Sarah makes $43,000 per year, is single, and lives in connecticut. She has $19,000 in direct subsidized loans and $8000 in direct unsubsidized loans.

Answers

Answer 1

The repayment plan will be the cheapest for her in total is Standard repayment plan.

A standard repayment plan is an amortization schedule in which he pays a fixed monthly amount for 10 years.

This makes a total of 120 payments. The standard repayment plan has the advantage of accruing less interest and making payments over a shorter period of time than the federal repayment plan.

Because unsubsidized loans pay higher interest than subsidized loans, Sarah has to pay off the unsubsidized loan first. This minimizes interest payments.

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Complete question:

SARAH makes $43,000 per year, is single, and lives in Connecticut. She has $19,000 in subsidized loans and $8000 in unsubsidized loans. Which repayment plan will be the cheapest for her in total?


Related Questions

What type of economic system has a command economy?.

Answers

Answer: Communist political parties

Explanation:  First of all, what is a command economy? A command economy is an economy in which production, investment, prices, and incomes are determined centrally by a government. And if we know that communist countries such as China and North Korea have an economy, we can infer that these countries have command economies because the government has full control over the economy. I hope this helped!

evaluate whether russia’s economic modernization in the nineteenth century was motivated primarily by internal or by external factors.

Answers

The economic modernization of Russia in the 19th century depended on the combination of both factors, both internal (State) and external (Foreign Capital).

Modernisation has been a recurring motif in Russian history at this point since Paul the Great initiated a series of programs aimed at closing the financial, technological and social gap among both Russia and the more 'advanced' countries of Europe. All of the rulers of the Soviet Union and post-Soviet Russia were acutely aware of this gap and pursued a variety of modernization strategies, some more successful than others. However, it would be incorrect to regard modernisation as a deterministic process reserved solely for the state. Modernization has had significant effects on Russian society, and the perceptions of various social groups have been critical to modernisation's success or failure

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It is the function of the _____ to take the strategic plan and develop actionable short-term goals that a business can achieve.
A. tactical plan
B. mission statement
C. vision statement
D. operating plan

Answers

Option d: Operating plan. It is the function of the operating to take the strategic plan and develop actionable short-term goals that a business can achieve.

Operations planning (OP) is the process of planning from strategic goals and objectives to technical goals [must be explained] and objectives.

Describe milestones, conditions for success, and explain what and how parts of the strategic plan will be implemented during a specific period of operation, fiscal year of commercial use, or other specific budget period To do.

The Operating Plan is the basis and basis for the annual operating budget request. Therefore, a five-year strategic plan typically requires five operational plans funded by five operational budgets.

The operational plan should define the activities and budgets for each part of the organization for the next one to three years.

They relate the strategic plan to the activities the organization undertakes and the resources needed to do so.

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we have several items to add to a lake tahoe itinerary, including a trip to gar woods grill and pier. what famous drink do we tell you to ask the waiter for at this popular waterfront restaurant?

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We have various items to add to a lake Tahoe itinerary, such as a trip to gar woods grill and pier. The famous drink we tell you to ask the waiter for at this popular waterfront restaurant is Wet Woody.

The Wet Woody is a frozen, blended drink made with light rum, cranberry juice, pineapple juice, orange juice, sweet and sour, and peach schnapps with a Bacardi Select float. The Wet Wood drink is considered to be a Tahoe icon.

Thus, the Wet Woody is the famous drink item at Tahoe's popular beachfront restaurant, which is a must-ordered drink item.

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What are three big differences between banks and credit unions?.

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Credit unions are not focused on making a profit as much as banks are, so they are able to offer their members lower fees, better interest rates on loans and higher yields on savings.

A bank is a sort of financial organisation that accepts deposits from the general public, makes demand deposits, and loans money. Since banks are crucial to a nation's financial stability and economic health, they are often subject to strict supervision.

Proportional reserve banking, in which banks keep liquid assets that are only partially comparable to their present commitments, has become institutionalised in the majority of nations. In addition to extra constraints to ensure liquidity, banks are frequently subject to minimum capital requirements based on the Basel Agreement, an international capital rule set.

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what worldwide economic crisis took place prior to world war 2?

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The concept is Economic crisis, a variety of situations in which some financial assets suddenly lose value. The answer is the Great Depression.

