A customer comes into its local bank branch and tries to withdraw a large amount. the bank tells him that it has ""insufficient resources"" to comply with his request at the time. this is an example of Federal Law.
FDIC Law, Regulations, Related Acts is a collection of laws, rules, declarations of policy, and other legal documents pertaining to banking. It contains the FDIC Act, FDIC rules.
FDIC statements of policy, and other relevant laws and rules pertaining to banking. Not all legislation and rules pertaining to insured depository institutions are intended to be presented in this document.
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Accenture is involved in the transformation of an organization into a data-driven and intelligent enterprise. which ability does accenture need to ensure the organization has to become a successful business?
To gather, re-organize, and store different categories of all raw data for easy and faster retrieval to capture, curate, and consume the right data sets
What is data?In the pursuit of knowledge, data is a collection of discrete pieces of information in a conceptual model that convey quantity, quality, fact, statistics, or other basic units of meaning in their most basic forms. A datum is a single item in a collection of data.
There are two forms of data: qualitative and quantitative data, which are further divided into four categories: nominal, ordinal, discrete, and continuous data.
A data dashboard is a tool used by businesses to track, analyze, and display data, typically to acquire a better understanding of the general health of the organization, a department, or even a specific procedure.
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One of the most popular short-term investments for the largest business organizations is?
One of the most popular short-term investments for the largest business organizations is commercial paper.
What do you mean by commercial paper?
Commercial Paper (CP) is a type of promissory note that is an unsecured money market instrument. In order to give highly rated corporate borrowers more options for short-term borrowing and to give investors another tool, CP was created in India in 1990.
A popular form of unsecured, short-term debt issued by firms, commercial paper is generally used to finance payroll, accounts payable, inventories, as well as to satisfy other short-term obligations.
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QS 24-1 Payback period LO P1 Park Co. is considering an investment that requires immediate payment of $29,500 and provides expected cash inflows of $12,000 annually for four years. What is the investment's payback period?
-957.48 is the investment's payback period.
Part 1:
Select Numerator: / Select Denominator: = Payback Period
Initial Investment / Annual Cash Flow = Payback Period
29500 /14400 = 2.05
Part 2
Present Value Coefficient 3.31231
Internal Rate of Return 8% /
530 = 6500 = 3.31231
Part 3:
Cash Flow Selection Chart Amount x PV Coefficient = Present Value
1 Annual Cash Flow Premium Value of Annuity 16800 2.48685 = 41,779.11 44 Residual values of 1 44 Value 01 1020 0.751313 = 7.643.4 444) Value of 1 10200 0.7513131 = 7.663. Cash Inflow 49,442.52
Immediate Cash Outflow -50400
Net Present Value -957.48
The payback period is defined as the number of years required to recover the original cash investment. In other words, the period during which a machine, plant, or other investment has generated sufficient net income to cover its investment costs.
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What is the likely reason for the persistence of so many myths about the use of public welfare programs like tanf and snap?
The welfare programs seem to provide benefits to individuals who have not earned them, whereas others who are working struggle financially and do not receive benefits.
Social welfare programs inside the u.s. are packages designed to make certain that the simple wishes of the yank population are met. Federal and nation social applications encompass cash help, health insurance, food help, housing subsidies, strength and utility subsidies, and schooling and childcare assistance.
There are seven foremost welfare programs in US, they consist of Medicaid, Supplemental Security earnings (SSI), Supplemental vitamins help software (SNAP), toddler's health insurance program (CHIP), transient help to Needy households (TANF), housing assistance, and the Earned Income Tax credit (EITC).
Some of the major federal, country, and nearby social welfare applications are: Supplemental protection profits (SSI) Supplemental nutrients help application (SNAP) unique Supplemental nutrition program for women, infants, and kids (WIC).
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A clothing company is considering whether a new technology will speed up their ability to fulfill customer orders. Which economic question are they focusing on?
What to produce?
How to produce?
Why to produce?
For whom to produce?
The economic question that this clothing company is focusing on is B. How to produce?
What are the economic production questions?The five economic questions concerning the production of goods and services for sale in an economic system include:
What to produce?How to produce?Why produce?For whom to produce?How will the system promote the progress of society or accommodate change?These economic questions need to be posed because of the scarcity of economic resources and the need to satisfy the needs of customers with goods and services that add value to society.
Thus, the economic question that this clothing company is focusing on is B. How to produce?
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Answer: How to produce?
Explanation:
Steel workers who process metal ore and autoworkers, who then convert the ore into automobiles, trucks, and buses, are engaged in _____ sector production
Steelworkers who process metal ore and autoworkers, who then convert the ore into automobiles, trucks, and buses, are engaged in secondary sector production.
