thesis statement
O reasons why the claim is correct
O a clearly articulated rebuttal
O strong evidence as support
Answer:
the answer is d or the last option
Explanation:
in order to do anything you must have strong evidence
Strong evidence as support should be included in both defending and challenging an op-ed. Thus, option D is correct.
What is op-ed writing?Op-ed, which stands for "opposite the editorial page," gets its name from the fact that it first appeared in a newspaper physically beside the editorial page. Today, the word is more commonly used to refer to a column that expresses the author's strong, knowledgeable, and laser-focused viewpoint on a subject that is important to the audience that will read it.
It is a prose essay that presents the viewpoint of a writer or other entity that is not a member of the publication's editorial board. An English-language North American newspaper or magazine usually publishes an op-ed. The current op-ed page is sometimes credited with being created and named by The New York Times.
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How do I make this more interesting?
She plays that instrument really well.
Answer:
As she played the instrument, the audience was put into a trance-like state, being utterly captivated and in awe of the performance.
From the story " Excerpt from The Legends of King Arthur and His Knights" By Sir James Knowles! In Passage 1 on page 2, what do the underlined words "royally and freshly" suggest about the mood at this point in the story? rescued Leodegrance from King Ryence of North Wales. When King Leodegrance heard the message, he cried out, “These be the best tidings I have heard in all my life-so great and worshipful a prince to seek my daughter for his wife!" . . . Then King Leodegrance delivered his daughter Guinevere to the messengers of King Arthur, and also the Round Table with the hundred knights. So they rode royally and freshly, sometimes by water and sometimes by land, towards Camelot. And as they rode along in the spring weather, they made full many sports and pastimes. And, in all those sports and games, 1) the mood is humorous, 2) the mood is grave, 3) the mood is joyful, 4) the mood is tense.
Answer:
b
Explanation:
i did that on my test to lol
A mood refers to the word choice by an author that determines how the audience feels about the message in the text. In the passage above, the mood that is suggested by the use of the words "royally and freshly" is;
2) The mood is graveA grave mood is that which is solemn and dignified. In the description of the movement of Guinevere and the messengers of King Arthur described in the passage, we can sense dignity and solemnity.
These moods are aptly qualified by the mood of graveness.
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how does engaging with topical issues develop our view of the world?
Answer:
Engaging with topical views increase our knowledge about the world and help us solve problems that people deal with. Engaging with topical issues enhances one's skills of solving topical issues.
Explanation:
Answer:
engaging with topical issues will help our world become a better place.
Explanation:
Which is the definition of a ray?a part of a line that has one endpoint and extends indefinitely in one directionthe set of all points in a plane that are a given distance away from a given pointlines that lie in the same plane and do not intersecta part of a line that has two endpoints
Answer:
a
Explanation: Because I got it right on the quiz
How did the coup in the rebel army affect the conflict between the Dinka and the Nuer tribes?
Answer: The coup in the rebel army had a noteworthy impact on the conflict between the Dinka and the Nuer tribes.
“A Nuer rebel officer, Riek Machar, tried to topple the rebels' supreme commander, a Dinka named John Garang. When the coup failed, the rebels escaped with forces loyal to him, mostly Nuer”
Why does Tom hit Myrtle at his apartment in New York City?A) Because she refuses to see him anymoreB) Because she asks him to divorce his wifeC) Because she taunts him about DaisyD) Because she flirts with Nick
Answer:
D obviously
Explanation:
Tom hit Myrtle at his apartment in New York City because she with Nick. The correct option is d.
What is the history of New York City?In the pre-Columbian era, the area of present-day New York City was inhabited by Algonquian Native Americans, including the Lenape. Their homeland, known as Lenapehoking, included the present-day areas of Staten Island, Manhattan, the Bronx, the western portion of Long Island and the Lower Hudson Valley.
The first documented visit to New York Harbor by a European was in 1524 by Italian Giovanni da Verrazzano, an explorer from Florence in the service of the French crown. He claimed the area for France and named it Nouvelle Angoulême. A Spanish expedition, led by the Portuguese captain Estêvão Gomes sailing for Emperor Charles V, arrived in New York Harbor in January 1525 and charted the mouth of the Hudson River, which he named Río de San Antonio. The Padrón Real of 1527, was the first scientific map to show the East Coast of North America continuously.
It was informed by Gomes' expedition and labelled the northeastern United States as Tierra de Esteban Gómez in his honour.
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Speaking loudly and enunciating are the same thing.
A. True
B.False
Answer:
False
Explanation:
Answer:
False
Explanation:
To enunciate means to speak clearly, making every letter clear. Speaking loudly is just speaking loudly.
(Hope this helps. :)
The icy, bitter night seemed to disappear as sally curled up to the warm cracking fire
Answer:
Yes you could use disappear, or you could also use the word fade.
What does Mrs. Putnam believe happened to her babies?
Answer:
She believes they were murdered.