Ironically, it was World War II, due in part to the Great Depression, that pulled the United States out of a decades-long economic crisis. The Great Depression contributed to dire economic conditions in Weimar Germany, leading in part to the rise of Adolf Hitler and the Nazi Party.

In the United States, the effects of the crash reinforced and reinforced restrictive American immigration policies. An economic crisis represents a situation where a country's economy suddenly loses strength, a decline usually caused by a financial crisis.

An economic crisis can take the form of economic stagflation, recession, or depression. As government spending dried up, the economy plunged into a severe recession and GDP fell by 11%.

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why were no federal taxes withheld from my paycheck

Answers

You likely filled out your w2 incorrectly

What is Accenture's role in multi party systems practice?.

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Accenture Blockchain and Multiparty Systems specializes in supply chain, digital identity and financial services. In each of these domains, we have built incredible foundational capabilities, confirmed proofs of value, and helped business ecosystems implement the first wave of multiparty systems.

About Accenture

Accenture is a leading global professional services company that helps the world's leading businesses, governments, and other organizations build their digital core, streamline operations, accelerate revenue growth, and improve people's services -- creating real value at scale and speed.

They are a talented and innovative company with 738,000 employees serving customers in more than 120 countries. Technology is at the heart of today's transformation, and we are a global leader in driving that transformation with strong ecosystem relationships.

They combine our technological strengths with unmatched industry experience, operational know-how and global delivery capabilities. With our range of services, solutions and resources across Strategy and Consulting, Technology, Operations, Industry X and Accenture Track, we are uniquely positioned to deliver real results.

These qualities, together with a culture of mutual success and a commitment to 360° value creation, allow us to help our clients thrive and build trusting and lasting relationships. They measure our success by the 360° value we create for our customers, each other, shareholders, partners and our community.

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What is the best definition of free enterprise?.

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The free market, often known as free enterprise, is an economic system in which the government is replaced by the market in determining the costs of goods, services, and prices. Government oversight of companies and services is absent.

With no restrictions from the government and the ability to operate as private firms with the potential to generate a profit, the free enterprise system gives people the power to manage their own finances. A free enterprise system is characterised by private property, economic freedom, financial incentives, competitive marketplaces, and a minimal role for the government. In a free-market economy, firms fight for customers and profits with little to no oversight from the government.

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How many overdraft fees can be charged?.

Answers

Federal laws do not specify maximum amounts for fees that banks can charge for overdrafts. These decisions are made by the bank. Banks are required to disclose any fees when the deposit account is established, and they are required to give you advance notice of any increase in a fee.

If d0 = $1. 75, g (which is constant) = 3. 6%, and p0 = $32. 00, what is the stock's expected total return for the coming year?.

Answers

9.45%. is the stock's expected total return for the coming year.

What is Dividend Growth Model?The dividend growth model estimates the present stock price by discounting predicted future dividends from the stock, which is supposed to increase at a constant pace. The dividend growth model is a mathematical method that investors can use to calculate a realistic fair value for a company's stock based on its present payout and predicted dividend growth in the future. The dividend discount model is a technique used in finance and investment to determine the value of a company's stock by calculating how much all of its future dividend payments, discounted to their present value, are worth.

Explanation:

As per the data:

D0 = $1.75

Constant growth rate, g = 3.6%

P0 = $31

Expected return, r =?

Computation:

As per the dividend growth model:

r = (D1 / P0) + g

r = ($1.81 / $31) + 3.6%

r = 9.45%

Working note:

D1 = D0 * (1 + g)

D1 = $1.75 * (1 + 3.6%)

D1 = $1.81

The complete question is,

If DO = $1.75, g (which is constant) = 3.6%, and PO = $31.00, what is the stock's expected total return for the coming year?

a. 9.45%

b. 10.87%

c. 7.75%

d. 9.64%

e. 10.49%

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The stock is projected to have an annual total return of 9.45%.

Describe the dividend growth model.

The dividend growth model, which assumes that future dividends will increase steadily, calculates the current stock price by discounting anticipated dividends from the stock.

The dividend growth model is a mathematical technique that allows investors to determine a reasonable fair value for a company's stock based on its current payout and anticipated dividend growth in the future.

The value of a company's stock is calculated using the dividend discount model, a method used in finance and investment, by calculating the present value of all of the company's future dividend payments.

As per the data:

D0 = $1.75

Constant growth rate, g = 3.6%

P0 = $31

Expected return, r =?