What is production?
The term production refers to process of things can be created. The production complete with help of labor, employees, and machinery. The production process as raw material converted into finished goods.
The primary products converted and modified is called secondary sector production. The manufacturing process as to improve material, surface integrity and modulate product. For example of secondary sector production are trucks, buses, and other automobiles etc.
Hence, the significance of the production is aforementioned.
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Principles of integration are critical to success and require a ______________view. getting the correct balance of _______ and _______ media elements is important
Principles of integration are critical to success and require a long-term view. Getting the correct balance of traditional and new media elements is important.
The principle of integration in growth and development means that a child starts to integrate or combine different parts along with the passage of growth. Thus, the integration here denotes the combination of several smaller units into bigger considerable units, as it requires a long-term view
For instance, which a child first starts speaking the different sounds at with the lingual development, the child learns to integrate these sounds into words, and words to sentences.
Hence, getting the correct balance of traditional and new media elements is important.
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The CPI differs from the GDP deflator in that a. substitution bias is not a problem with the CPI, but it is a problem with the GDP deflator. b. increases in the prices of foreign produced goods that are sold to U.S. consumers show up in the CPI but not in the GDP deflator. c. the CPI is a price index, while the GDP deflator is an inflation index. d. increases in the prices of domestically produced goods that are sold to the U.S. government show up in the CPI but not in the GDP deflator.
The CPI differs from the GDP deflator in that increases in the prices of foreign produced goods that are sold to U.S. consumers show up in the CPI but not in the GDP deflator. (Option B)
What is the CPI and GDP deflator?The consumer price index measures the changes in price of a basket of good purchased by consumers. It is used to measure inflation. The Federal Reserve uses the consumer price index to gauge its monetary policy.
CPI = (cost of basket of goods in current period / cost of basket of goods in base period) x 100
The GDP deflator is an economic measure of the price levels of all domestically produced goods in the current year. GDP deflator is the ratio of the nominal GDP and the real GDP. Real GDP has been adjusted for inflation by calculating its value using a base price. Nominal GDP is calculated using current year prices.
The GDP deflator measures inflation. The GDP deflator only includes goods and services produced in an economy.
GDP deflator = (nominal GDP / real GDP) x 100
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When a leader creates structure, she has explicitly identified goals for the team.
a. true
b. false
A leader creates structure, she has explicitly identified goals for the team true.
Clever dreams are precise, measurable, viable, sensible, and well timed. This type of goal setting is specifically useful while running with Gen Y employees who've grown up surrounded by using this technique in colleges and universities. team desires are the targets or milestones that a team commits to operating closer together. team dreams often degree factors in a system or increase talents throughout a business enterprise. crew dreams can also assist personnel feels more invested in the business enterprise's goals considering they make a contribution to developing them.
Someone or factor that leads; a guiding or directing head. a person who guidelines, guides, or conjures up others. One whom others comply with. permit's dived a little deeper into the means of that closing phrase, chief. The word “leader” is often pressured with other words, like supervisor or boss, or elected professional.
One definition of leadership is to “inspire, affect and guide others to participate in a common effort.” top leaders don't just bark orders or hand out directives with no clarification. as an alternative, they use powerful communication and motivation techniques to facilitate movement by way of their teams.
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Variable costs fixed costs what is the staticbudget variance of operating income?
Static Budget Variance of operating income is the difference between the actual results and the static budget
These variances are used to assess whether the differences were favorable or unfavorable. If an organization’s actual costs were below the static budget and revenue are exceeded than expectations, the resulting lift in profit would be a favorable result.
Conversely, if revenue didn't at least meet the targets set in the static budget, or if actual costs exceeded the pre-established limits, the results will always lead to lower profits.
A static budget is a type of budget that incorporates different anticipated values about inputs and outputs that are conceived before the period in which question begins.
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There is __________ market "concentration" in airlines, automobiles, beer production, and cigarette manufacturing.
There is a High market "concentration" in airlines, automobiles, beer production, and cigarette manufacturing.
Automobiles, also known as motorcars or cars, are four-wheeled vehicles primarily intended for the transportation of people, usually powered by internal combustion engines that use volatile fuels.
'Automobile', a classical compound of the ancient Greek autós (αὐτός) 'self' and the Latin mobilis 'mobile', came from French into English and was first adopted by the British Automobile Club in 1897. it was done.
Cars can be classified as the number of wheels they have. For example Two-wheeled vehicles (motorcycles, scoots). Tricycles (cars, totos, etc.). Four-wheeled vehicles (passenger cars, buses, trucks, tractors, etc.).