Explanation: In the story it said so lol
Why each one is right? about Blind men and the elephant HELPPPP PLEASE ASAPPP
Answer:
They are all right and all wrong depending how you look at it. They are all right due to their limited indvidual perspective, but overall they are all wrong because it doesn't present the entire picture. Think of it as a puzzle that you don't know what it is going to look like. Each person has an indvidual piece, and based on their pieces, they are guessing what the puzzle will make. Only if they come together will they have a clear picture of the puzzle. I hope this helps.
In A Visit to Europe, how does author T. N. Mukharji poke fun at the English?
A. He shows that India has a superior artistic culture.
B. He shows that England has no social rules. C. He shows that the English expect him to be a cannibal.
D. He shows that in India, traffic rules are easier to follow.
Answer:
dudes wrong, this the answer!
Explanation:
The author T. N. Mukharji poke fun at the English, In A Visit to Europe, and He shows that the English expect him to be a cannibal.
Who was T. N. Mukharji?Trailokyanath Mukhopadhyay, also known as T. N. Mukharji in British Indian Government documents, was an Indian civil officer and notable author who published in both English and Bengali.
He took a visit to Europe, and mocks the English and demonstrates that the English anticipate him to be a cannibal.
Therefore, option C is correct.
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Is the underlined word an adjective or an adverb: The cat stretched slowly.
A. adverb
B. adjective
Answer:if pretty is the underlined word than the answer is b
Explanation:
Answer:
B adjective
Explanation:
bc adverb is like u me them
Question 2 of 24
Click to read the passage from "The Tell-Tale Heart," by Edgar Allan Poe. Then
answer the question.
What effect does foreshadowing have in this passage?
A. It builds suspense by announcing the crime that will take place.
B. It creates a depressing tone, as the audience pities the haunted
narrator.
O C. It establishes trust between the narrator and audience.
D. It makes the audience suspicious of the narrator's ability to tell the
truth.
SUBMIT
Which of these lines of dialogue is punctuated correctly? Question 1 options:
“Hey, come over here” I called to him.
“Why is it up to me”? Stella asked her brother.
“After all,” the doctor said, “if you don’t take your medicine, you won’t get better.”
Answer:
the third one
Explanation:
the first one is missing a period after here and the second one needs the question mark inside of the quotation.
Whose exit left the door open for invasion from the Angles, Saxons, and Jutes?
Answer the two questions thoughtfully from Act 2, Scene 1.
1) What do we find out about Brady and Drummond's relationship? Discuss. Be specific.
2) What did you learn about Reverend Brown? Discuss. Be specific.
Answer:
Two days later, the trial is in full swing. The scene opens with the young Howard on the witness stand. Howard explains to Brady the scientific theory that Cates taught him in school. Howard says, “Man was sort of evoluted. From the ‘Old World Monkeys.’” Brady mocks this theory and asks whether Cates ever mentioned God in his teachings. Howard says no. Brady begins what seems like a speech, but Drummond objects. Brady claims that he wasn’t about to make a speech but then derides evolutionists at length. The crowd applauds.
Drummond asks Howard what he thinks of Darwin and the theory Cates taught him. Davenport objects, but Drummond says he is trying to establish that Howard has the right to think. The judge and Brady insist that establishing the right to think is not the mission of the trial at hand. Drummond rephrases his question to ask Howard whether the theory of evolution has harmed him in any way. Brady objects, and the judge sustains the objection.
Drummond asks Howard if he believes the theory Cates taught him. Howard says he isn’t sure and has to think about it. Drummond asks Howard whether he thinks modern technologies like tractors and telephones are evil because the Bible doesn’t mention them. Brady protests that Drummond is confusing the witness. He asks Drummond whether “right” has any meaning to him. Drummond delivers a speech, claiming that right is meaningless but that truth is valuable “as a direction.” He says that a morality of simple right and wrong is arbitrary. Drummond asks Howard whether he understands their discussion. Howard says no, and Drummond dismisses him.
Davenport calls Rachel to the stand. Brady asks her about her acquaintance with Cates and about Cates’s religious affiliations. She explains that Cates stopped attending church after a local boy, Tommy Stebbins, drowned in the river while out for a swim. At the funeral, Reverend Brown declared that Tommy wouldn’t be saved because he had never been baptized. Cates interjects that Reverend Brown said the boy’s soul would burn forever. Dunlap shouts from the audience and calls Cates a sinner. The judge pounds his gavel and demands order. Cates continues to shout that religion should help people rather than cause them fear. The judge again calls for order. Drummond requests that Cates’s statements be stricken from the record, and the judge grants the request.
Brady resumes questioning Rachel about Cates’s religious views. Drummond objects on the grounds that hearsay isn’t admissible evidence, but the judge lets the question stand. Referring to their private conversation on the day of Brady’s arrival, Brady asks Rachel to repeat conversations she had with Cates about religious matters. Rachel falters. Brady quotes Cates as saying that man created God and that human marriage was comparable to the breeding of animals. Drummond objects. Rachel, visibly upset, claims that Brady is misquoting a joke Cates made. She goes silent, and Brady dismisses her. At Cates’s request, Drummond also dismisses Rachel.
