Notice of information practices must be given to a policyholder at least every three years.
The policyholder (or policyholder) is the holder of the insurance policy. In most cases, the policyholder is the only person who can change the policy. The policyholder is also responsible for ensuring that premium payments are up to date.
The policyholder is the person who holds the insurance policy. So if you buy an insurance policy in your own name, you are the owner of the policy, and you are protected by all the details inside. As a policyholder, you can also add other people to your contract, depending on your relationship.Learn more about insurance policy here: https://brainly.com/question/25855858
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managers today are most likely to work on which of the following diversity issues?
a) Trying to make sure that their workforce reflects the racial makeup of the neighborhoods that surround them
b) Trying to make sure that they have more than just a token presence of minority employees in their companies
c) Looking for ways to use the diverse skill sets brought the company by a wide variety of diverse employees
d) Trying to make sure that they find tests that do not unfairly discriminate against African-Americans
Answer:
Looking for ways to use the diverse skill sets brought to the company by a wide variety of diverse employees.
Explanation:
Managers today are most likely to work on c) Looking for ways to use the diverse skill sets brought the company by a wide variety of diverse employees.
A manager is an character inside an business enterprise who's in price of coordinating the efforts of people or the allocation of sources. As such, a manager is person who undertakes management sports.
The primary function of the supervisor is to co-ordinate the work of all the personnel within the organization and to result in the great consequences that ensures the growth of the enterprise. there are various roles and responsibilities that managers keep in an effort to bring about the high-quality consequences from the employees.
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In the early days of our nation, a strong centralized bank was favored by __________.
The Federalists in the early years of our country desired a powerful centralized bank.
What are Centralised banks?The central bank is now a government-run organization that oversees the money supply, or the total amount of currency in circulation, as well as the management of a nation's or set of nations' currencies. Price stability is one of many central banks' primary goals. An organization that controls a state's or formal monetary union's commercial banking system and regulates its money and monetary policy is known as a banking system, reserve bank, and monetary authority. A central bank has the exclusive right to expand the monetary base, unlike a commercial bank.
What is an example of a central bank and how do central banks work?One of the most potent central banks around the world is the U.S. Federal Reserve. The eurozone's governing institutions are the European Central Bank. The Reserve Banks of Australia and New Zealand, the Bank of England, the Bank of Japan, the Swiss National Bank, and other notable central banks are also worth mentioning.
Implementing monetary policy and managing the money supply are the responsibilities of central banks, which are frequently tasked with preserving low rate of inflation & steady GDP growth. To manage the cost of debt and lending across an economy, central banks have an impact on interest rates and take part in open market activities.
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100 POINTS!!!!!!!
Which answer would be the best response for the interview question, "Do you have any questions?"
A) "How often I can take days off?"
B) "No, thank you for your time."
C) "What does a day in this position look like?"
D) "What is the expected salary for this position?"
Answer:
C
Explanation:
Answer: c
Explanation:
You should be interested in your job, not about days off.
a basic principle of relationship marketing is that firms should concentrate on producing and promoting products that appeal to large groups of people. group startstrue or false
This is False, a firm concentrating on the production and promotion of products that appeal to large masses is not a basic principle of relationship marketing.
Relationship marketing come under customer relationship management (CRM) which states that engagement of customers for the long term and increasing the number of loyal customers matter more than customer acquisition and individual people sales which define the short-term goals of a firm.
It is hard to work with new customers and achieve customer loyalty, therefore companies are focussing more on retaining old customers which could lead to higher customer lifetime value. Relationship marketing won't work for promoting their products, they rather work on building stronger organizational alignment around the customer.
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suppose you use your credit card to buy a $400 television. your apr is 4.9%. how much interest will you owe if you pay your bill in full within the grace period? $19.60 $34.96 $66.69 $0
0$ interest you will owe, if you pay your bill of 400$ when your apr is 4.9% in full within the grace period while using your credit card.
What is a grace period for a credit card?
A grace period is the time between the end of a billing cycle and the payment due date.