Computation:

As per the dividend growth model:

r = (D1 / P0) + g

r = ($1.81 / $31) + 3.6%

r = 9.45%

Working note:

D1 = D0 * (1 + g)

D1 = $1.75 * (1 + 3.6%)

D1 = $1.81

The complete question is,

If DO = $1.75, g (which is constant) = 3.6%, and PO = $31.00, what is the stock's expected total return for the coming year?

a. 9.45%

b. 10.87%

c. 7.75%

d. 9.64%

e. 10.49%

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Which economic system has the most regulations?

Answers

Command economy has the most regulations.

A command economy is one in which the government controls the production and pricing of products and services. In a command economy, also known as a planned economy, the government selects which commodities and services to create, how they are produced and distributed, and how much they cost.

The central planner is the government. There is no competition in a command economy because the government sets and controls all aspects of business. Monopolies controlled by the government are prevalent. These could include financial services, utilities, or even transportation firms.

Because it is difficult for one organization (i.e., the government) to realize the requirements of everyone in the country, command economies frequently produce too much of one thing and not enough of another. As a result, a command economy frequently results in significant surpluses or shortages of goods and services.

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Efficiency means our economic pie is divided into equal slices. True False

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The statement 'efficiency means our economic pie is divided into equal slices' is false as due to efficiency there is a difference in economies.

In today's economy, efficiency does not always mean that our economic pie is divided into equal slices. Instead, efficiency often leads to an unequal distribution of resources, where one group of people or businesses may benefit more than another.

This means that even though the overall productivity of the system may be higher, the rewards are not equally shared.

This can create a system in which some individuals or businesses have an advantage over others, leading to uneven economic growth. As such, efficiency does not always mean that the economic pie is divided into equal slices.

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How many coins are in a nickel?.

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A nickel is a five-cent coin of the United States, hence only 1 coin which is worth 5 cent in a nickel.

The penny, nickel, dime, and quarter are the four most frequent coins. They are individually worth varying sums of money and have distinct physical characteristics that can be distinguished by touch.

The nickel is the five-cent coin of the United States. Thomas Jefferson, our third president, is depicted on the obverse (heads) of the nickel. Although the current portrait is from 2006, he has been on the cent since 1938.

A penny = 1 cent.

A nickel = 5 cents.

A dime = 10 cents.

A quarter = 25 cents.

A nickel is a five-cent coin, hence, only 1 coin in a nickel.

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shemar performs planning, organizing, leading, and controlling functions for his organization, so he should be considered a manager. true or false

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The sentence "Shemar should be regarded a manager because he performs planning, organizing, leading, and managing functions for his organisation." is True.

Setting objectives, creating strategies, and laying out tasks and timelines are all parts of the planning process. To accomplish the goals, organising entails allocating resources and assigning duties. Working as hard as you can can help you attain your organisational goals.

The act of leading involves inspiring and encouraging people to cooperate in order to accomplish the desired results. Monitoring performance and taking corrective action to ensure that the objectives are being met is the process of controlling. The caliber of your work will determine whether you receive a promotion.

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Why is it important to identify ownership or possession?.

Answers

Explanation:

It can help them keep connected to the past whilst providing a link to the generations to come by providing something unique that distinguishes the family. Ownership also creates a sense of respect, limitation of its use from others, possession of authenticity and in many ways creates power.

The angle of elevation to the top of a building in New York i found to be 9 degree from the ground at a ditance of 1 mile from the bae of the building. Uing thi information, find the height in of the building in feet. (rounded to the tenth)

Answers

The height of the building in Feet is 839.52 ft and in Miles is  0.159 miles, obtained by using the Equation:

                      x = 1*tan(9º) = 0.159 miles.

This problem can be set up as a right triangle where the tall side (height of the building) is an unknown variable (x) and the base of the triangle is 1 mile. The angle opposite of the tall side, x, is 9 degrees.

Now you can use the tangent trig function whereby tan(angle) = opposite length /adjacent length. opposite length is x, The adjacent length is 1 mile, angle is 9 degrees.

tan(9º) = x / 1

Rearrange for x;

x = 1*tan(9º) = 0.159 miles.

(make sure to use degree mode on your calculator when calculating the tangent)

Now to get feet, just multiply by 5,280 ft in one mile.