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Responses such as winning, displaying anger, and retaliating are considered _____ responses to conflict.
Responses such as winning, displaying anger, and retaliating are considered destructive and active responses to conflict.
What is conflict?Conflict can be regarded as the disagreement between two or more parties, which can lead to serious issues such as abuse as well violence.
It should be noted that Responses such as winning, displaying anger, and retaliating are considered destructive and active responses to conflict.
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Costs incurred as a result of past irrevocable decisions and irrelevant to future decisions are called:______.
Costs incurred as a result of past irrevocable decisions and irrelevant to future decisions are called opportunity costs.
Sunk costs are funds already spent in the past, and opportunity costs are potential returns not realized on future investments because the capital was invested elsewhere.
Sunk costs are costs that have already been incurred and have no possibility of future recovery. For example, rent, spending on marketing campaigns, or money spent on new equipment can all be considered sunk costs. Sunk costs are also known as past costs.
Sunk costs, also known as retroactive costs, refer to investments already made that cannot be recovered. Examples of irrevocable decisions in corporate sunk costs include marketing, research, installation of new software or equipment, salaries, benefits, or operating expenses.
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What are the five common problems associated with the marketing research report?
The five common problems associated with the marketing research report are: Poor Survey Design, Tip, Survey Nonresponse, Issues with Observation Research, Survey Error, Mistaking Correlation for Causation.
Poor survey design: When there are a lot of errors in the survey design, marketing research problems can face different problems which will lead to the poor data.
Survey nonresponse: Sometimes a survey is designed by marketers that many customers choose not to respond to.
The Problem of Survey Bias: A survey may include one or more sources of biasness.
Issues with Observation Research: Some marketing research involves observing consumers in action and noting their preferences
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The discount rate is the interest rate that a. banks charge one another for loans. b. banks charge the fed for loans. c. the fed charges banks for loans. d. the fed charges congress for loans.
The discount rate is the interest rate that c. the fed charges banks for loans.
The term “discount rate” is used when looking at an amount of money to be acquired within the future and calculating its present cost. The word “bargain” way “to deduct an amount.” a discount rate is deducted from a future price of cash to provide its present price.
In corporate finance, a discount rate is a fee going back used to bargain destiny coins flow back to their gift value. This rate is often a company's Weighted common price of Capital (WACC), required rate of return, or the hurdle fee that investors anticipate to earn relative to the hazard of the funding.
An investor expects a $1,000 investment to provide a ten% go back in 12 months. in that case, the cut price for valuing this funding or comparing it to others is 10%. The discount rate allows buyers and others to recall hazards in funding and set a benchmark for future investments.
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The discount rate is the interest rate that the fed charges banks for loans. Therefore, option 'C' is the answer.
The interest rate the Federal Reserve (Fed) charges banks to borrow money from a Federal Reserve bank is known as the federal discount rate.
The Fed's board of governors determines the discount rate, which can be changed as a tool for monetary policy by going up or down.
One of the Fed's main tools for implementing monetary policy is lending at the discount rate, which is a part of its role as a lender of last resort.
As a last resort, borrowing from the central bank is used as an alternative to borrowing from other commercial banks.
The Fed funds rate, or interbank rate, is typically lower than the discount rate.
Hence, OPTION 'C' is the correct answer.
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Moving between two points on a ppf, a country gains 8 desktop computers and forgoes 4 laptop computers. the opportunity cost of 1 desktop computer is_________.
The opportunity cost of 1 desktop computer is 1/2 of a laptop. The opportunity cost is the amount of time and money spent learning value that could have been used elsewhere.
A farmer decides to plant wheat; the opportunity cost is the value of planting a different crop or using the resources in another way (land and farm equipment). Instead of driving to work, a commuter takes the train.
When considering multiple investments or business avenues, opportunity cost is the potential gain lost by choosing a different course of action. The value of what you lose when you choose between two or more alternatives is known as opportunity cost.
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The balance sheet of ranger inc. shows its liabilities and owners' equity as $150,000 and $75,000, respectively. in this case, ranger's _____
Ranger inc.'s total assets are $225,000.
Total Assets= liabilities + owners' equity
= $150,000 + $75,000
= $225,000
Total assets include everything of a person's possessions that can be sold for cash in the future, as well as any financial liabilities.
Assets are often divided by into current and non- current groups. By adding your obligations and equity, you may calculate your total assets. The simplest way to get total assets using this technique is to deduct value of liabilities from the value of equity or assets since liabilities have a negative value. The amount of these figures represents your assets.
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State what is meant by the term sales turnover
Answer:
Sales turnover is the company's total amount of products or services sold over a given period of time.