You may not be charged interest during this period if you pay your balance in full by the due date. A grace period is not required by credit card companies. Most credit cards, however, offer a grace period on purchases.
If your credit card offers a grace period and you do not have a balance, you can avoid paying interest on new purchases if you pay your balance in full by the due date. If you do not pay your balance in full by the due date and lose your grace period, you will be charged interest on the unpaid portion of the balance. In addition, you will be charged interest on purchases made in the new billing cycle beginning on the date each purchase is made.
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price ceilings tend to create shortages when used to bring down price to the level of marginal cost. create a price above equilibrium. reduce exploitative use of market power. bring down price in a competitive market.
Price Ceilings create shortages when used to bring down price in a competitive market.
A ceiling is an overhead interior surface that covers the higher limits of a room. It isn't always typically considered a structural element, but a completed floor concealing the bottom of the roof structure or the ground of a tale above. Ceilings can be embellished to flavor, and there are many first-rate examples of frescoes and artwork on ceilings in particular in spiritual buildings. A ceiling can also be the higher restriction of a tunnel. The maximum commonplace form of ceiling is the dropped ceiling, which is suspended from the structural factors above.
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def growth fund has net assets of $330 million and liabilities of $15 million. the fund has 10 million outstanding shares. what is the fund's current net asset value (nav) per share?
Currently, the net asset value (nav) per shares of the fund is $31.5.
What is net asset value?The current asset value of fund's portfolio (after deducting liabilities) is divided by the total number of outstanding shares to arrive at the net asset value.The net asset value, or NAV, of an investment fund, which is computed by adding together each of the fund's assets and subtracting all of its liabilities, serves as a representation of the fund's value.Mutual funds and ETFs evaluate the price per share of the fund using NAV.The amount of outstanding shares of such an investment fund is multiplied by the net asset value of fund's assets less if its liabilities to determine the fund's net asset value.NAV is frequently used to determine an ETF or mutual fund's share price.Here ,Given net asset = $330
Liabilities = $15
Outstanding share = 10
Net asset value = ($330 - $15) / 10
= 31.5
Therefore the net asset value is : 31.5 .
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Exhibit 24-3 Price Quantity Refer to Exhibit 24-3. Total revenue of this profit maximizing monopolistic competitor is represented by the area OOP AQ2 OOPSEQ2 OP3P, AC OP4DQ3.
Option (A)
The monopolistic firm will set MC=MR for profit maximization so, quantity = Q2,
Price = P1
TR = Area 0P1AQ2
Option(A)
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What is Cyber Monday?
A. Computer holiday
B. The day students return to school
C. Beginning of on-line shopping season
Beginning of on-line shopping season is Cyber Monday and also a Thanksgiving weekend.
In the world of online shopping, the Monday after the American Thanksgiving holiday is referred to as "Cyber Monday." Online shops typically provide unique promotions, discounts, and bargains on this day, just like brick-and-mortar stores do on Black Friday. Traditional stores, meanwhile, provide special offers that can only be found online. Some interpret the outcome as evidence that the lines between Black Friday and Cyber Monday have been blurred as a result of the combination of in-person and online shopping. Four days after Thanksgiving is when Cyber Monday occurs. It was developed to entice people to conduct online shopping. Although the day after Thanksgiving, Black Friday, remains the busiest shopping day of the year, COVID-19's launch in 2020 led to $9 billion in online spending on Black Friday and $10.8 billion on Cyber Monday.
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Question 1 of 10
Which of the following best describes what a manager does?
Answer:
Explanation:
Manager is responsible to integrates all the activities which are performed in an organisation. In other words, he has to co-ordinate the talents of people working under him for the purpose of achieving the organisational goals. The role of a manager gets much importance than other executives in an organisation.
Which of the following are goals of a manager charged with overseeing inventory?