The height of the building is 0.159 miles * 5280 ft/mile

The height of the building is = 839.52 ft

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What is a characteristic of certificates of deposit CDs )?.

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A CD, or certificate of deposit, has a set interest rate that is often higher than the interest on on a standard savings account.

It also has a predetermined withdrawal date, or maturity date, and a predetermined term end date. You lock money in a CD for an amount of time that normally varies from three months to five years.

In the US, banks, thrifts, and credit unions typically offer certificates of deposit (CDs), a sort of time deposit. Certificates of deposit (CDs) and savings accounts differ from one another since a CD frequently has a fixed interest rate and a predetermined length of time (commonly one, three, or six months).

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a person or business that offers loans at extremely high interest rates called is

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A person or business that offers loans at extremely high interest rates called is loan shark.

A loan shark is a person or institution that lends money at exorbitant interest rates and frequently threatens with violence to recover debts. The interest rates are often far higher than the set legal rate, and loan sharks are frequently members of organized crime groups.

A loan shark is someone in one's personal or business network who offers high-interest loans. They can be found in underbanked areas, through the internet, or via personal networks. Their funds are typically undisclosed, and they operate for unregistered corporations or personal businesses.

Background checks and credit records are not required by loan sharks. They will lend big sums of money in the hopes of earning a high rate of return.

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Competition in the 21st century is no longer between companies; it is between: A) Talented employees B) Ethical employees C) Quality Control D) Supply Chain E) Managers

Answers

Competition in the 21st century is no longer between companies; it is between D) Supply Chain.

In the 21st century, competition is no longer about who has the best products or services, but about who has the most effective supply chain.

Companies that have a well-organized supply chain are able to get their products to the customer faster and more efficiently than their competitors. Having a strong supply chain can give businesses a competitive edge in the market and help them build long-term success.

Companies need to focus their efforts on developing and optimizing their supply chain strategies in order to remain competitive in today's market.

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A strategy for reducing resource consumption through decreased demand and increased efficiency.

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A strategy for reducing resource consumption through decreased demand and increased efficiency Conservation. So answer is Conservation.

How does conservation work?

The sources from which we can gain advantages are the resources.

Although some resources are scarce, we must nevertheless use them wisely because they are only available in certain quantities. Conservation refers to this method of wise resource usage. Utilizing the resources in a way that will allow for both efficient usage in the present and the future is the goal of conservation strategy. The conservation plan therefore emphasizes prudent resource management.

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which of these is known as the greatest danger associated with excavations?
A.)Asphyxiation
B.)Cave-ins
C.)Fire
D.)Underground utility lines

Answers

B.) Cave-in is known as the greatest danger associated with excavations.

Excavation Safety is a standardized set of safety measures for trenching and excavation designed to get rid of dangers and manage risks while still adhering to laws. Trenching and Excavation Safety is another name for it, according to the U.S. Occupational Safety and Health Administration (OSHA).

Among the riskiest tasks in the construction sector are trenching and excavation. Risks can include cave-ins, falling objects, dangerous environments, and risks associated with employing large machinery. Hazards and serious injury risk can be decreased through routine pre-work inspections. Inspections for safety should look at the kind of excavation being done, the support and warning systems in place, the access points, the weather, the heavy machinery, and PPE.

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During civil lawsuit proceedings regarding alcohol service, courts will try to determine if the
designated driver was present and remained sober. guest's BAC was checked throughout the evening. server recently attended proper alcohol training, server contributed to the injury.

Answers

Courts will attempt to ascertain if the designated driver was there and stayed sober throughout civil lawsuit proceedings over alcohol service.

A lawsuit is a legal action brought by one or more plaintiffs or claimants against one or more defendants. Only a limited number of laws from long ago that are still in force include the phrase "suit in law." The term "lawsuit" refers to a civil action that is launched by a plaintiff—a party who alleges that they have suffered loss as a result of the defendant's actions—and in which the plaintiff asks the court for either a legal remedy or an equitable remedy.

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what does a business typically receive when it issues stock to owners?

Answers

Stock certificates is a document that received by a business when it issues stock to owners. Stock certificates containing several information, such as the number of shares owned, the date of purchase, a corporate seal, and other.

In business and corporate law, a stock certificate generally can be defined as a legal document that certifies the legal interest of ownership of a specific number of shares or stock in a corporation. A stock certificates also can be defined as a documents that proves the holder has ownership in the company, as it displays the number of shares owned, the date of purchase, a corporate seal, and other

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the globalization of _____ is the term used to describe the merging of national markets into one large global place.