Who is most likely to have general information about financial aid at many different institutes of higher education?
Answer:
high school counselor.
Answer:
High school counselor
Accounts that keep a balance of each individual customer or supplier are called?
Accounts that keep a balance of each individual customer or supplier are called subsidiary accounts.
An accounts receivable subsidiary ledger is an accounting ledger that suggests the transaction and price history of every customer to whom the commercial enterprise extends credit score. The stability in every client account is periodically reconciled with the bills receivable balance inside the well-known ledger to make certain accuracy.
An income journal is a subsidiary ledger used to save distinct income transactions. Its most important reason is to put off a source of high-extent transactions from the general ledger, thereby streamlining the general ledger.
The income journal (also referred to as income book and sales day e book) is a special journal that is used to record all credit score income.
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The _____ of a bond fluctuates continuously during its life.
a. market value
b. face value
c. maturity value
d. principal value
The market value of a bond fluctuates continuously during its life.
The market value of a bond has two parts:
The value of the amount of the bond itself or its face value, and the value of the interest the investor would receive if investor held on to the bond until it matures. The total of these two amounts is a bond’s market value.
It means that bond's value is obtained by adding the interest to be received by the investor and the face value of the bond.
To determine a bond’s market value, investor will need its face value, the number of interest payments due to him before its maturity date and the percentage of interest it pays throughout the time period.
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A seller wants to net $275,000 from the sale of his home. He has an existing mortgage with a loan balance of $78,500 and the closing costs are expected to be $6,500. If the listing broker is receiving a 6% commission, how much must the home sell for in order to meet his objective
Ther amout at which the home sell for in order to meet his objective is abter loan balance is $274,541.67
After the seller receives paid and makes all their bills, the quantity left is referred to as the internet to supplier. Calculating the internet to seller is quite simple, all that you want to do is to subtract the seller's charges and money owed from the sales price.
calculation:-
The selling price which the seller wants = $275,000
Loan balance = $ 78,500
Closing cost = $6,500
Broker commision = 6%
amount ($275000*6)/100 = $458.33
Hence, Ther amout at which the home sell for in order to meet his objective is = $275,000 - 458.33
+ $274,541.67
Divide the fee by means of the variety of days inside the value period to find the fee consistent with day.be counted the variety of days that the price applies to every birthday party.Multiply the quantity of days that every birthday party is responsible for by means of the value in keeping with day to calculate the loan balance interest proration.
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Why would a profit-maximizing firm pay its workers more than what workers are paid at other firms in the same market?
A profit-maximizing firm pays its workers more than what workers are paid at other firms in the same market, this efficient wage decrease shirking, increase retention, higher quality recruits, and healthier employees
"Profit-maximizing firms pay their workers more than what workers are paid at other firms in the same market" What was the purpose behind this?
This efficiency wage is designed to reduce employee turnover, boost productivity and morale among employees, and enhance the pool of qualified job applicants. These goals may be attained by paying a salary rate above the going rate because doing so raises the opportunity cost of leaving or being dismissed. Paying an efficiency wage may actually result in lower labor expenditures for the company because acquiring and terminating staff can be expensive.
What does the efficiency wage theory suggest?
The efficiency wage hypothesis, often known as the notion of efficiency wages, contends that salary and worker productivity are positively correlated. In other words, a worker who is paid more will put in more effort and generate more output than one who is paid the wage determined by supply and demand.
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A market structure in which there is one large firm that has a major share of the market and many smaller firms supplying the remainder of the market is called:_________
A market structure in which there is one large firm that has a major share of the market and many smaller firms supplying the remainder of the market is called Dominant firm model.
In the dominant company model, there is one large company operating in the market along with many smaller companies. Big companies have all the power in the market. She determines prices and quantities in line with the goal of maximizing profit. Therefore, the price is set in the market and the rest of the quantity is supplied by other companies.
a) Stackelberg Model - The Stackelberg model is commonly used for the duopoly. I made it clear here that there are many small companies.
b) Twisted Demand Curve Model – This model is found in oligopolistic regions where firms do not seek price competition as it will eventually eat into the profits of the industry as a whole.
d) Cournot Model - In this model, companies select quantities at the same time.
e) Bertrand model - when competition is based on pricing rather than quantity supplied.
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1. Please reflect on how the money multiplier concept can be an important tool of both expansionary as well as contractionary monetary policy for any central bank such as the U.S. Federal Reserve Bank?
2. The Federal Reserve Bank lowered the required reserve ratio to 0% across the board in 2020. Explain the potential reasoning behind this lowering to 0% and its intended effect on the economy.