Davenport states that the prosecution has no further witnesses. Drummond then attempts to call to the stand three scientists. Brady objects to the testimony of experts on evolution, and the judge sustains the objection. Drummond argues that testimony of scientists in this case is no different from testimony of forensics experts in a murder case. Drummond then asks the judge whether he would admit testimony on the Bible. When the judge agrees to allow such testimony, Drummond calls Brady to the stand. Davenport objects. The judge calls Drummond’s request strange, but Brady agrees to take the stand.
What does the image of ants represent?
the author
O society
nature
the author's friends and acquaintances
DONE V
In Henry Thoreau's Walden, he describes the meaning and the importance of life. In the passage, the image of the ant represents society. Thus, option B is correct.
What is the central idea of Walden?Walden is a reflection of the meaning of life and the importance of the natural surrounding. It was written based on the experience Henry had when he lived in the woods in-between nature.
In the passage, he compared ants to society as he thinks that society does not allow individualism same as the colonies of the ants that work in groups and teams rather than on their own. He suggested that people should live simpler and happier.
Therefore, the text compares ants to society.
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Answer:
B
Explanation:
society
Select the correct answer.
Read the adapted excerpt from "Araby" by James Joyce.
I could not find any sixpenny entrance and, fearing that the bazaar would be closed, I passed in quickly through a turnstile, handing a shilling to
a weary-looking man. I found myself in a big hall girded at half its height by a gallery, surrounded by darkness in the greater part of the hall.
Nearly all the stalls were closed.
Based on the context clues, which word best defines the word girded?
ОА
shocked
ОВ. .
overwhelmed
OC impinged
OD. encompassed
Reset
Next
Answer:
D. encompassed
Explanation:
From the excerpt given from "Araby" by James Joyce, it is narrated that the narrator while fearing that the bazaar would be closed quickly entered by paying a shilling to a weary-looking man.
It is described that the hall was "girded" at half its height by a gallery and the word "girded" means encompassed because it is the closest in meaning.
*
1. A mountain is a beautiful lonely and dangerous place.
A mountain is a beautiful, lonely and dangerous place.
O Amountain is a beautiful, lonely, and dangerous place.
O Amountain is a beautiful lonely and dangerous place.
Where do the commas go
Answer:
beautiful , lonely
Explanation:
because of the commas you need to put this to say that you're listing something
an essay would you like o attend boys or girls school
Answer:
I would join an all-girls school.
Explanation:
At an all-girls school, it's hard to fully appreciate the environment of encouragement and inspiration that is created. When a school is limited to only educating girls, the pedagogy changes, and the science behind how a female brain works and how girls grow and mature all become part of the core educational paths set forth for students. Students report feeling more free to speak and express themselves, which leads to a stronger development of a love of learning. According to the National Coalition of Girls Schools, nearly 80% of girls school students report feeling challenged to the point of achieving their full potential, and more than 80% of graduates from all-girls schools report that they consider their academic performance as highly successful. Education is an essential part of a living being, whether it’s a boy or a girl. Education helps an individual to be smarter, to learn new things, and to know about the facts of the world. Education plays one of the most important roles in Women Empowerment. It also helps to put a stop to discrimination based on gender. Education is the first step to give women the power to choose the way of life she wants to lead. Single gender education is powerful, particularly during the middle school years. The most impactful schools are the ones that have an established single gender culture. Girls’ schools create a culture of achievement in which academic progress is of great importance, and the discovery and development of a girls individual potential is paramount. “Time in the classroom is spent learning. Girls’ schools are a place where girls take center stage. And we think that is where they belong. Simply put, girls’ schools teach girls that there is enormous potential and power in being a girl. By subtracting boys an all-girls’ education adds opportunities. At a girls’ school, a girl occupies every role: every part in the play and every position on every team. Not only does she have a wealth of avenues for self-exploration and development: she also has a wealth of peer role models. The best, most effective, girls’ schools are the ones created specifically for the sole purpose of educating girls in the living and learning skills necessary to succeed in school and in life. These schools were created with girls in the forefront, and with girls occupying each and every role. These girls are taught by 21st century role models well-versed in the philosophy of how girls learn best, and the passion to bring that to the girls. In the end, girls’ schools should not be judged by the absence of boys, but rather by the presence—the self-assurance, poise, and deering-do—of the girls themselves.
Hope this helped you!
What is a type or classification of writing in literature called?
Answer: A type or classification of writing in literature is called a genre
Explanation:
Need explanation? Lmk!
TRUE OR FALSE ?? A sentence with a compound verb could be a simple sentence
Answer:
I think it's TRUE
Explanation:
because only more clause can change the sentence
Write out a brief conversation in which you meet someone, ask his or her name, and introduce him or her to another friend of yours.
Which answer choice best explains how the bolded participial phrase is used in this sentence?
The elderly couple dancing the tango in the ballroom swayed to the rhythms of the song.
It is used as the subject noun of the sentence.
It is an adjective to describe the word couple.
It is the active verb in the sentence.
It is an adverb modifying the verb swayed.
Answer:
Adjective
Explanation:
I took the K12 test
Answer:
B.)It is an adjective to describe the word couple.
Explanation:
Hope This Helps!
Haewon has gotta get a new dress.
Answer:
A new dress has been gotta get by Haewon.
Explanation:
I hope this will help u ^-^