Answers

Answer: The globalization of markets is the term used to describe the merging of national markets into one large global place.

Explanation:

Economic "globalization" is a process of evolution that is the outcome of human ingenuity and technical advancement. It refers to the increasing globalization, particularly the flow of products, services, and capital across borders. The phrase is also used to describe the flow of individuals (labor) and information (technology) across international borders. Globalization has larger cultural, political, and environmental implications.

The term "globalization" became more popular in the 1980s, reflecting technological improvements that made international transactions—both commercial and financial flows—easier and faster to perform. It refers to an expansion of the same market pressures that have existed for centuries at all levels of human economic activity—village markets, metropolitan sectors, or financial centers—beyond national lines.

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Select the four principles that underlie the strategic marketing process.

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The four principles that underlie the strategic marketing process are market orientation, market segmentation, product differentiation and market positioning.

1. Market Orientation: Companies need to have a customer-centric approach to marketing and be willing to adjust their marketing strategies to meet customer needs. This means that companies should focus on understanding their target audience, developing an effective positioning strategy, and building relationships with customers.

2. Market Segmentation: Companies should divide their markets into distinct groups of customers who have similar needs and preferences. By understanding different customer segments, companies can tailor their offerings to meet their needs.

3. Product Differentiation: Companies should differentiate their products and services from those of their competitors in order to stand out in the marketplace. This can be achieved through innovation, pricing strategies, and marketing tactics such as advertising and promotions.

4. Market Positioning: Companies should position their products and services in the minds of their target customers in order to gain a competitive advantage. This requires a clear understanding of the competition and the ability to communicate a unique message that resonates with customers.

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the effect of a fuel tax on the quantity of gasoline sold

Answers

A fuel tax increases the price of gasoline, which leads to a decrease in the quantity of gasoline sold.

B. When the price of gasoline increases as a result of a fuel tax, consumers will naturally purchase less of it. This is because as the price of a good increase, the quantity demanded of that good decreases, according to the law of demand.

Additionally, a higher fuel tax may encourage consumers to use more fuel-efficient vehicles or to carpool, which would also decrease the quantity of gasoline sold.

Furthermore, some consumers may switch to alternative forms of transportation such as public transportation, walking or biking which would also decrease the quantity of gasoline sold.

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What are the two main reasons researchers use factorial designs?

Answers

The use of factorial designs enables researchers to examine the impact of several independent variables on a dependent variable as well as any potential interactions between various independent variables.

What are the responsibilities of a researcher?

As part of their job, researchers must analyze data, gather and compare resources, verify facts, communicate findings to the entire research team, follow established techniques, conduct necessary fieldwork, and maintain the confidentiality of sensitive information.

a person who researches a topic, especially to learn new facts or come to new conclusions: a political or television researcher.

To become a research scientist, you typically require a first- or 2:1 (upper second-class) degree in a science-related field. Most research scientists continue their education to earn a postgraduate degree, like a PhD. You may research an integrated

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The types of accounts which affect retained earnings are:
(Select all that apply)
Liabilities
Dividends
Assets
Revenues
Expenses

Answers

The amount of profit a business keeps after paying all of its direct and indirect expenses, income taxes, and dividends is known as retained profits.

Does accounts receivable have an impact on retained profits?

Any accounting method can be used to produce a retained earnings statement. The main distinction is that since neither is utilized in cash accounting, balances for accounts receivable and payable would not be included in the formula.

What three things make up retained earnings?

The beginning period retained earnings, net profit or net loss realized during the accounting period, and cash and stock dividends paid during the accounting period are the three elements that make up retained earnings.

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Need help asap asap

Answers

The balance sheet on June 30 would be:

Cash = $80,000

Accounts receivable = $20,000

Prepaid account = $12,000

Total Current Asset = $112,000

Plant, Property and Equipment = $800,000

Intangible asset = $66,000

Other Non-Current Asset = $100,000

Total Non Current Asset = $966,000

Total Assets = $1,078,000

Loan to K. Phillips = $100,000

Accounts Payable = $65,000

Other Current Liabilities = $85,000

Total Current Liabilities = $250,000

Notes payable = $120,000

Total Long-term Liabilities = $120,000

Total Liabilities = $370,000

Common stock = $45,000

Retained earnings = $663,000

Total Equity = $708,000

Total Liabilities and Equity = $1,078,000

Based on the data given, the trial balance prepared was constructed under personal account. We have to make some adjustment in the accounts to prepare the balance sheet in the order of permanence.