A. Ensuring inventory quality meets the customers expectations and company standards
B. Maintaining a sufficient quantity of inventory
C. minimizing the cost of carrying inventory
The primary goals of inventory managers are to maintain enough inventory on hand to meet customer needs, make sure inventory quality meets both customer and company standards, and keep the cost of acquiring and carrying inventory as low as possible (including costs related to purchasing, production, storage, spoilage, theft, obsolescence, and financing). It is not the responsibility of the manager in charge of inventory to solicit sales orders from customers.
A person who manages a company's inventory levels is known as an inventory manager. Through supplier analysis, daily delivery tracking, and shipment evaluation, they oversee a staff that receives and records new goods as it is delivered or shipped out.
Effective leadership is required of inventory managers. They recruit, retain, and manage a group of workers, along with all the difficulties that entails. They must guide their group. They must also be able to follow instructions and cooperate with a larger group of people.
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What is not covered by FDIC insurance?
Mutual funds, annuities, life insurance plans, stocks, and bonds are examples of investment products that are not covered by FDIC deposit insurance because they are not considered to be deposits.
What does FDIC insurance actually cover?Up to the insurance limit, the FDIC insures depositor accounts at each insured bank, dollar for dollar, including principal and any interest that has accumulated up to the date of the covered bank's closure.No matter how many accounts you have, the FDIC in the US will protect your money from bank collapse up to a maximum of $250,000 per name.It does not safeguard your funds against bank robberies because it is not necessary.The bank is the custodian in trust when your money is in the bank.Mutual funds, annuities, life insurance plans, stocks, and bonds are examples of investment goods that are not covered by FDIC deposit insurance since they are not considered to be deposits.To learn more about FDIC refer,
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What accounting statement lists the overall financial condition of an organization?.
Balance sheet is the accounting statement that lists the overall financial condition of an organization.
A financial statement that lists a company's assets, liabilities, and shareholder equity at a certain point in time is referred to as a balance sheet. The foundation for calculating investor return rates and assessing the capital structure of a company is provided by balance sheet.
Numerous accounts are shown on a balance sheet and are divided into assets and liabilities. A balance sheet's structure will vary slightly depending on the organization, just like it does with any other financial statement.
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according to the flsa, which individual is most likely a nonexempt employee? group of answer choices an hr manager an hourly paid production line employee the director of marketing the ceo a senior administrative employee
The truth about nonexempt workers is that they are those who are protected by the FLSA, which covers the majority of hourly workers.
What does the term "non-exempt employees" mean?
If an employee works more than 40 hours per week and is not exempt from pay, they are entitled to the minimum wage plus overtime pay.
According to the FLSA, employers must pay non-exempt employees no less than time and a half of their regular hourly rate for every hour above 40 in a workweek. If a non-exempt employee is not compensated hourly, their hourly rate can be calculated by dividing their total compensation by the number of hours they worked. Holidays, vacation days, and sick days shouldn't be taken while performing these computations.
unless the individual actually worked on those days.
Employers shouldn't assume that a worker qualifies for the FLSA's exempt status simply because they receive compensation. If an employee doesn't meet the requirements.
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when byron manufacturing decided to recycle component parts, it not only saved the company money, it also limited the amount of waste it sent to landfills. this decision reflects the idea of blank . multiple choice question. crm csr iso jit
When byron manufacturing decided to recycle component parts, it not only saved the company money, it also limited the amount of waste it sent to landfills. this decision reflects the idea of CSR.
Manufacturing is the making of merchandise manually or by a gadget that upon completion implausible story sells to a consumer. A guest can implement four types of CSR exertions: referring to practices or policies that do not negatively affect the environmental initiatives, generosity work, moral labor practices and come forward projects.
Corporate social responsibility (CSR)is a form of international private trade self-requirement that aims to cause pertaining to society's goals of a giving, militant, or lenient character by charming in or supporting enlisting or fairly familiar practices. CSR plays a critical part in an association's brand perception; attraction to consumers, clerks, and financiers; ability retention; and overall trade progress.
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Dr. Benavidez is placed on unpaid leave due to medical errors that he made last month. This unpaid leave is.
This unpaid leave is an emergency, an audit.
