The banking crisis of 2008 is quite interesting to analyze. The factors that led to this near banking collapse are intriguing to say the least. In this exercise you will be evaluating the factors that led up to the crisis and determining which ones could have created this scenario.
There is no simple answer to what led to the banking crisis, as there were many factors that contributed over a long period of time. Understanding the factors that led to the crisis is very important, as such an understanding will help regulators prevent similar situations in the future.
Please analyze the factors that are given to determine which ones could have potentially worked together to have created the banking crisis of 2008, and then place each factor in the category of either “Major Contributor” or “Little or No Contribution.”
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Banking crisis of 2008 was due to thr global financial crisis that occure during the period
The global financial crisis was a severe worldwide economic crisis.The financial crisis was rated the most serious financial crisis since after the Great Depression that happened in the 1920s to 1930..1. Repeal of some provisions of the Glass-Steagall Act of 1933 is a Major contributor to the Banking crisis of 2008.
2. Savvy individual investors is not a Major contributor to the Banking crisis of 2008.
3. The Community Reinvestment Act (CRA) is a Major contributor to the Banking crisis of 2008.
4. Borrowers’ lack of financial knowledge is a Major contributor to the Banking crisis of 2008.
5. The Troubled Asset Relief Program (TARP) is a not a Major contributor to the Banking crisis of 2008.
6. Mortgage-backed securities (MBSs) is a Major contributor to the Banking crisis of 2008.
7. Electronic Fund Transfer System (EFTS) is not a Major contributor to the Banking crisis of 2008.
8. Looser governance of loan requirements is a Major contributor to the Banking crisis of 2008.
9. Loans with variable interest rates is a Major contributor to the Banking crisis of 2008.
10. The creation of the FDIC is a Major contributor to the Banking crisis of 2008.
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Answer:
Explanation:
quick way to get the answer your looking for took a pic of the diagram!
Related Questions
supportive, value-based, and work facilitation are examples of the ________ element in house’s revised path-goal leadership model.
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Based on the components of the path-goal leadership model, supportive, value-based, and work facilitation are examples of Leadership behaviors elements in the House’s revised path-goal leadership model.
The other significant elements in House's revised path-goal leadership model include the following:
Follower's characteristics;Task Characteristics.House R.J was 1971 started these elements in his work titled "A Path-Goal Theory of Leader Effectiveness."
These elements define a different aspect of effective leadership.
Hence, in this case, it is concluded that the correct answer is "Leadership behaviors."
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True or false: A management contract is an arrangement in which one firm contracts with another to produce products to its specifications.
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The statement which states that a management contract is an arrangement in which one firm contracts with another to produce products to its specifications is false
According to the given question, we are asked to show whether a management contract is one where there is an arrangement between two firms to produce its goods to its specifications.
As a result of this, we can see that a management contract is one where one firm gives its management skills in part or in full to another firm.
With this in mind, we can see that contract manufacturing is one where there is an arrangement in which one firm contracts with another to produce products to its specifications but is in charge of the marketing.
Therefore, the correct answer is false.
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an assessment of costs and benefits inevitably involves
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Event Credit Payment Interest Principal Balance
$500.00 $0.00 $0.00 $500.00
Payment 1 $100.00 $7.40 $92.60 $407.40
Payment 2 $100.00 $6.23 $93.77 $313.63
Payment 3 $100.00 $4.79 $95.21 $218.42
Payment 4 $100.00 $3.02 $96.98 $121.44
Payment 5 $100.00 $1.86 $98.14 $23.30
Payment 6 $23.64 $0.34 $23.30 $0.00
Grand Total $500 $523.64 $23.64 $500.00 $0.00
Study this payment schedule and answer the following questions.
Part A
How long will it take to pay off this credit card?
Part B
How much will the interest be?
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Answer: 6 months
Explanation:
plato
Answer:
It will take six months to pay off the credit card and the interest will be $23.64
Explanation:
Explain why most trade occurs because of comparative advantage. Be sure to provide examples from the data tables or from the lesson to support your answer.
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Most trade is due to the comparative advantage of an organization's ability to produce a good or service with lower marginal cost and opportunity cost.