The money multiplier concept uses three key actions that is done by the Fed so as they can widen the economy and these includes the use of a decreased discount rate, the buying government securities, and also by lowering reserve ratio.
What is expansionary and contractionary monetary policy?A monetary policy that is known to be that which helps to lowers interest rates and influence borrowing is called an expansionary monetary policy or one can say a loose monetary policy.
Also, a monetary policy that tends to bring up interest rates and lowers borrowing in any economy is known to be a contractionary monetary policy and also called tight monetary policy.
Thee potential reasoning behind this lowering to 0% and its intended effect on the economy?Note that Expansionary monetary policy aims to increases the money supply while Contractionary monetary policy aims lower the money supply.
Therefore, the use of lower rates of economic growth is one that tens to give more likelihood or chance for the shift to renewable energy. It also leads to more saving, and investing.
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According to the 50-30-20 Rule, you should plan on spending 30 percent of
your income on.
O A. wants
O B. goals
O
OD. entertainment
C. needs
According to the 50-30-20 Rule, you should plan on spending 30 percent of your income option A. wants
The 50/30/20 rule of thumb is a tenet for allocating your finances as a consequence: 50% to “needs,” 30% to “wishes,” and 20% to your economic dreams. the rule became popularized in an ebook by way of Elizabeth Warren and her daughter, Amelia Warren Tyagi. Your chances can also want to be adjusted primarily based on your private situations.
For individuals who don't know, the 50-30-20 budget plan is an American concept that seeks to shop cash and finance your cash neatly. After taxes, your income has to be divided into: 50% on crucial desires; 30% on needs; and 20% on paying off your debt or putting aside price range in case of an emergency.
The 50/30/20 rule is a clean budgeting approach that can help you to manipulate your money correctly, virtually, and sustainably. The simple rule of thumb is to divide your month-to-month after-tax profits into three spending categories: 50% for desires, 30% for desires, and 20% for financial savings or paying off debt.
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Answer: 20% of your income will be spent on GOALS
Explanation: i took the test.
Using the classical perspective and the ad/as model, what will happen to the aggregate price level, real gdp, and unemployment rate in the long run?
Along the AD curve, real GDP increases as the price level decreases. Changes in the expense level will cause a movement along the AD curve.
Ad/As modelWhen the output is smaller than the aggregate order, it means consuming families are saving less. This will result in an unplanned decrease in inventories of unsold stock. Firms will expand production by employing more workers until AS and AD once again becomes equal, i.e., until the balance is restored (AD = AS). Negative shocks reduce output and increase unemployment. Positive shocks improve production and reduce unemployment.
An increase in AD will raise the price level. On the other hand, an expansion in AS will decrease the price level. If the AD increases more than the AS, then, the price level will rise. Contrariwise, if the AS change is more than the AD change, the price level will decline.
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How does market competition ensure that consumers will be offered a selection of low-priced foods?
Market competition leads to productive efficiency which ensures that goods are produced at the lowest possible costs.
Market competition leads to productive efficiency which ensures that firms produce at the lowest possible cost per unit. Suppose when a new product comes in the market, it is often expensive. However with the passage of time, many producers develop the skills to produce the same product.
So, with the increase in competition, market achieves production efficiency and price of that product decreases, thereby making it affordable for many people to purchase.
Hence, in market competition prices reflect consumers preferences and firms are motivated by profit.
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Every resident agent must have and maintain at their place of business the usual and customary records pertaining to transactions under their license for at least how long?
Every resident agent must have and maintain at their place of business the usual and customary records pertaining to transactions under their license for at least 5 years.
This is further explained below.
What is a license?Generally, The following is a direct quote from the Indian Easements Act of 1882: "License, defined. — Where one person gives to another, or to a fixed number... while, under the Indian Easement Act, Section 52 provides the definition of a license. In accordance with the aforementioned provision, in the event that a document alone. India's highest court, the Supreme Court.
In conclusion, Every resident agent is required to have the usual and customary records related to transactions conducted under their license, and these documents must be kept at the resident agent's place of business for at least five years.
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Ted's pancake kitchen suffers a short-run loss. when should ted decide to shut down rather than continue to produce?
Ted should decide to shut down the produce rather than to continue to produce when the price that is incurred to produce is more in comparison to the price at which the product is sold.
If ted continue to produce more and more units he will incur additional average and variable costs and would not be able to generate enough of revenue to cover the production costs.
The firm will still incur other costs such as fixed costs even if needs to shut down or have loss in produce. It is just no benefit of continuing the things the person was doing to run the process and shut it down temporarily for recovery of its variable costs.
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