What is an emergency?An unexpected combination of circumstances, or conditions resulting therefrom, that require immediate attention. : An urgent need for help or relief. After the flood, the mayor declared a state of emergency.The primary goals of emergency planning are to reduce injuries, protect communities, and maintain business continuity. Contingency plans typically include the procedures required in the event of a crisis, a clear set of roles and responsibilities, and designated instructions to authorities regarding local emergency and recovery. An emergency is an urgent, unexpected, and usually dangerous situation that poses an imminent threat to health, life, property, or the environment and requires immediate action. Knowing which disasters are most likely to hit your business can help you get back up and running audit. A business reopening self-assessment helps assess exposure to common hazards such as hurricanes, wildfires, floods, and even cyberattacks.To learn more about emergency from the given link :
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jack has $50,000 to invest in a portfolio of bonds. he decides to invest $25,000 into bonds with a two-year maturity and $25,000 into bonds with a 10-year maturity. his portfolio illustrates what type of bond strategy? a) bond ladders b) bond barbells c) bond swaps d) bond bullets
Bond barbells are the solution. A method for investing in both short-term and long-term bonds is known as bond barbells.
When it comes to purchasing a bond portfolio, what are the three active strategies?
Active, passive, and hybrid bond strategies are all possible options. Bond swaps are typically used in active strategies to take advantage of anticipated changes in the bond market and either seek higher returns or maintain a portfolio's value by selling one group of bonds to buy another group.
Which bond portfolio is constructed with purchases being phased in over time in installments?
The construction of a bullet portfolio only has one maturity, which is typically somewhere in the intermediate range, around ten years.
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one method through which reinsurance is provided is through an organization of insurers that underwrites insurance on a joint basis. through the organization, financial capacity is available for large commercial risks. this reinsurance arrangement is a(n)
A group of insurers that jointly underwrite insurance is known as a "reinsurance pool," and this is one way that reinsurance is supplied.
Define the term reinsurance pool?Reinsurance Pool is a risk financing tool that insurance firms use to expand their capacity to take on certain kinds of risks.
A contractual reinsurance agreement permits the insurer to transfer risk to the pool. The insurer can have a stake in the pool and take up a portion of the risk.This is a method of finance that offers insurance to insurers. Through the pool, insurers can provide the government a portion of their risk. Property insurance coverage for homes, buildings, and small businesses are covered.Reinsurance is an agreement among a reinsurer and an insurer, also known as "insurance for insurance firms." The insurance company (the cedent) transfers responsibility to the reinsurance firm in this agreement, and the latter takes up all or a portion of the cedent issued more insurance policies.Reinsurance may be offered through a group of insurers who jointly underwrite insurance as one form of delivery. The corporation has the financial resources to handle significant business risks.
Thus, reinsurance pool describes this reinsurance arrangement.
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According to your text, there is no such thing as time management. since no one can actually manage time, it suggests that what most of us think of as time management is really which of the following? self-regulation autonomous living independent goal-setting self-management a race against the clock
What most of us think of as time management is really self management
Our capacity for conscious and useful self-management of our actions, thoughts, and emotions. A person with strong self-management abilities is aware of what to do and how to behave in various circumstances. They know how to control their rage, for example, when an umpire unfairly strikes their child during a little league game.
A strong sense of self-control enables you to be more productive, makes you stand out as a valuable worker at work, and keeps you on track to reach even your most ambitious life objectives.
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your client's federal marginal income tax rate is 35%, and his state marginal income tax rate is 5%. he is considering investing in a municipal bond issued by his local municipality that will yield him 6%. calculate the taxable equivalent yield of this bond. a) 10.00% b) 3.60% c) 9.23% d) 8.40%
The taxable equivalent yield of this bond is option C which is 9.23%
According to the question,
We see that the taxable equivalent yield of the municipal bond is given as equal to=6%/(1-35%)=9.231%.