Capital account reflects the different between assets and liabilities of a company. Then, we need to find the total asset on June 30.

Total Asset = Capital + net profit/loss - Drawings + Liabilities

Total Asset = $721,000 + (- $9,000) - $4,000 + ($250,000 + $120,000)

Total Asset = $1,078,000

Total Asset consists of both current and non current asset. Using the data given, we can find that:

Total Asset = Cash + Prepaid Accounts + PPE + Intangile asset + Accounts Receivable + Other Non current Asset

$1,078,000 = $80,000 + $12,000 + $800,000 + $66,000 + $20,000 + Other non-curret asset

Other non-current asset = $100,000

Next, we assume that all amount under creditors account represent the short-term liabilities and bank account refers to long-term liability. Hence we can find the amount under accounts payable is:

Creditors = Loan K. Phillips + Short-term liabilities + Account Payable

$250,000 = $100,000 + $85,000 + Accounts payable

Accounts payable = $65,000

The amount under banks account will be recorded under Notes Payable on the balance sheet.

We will use the ending amount of stock as the common stock price. Hence, we need to calculate the Retained Earnings account to balance the account.

Total asset = Total liabilities & Equity

Total asset = Total liabilities + Total equity

Total asset = Total liabilities + Common stock + Retained earnings

$1,078,000 = $370,000 + $45,000 + Retained earnings

Retained earnings = $663,000

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How much farther? you have 30 coins worth 2.05 dollars in dimes and nickels. whats in your wallet. when water becomes ice, what cause hydrogen bonds to form but there is air in between Chris is at the deli and is trying to figure out how much total cheese he has bought. He knows that he bought pound of American cheese and two packs of 2/3 pound Mozzarella cheese. How much total cheese did he buy? what number is equivalent to 49 9 How does a market economy deal with private property?. does captain Lewis seem to express this viewpoint letting the sun in 1 5 10 15 20 25 30 35 40 45 the most basic way for citizens to hold leaders responsible is by voting in elections and by serving on juries in open courtroom proceedings. but these are not the only ways. in the united states and in other democracies, citizens can influence government on a daily basis, not just on election day. numerous other opportunities can, and should, exist to ensure that both elected and non-elected public officials remain accountable to the people. in the united states, when executive branch officials get together to conduct government business, they are often required to announce their meetings in advance and to hold them in forums that are open to the public. the law underlying this practice, a federal statute dubbed the Two homeowners who own adjacent lots decided to construct a driveway that straddles their common property line. They entered into a written agreement whereby each granted to the other a right of access over his property in accord with the dimensions and location of the driveway and each promised that he, his heirs, devisees, assignees and successors would equally share the repair and maintenance of the driveway, including the cost of snow removal, with the neighboring property owner. This agreement was promptly and properly recorded. After the driveway was built, the owner of one of the improved lots sold it in fee simple absolute to a buyer who currently lives on the premises. A year ago, the owner of the other lot died. His property passed by intestacy to his son. Through an oral agreement, the son, who has a residence elsewhere, has rented out the inherited residence to a tenant for a one-year term. The son told the tenant of the shared maintenance agreement with the neighbor, but otherwise did not discuss the maintenance of the driveway with the tenant. This past winter, due to a number of heavy snowfalls, the removal of the snow in order to be able to use the driveway was costly. When the tenant contacted the current owner of the neighboring property, the owner, noting that he rarely used the driveway due to his advanced age and poor health, refused to reimburse the tenant for the snow removal costs borne by the tenant.If the tenant seeks to recover half of the costs for snow removal from the current neighbor, who will prevail?A. The tenant, because the tenant acted in reliance to his detriment on the son's revelation of the agreement.B. The tenant, because the agreement contains a covenant that runs with land.C. The neighbor, because only the son can enforce the agreement.D. The neighbor, because there was no horizontal privity between the neighbors who entered into the agreement. Robert was running low on cash and could not buy his Marketing textbook by the first day of class if the bookstore did not accept his credit card. Luckily, the bookstore accepted his VISA card, so the bookstore created _____ utility for Robert.