The tax-equivalent yield is the return that an available security would have to yield to rise to the yield on an equivalent comparable tax-exempt bond, like a municipal bond. The computation is an instrument that financial backers can use to look at the profits between a tax-exempt venture and an available other option. Municipal bonds are charge absolved, hence the after-tax yield is equivalent to the pre-tax yield, which is 4.5%. Given a 28% duty rate, the taxable equivalent yield is to such an extent that: taxable equivalent yield *(1 - 28%) = 4.5% taxable equivalent yield = 6.25%
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Terms of trade is the
A. difference between export and import of goods
B. rate in which exports is exchanged
C. difference between the export and import of services
D. percentage of export and import of goods and services
Answer:
D
Explanation:
trade is exchanges both international, internal tangible as well as intangible Assets.
which of the following is an assumption used in cost-volume-profit analysis? select one: a. all costs are classified as fixed or variable. b. the total cost function is linear. c. the total revenue function is linear. d. all of the above.
All costs are classified as fixed or variable , all costs are classified as fixed or variable, all costs are classified as fixed or variable . D all of the above.
What does cost-volume-profit analysis mean?
Finding out how changes in variable and fixed expenses impact a company's profit can be done using a cost-volume-profit (CVP) analysis. Companies can utilize CVP to determine the number of units they must sell to achieve break-even (cover all costs) or a specific minimum profit margin.What three components make up a CVP analysis?
Identifying the impact of changes in variable and fixed expenses on profitability is the goal of a CVP analysis.
Cost, sales volume, and price are the three key factors.
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on january 1 year 1 the starshina company paid 25000 for a photocopier with an estimated useful life of 4 years and an estimated residual value of 5000 the company uses the double declining balance method wjat is the amount of depreciation expense for year 3
The amount of depreciation expense for the year 3 is $5000.
What is depreciation?The term "depreciation" is used in accounting to refer to two different aspects of the same concept: first, the actual decline in an asset's fair value, such as the annual loss in value of factory equipment due to use and wear, and second, the allocation in accounting statements of the asset's initial cost to the periods in which it is used. For accounting and tax purposes, businesses write off long-term assets. The asset's drop in value will affect a company's or entity's balance sheet, and the effect of the asset's depreciation method on net income will affect their income statement from an accounting perspective.
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capital tends to flow from high-growth to low-growth economies. true false b. government budget deficits can lead to greater capital outflows. true false c. the loanable funds model helps us understand net capital flows. true false d. differences in interest rates are the only reason for two-way capital flows. true false e. capital flows can occur because people are looking to spread their exposure to risk. true false f. capital flows can occur as part of a company business strategy. true false g. a country facing net capital inflows will run an equivalent current account surplus. true false h. capital flows tend to cause a divergence of interest rates across countries.
It is FALSE to claim that capital "tends to move from high-growth to low-growth economies."
What is capital?Liquid assets are regularly mentioned by capitalists. In other words, it's cash that you actually have in your possession and may spend on either immediate or long-term goals. In the field of finance, "economic capital" refers to the amount of risk capital that a business requires to cover the risks it is assuming or accumulating as a going concern, such as market risk, credit risk, legal risk, and operational risk.This definition focuses on financial services companies.The phrase "unexpected loss at the confidence level" is occasionally used to describe it.From high-growth to low-growth economies, capital rarely moves.As a result, it is FALSE to say that "money tends to move from high-growth to low-growth economies."
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Correct question:
Capital tends to flow from high-growth to low-growth economies.
true / false
when using a direct approach, which of the following can be done to add emphasis to your recommendations?
when using a direct approach, Misleading u audience into thinking you are actually delivering the good news.
The direct method approach believes in seeking to mimic first language acquisition. Oral conversation is the main goal: The direct approach focuses on speaking far extra than the importance of reading and writing.
an immediate-technique message makes your purpose clear from the start by means of stating the primary point in the first sentence earlier than shifting on to the info. at the start look, readers can inform in case you are inquiring about or presenting information, asking for or granting credit, or making or settling a claim.
Direct coaching is a step-by-step, lesson-through-lesson technique to teaching that is scripted and follows a pre-decided skill acquisition series. Direct method. whilst you operate the direct technique, the main concept (which includes a recommendation, end, or request) comes at the "top" of the record, followed by using the evidence. that is a deductive argument. This technique is used whilst your target market will be neutral or tremendous about your message.
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Globalization has prompted so much online commerce that many career opportunities in transportation are
likely to continue to grow. Which of these hypothetical transportation scenarios might be related to this
issue? (Select all that apply.)
Globalization has prompted so much online commerce that many career opportunities in transportation are
likely to continue to grow. The hypothetical transportation scenario related to this issue are
1) It is now cost effective for road transportation companies to buy entire fleets of electric vehicles.
2) The ability of more companies to put pressure on air carriers based on their higher value of international business has resulted in reduction of air shipping rates.
As online commerce grows it connects each and every country and every cities and towns which will lead to a rise in delivery services outside and within the country.
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How to tell a customer their food order is late?
Even if an unanticipated delay food order is indeed not your company's fault, sending consumers a sincere apology by email or SMS demonstrates that you are aware of the problem and are sympathetic.
Define the term food order?Delivery of food to a customer by a restaurant, shop, or independent food delivery business is known as retail food delivery.
Typically, one places an order through a restaurant, a mobile app, or a food delivery service.
Make no promises you cannot keep:
Consumers do not like to be given empty guarantees about when their orders would arrive. If you offer your customer anything and it doesn't happen, it will have a negative effect on your business in general.Apologize;
Customers like it when companies accept responsibility for a mistake and offer an apology. A honest apology is greatly appreciated.When you apologize, make sure to include a description of the issue's origin and your plan for resolving it.To know more about food order, here
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jane and bill collins have total take-home pay of $9,000 a month. their monthly expenses total $7,200. calculate the minimum amount this couple needs to establish an emergency fund.
One of the first recommendations a financial planner would make while working on your financial plan is to have an emergency fund.
Emergency fund definition?One of the first recommendations a financial planner would make while working on your financial plan is to have an emergency fund. An emergency fund is money that is held in a liquid form so that any unexpected expenses can be covered. The emergency reserve should typically be three to four months' worth of living expenditures.
According to the explanation above, an emergency fund can last between three and four months, therefore Jane and Bill Collins would need $20,100 to start one.
Emergency fund = Living expenses * 3 months
Emergency fund = $7,200. * 3 months
Emergency fund = $20,100
Minimum emergency fund=Monthly expenses × 3 months
= $6,700 × 3
= $20,100
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The level of communication that occurs when people use telephone, reports and memos is referred to as
A. mediated communication
B. intra personal communication
C. inter personal communication
D. person to group communication
Answer:
A. Mediated communication
Explanation:
A. Mediated Communication is the type of communication that is facilitated by some kind of technology, be it social media, telephone, email, etc.
B. Intra-personal communication is the communication that takes place with yourself. It is when you reflect upon your work, life, and morals and get to know more about yourself.
C. Interpersonal communication is one that takes place between two people. It can further be of various types depending on whether it takes place within the company or outside it.
D. Person-to-group communication is when one person communicates to a group of people at one time. Some examples of the same can be seminars, webinars, or presentations.
an example of complementary uses of natural and physical capital in production includes: water being used to irrigate crops wind used to turn wind turbines soil used to grow food all of the above none of the above
In each of the instances provided, physical capital is represented by the devices employed to channel the natural resources of wind, water, and soil. So, the correct answer is alternative D.
According to economic theory, capital goods are "those long-lasting produced goods that are used as productive inputs for subsequent production of goods and services."" Macroeconomically speaking, "the nation's capital stock includes buildings, machinery, software, and inventories during a given year."Anything that provides value or benefit to its owners, such as a factory and its equipment, intellectual property like patents, or the financial assets of a company or an individual, can be referred to as capital. Capital, in the context of business, refers to the funds required for a business to operate and grow. Accounts receivable and cash on hand are typical examples of capital, as are equity, close to cash, and capital assets. Significant, long-term assets called capital assets are those that are not meant to be sold as a regular part of your business.
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