As an example, we can cite trade between Africa and the United States, where Africa markets agricultural products such as corn and citrus to the US, and the US markets technological products such as computers to Africa.
Therefore, companies will use comparative advantage to acquire goods and services at lower prices than other competitors.
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Gerritt wants to buy a car that costs $29,250. The interest rate on his loan is 5. 53 percent compounded monthly and the loan is for 6 years. What are his monthly payments?.
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Answer and Explanation: The answer is in the 1st image, and the explanation is in the 2nd image.
The monthly payment would be an amount of $541.04 for a car that costs $29,250.
What is a monthly payment?A monthly payment is a payment made every month to pay off loans or advances. It's similar to EMI.
Given that Gerritt wants to purchase a car for $29,250. His loan has a compounded monthly interest rate of 5.53 percent and a term of 6 years
The total payback = P× r/100 × T + P
Here P = $29,250, r = 5.53 , and T = 6 years
The total payback = 29,250× 5.53 /100 × 6 + 29,250
The total payback = 29,250× 0.0553 × 6 + 29,250
The total payback = $38,955.15
The total payback of the borrowings will be $38,955.15 over a six-year period. The monthly payment for this will be,
The monthly payment = Total payback / No. of payment
The monthly payment = 38,955.15/ 72
The monthly payment = $541.04
Therefore, the monthly payment would be an amount of $541.04.
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An exporter can shift exchange rate risk to their customers by:_________.
a. invoicing in their home currency.
b. splitting the difference, and invoicing half of sales in local currency and half of sales in home currency.
c. invoicing in their customer's local currency.
d. invoicing sales in a currency basket such as the SDR as the invoice currency.
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The process of invoicing in their home currency can definitely shift an exporter exchange rate risk to their customers
An exchange rate risk refers to the risk related to fluctuations in local currency in comparison to the foreign currency.
An exporter who want to avoid the risk of exchange rate can invoice the trade in his local currency, thus, only the customer will suffer for fluctuation if any occurs.Hence, the Option A is correct because the The process of invoicing in their home currency can definitely shift an exporter exchange rate risk to their customers
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What happens to the price and quantity of churro waffles if the price of brown sugar decreases?.
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Answer:
The price of the churro waffles will go up and the quality will go down.
If the price of brown sugar decreases, then the price of churro waffles will decrease and quantity will increase.
How quantity is affected by price changes?The quantity that customers desire is determined by the price of an item or service in a market. When non-price elements are taken out of the equation, it follows that higher prices lead to lower quantities demanded and lower prices lead to larger quantities desired. As a result, according to the rule of demand, there is an inverse connection between a product's price and the quantity that is desired for it.
A drop in the cost of the good leads to an increase in the amount required (and vice versa). The amount wanted and any market price is represented by a demand curve. A shift along a demand curve is used to illustrate a change in the amount required.
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product, price, place, and promotion are the four elements in the
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Answer: Marketing Mix
Explanation:
Nancy’s job as the moderator is to ask questions
to each member of the group in front of an audience. Is it a committee?
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Answer:
Yes
Explanation:
At his sales firm, Angus tends to have a negative attitude and deflates his group members by being hostile toward their ideas and accomplishments. Angus fills the individualistic role of
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Based on the way he acts towards his colleagues and the effect it has on them, we can infer that Angus is playing the role of Aggressor.
An aggressor:
Behaves in such a way as to dominate others and subjugate them Behaves in a hostile manner and are usually negative Aims to stir up conflictIn being hostile to his colleagues, Angus is trying to subjugate them and stir up negative feelings in the workplace which is what an aggressor would do.
We can therefore conclude that Angus is an aggressor.
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When Maria’s friend mentioned an upcoming concert, Maria quickly thought about the new CD that was supposed to come out that day. This connection that occurred as a result of the word "concert" is an example of a __________. A. Semantic network B. Hierarchy C. Concept D. Schema.
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The information illustrated is an example of a A. semantic network.
A semantic network means a source of information reflecting semantic relationships among approaches within a server. It is also used as the type of recognition of information.
While Maria's friend suggested an upcoming show, she was quick to assume of that same latest record that had been expected to be released that day. Therefore, the relationship that happened as a result of the concert is an illustration of the semantic network.
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Which of the following is typically NOT led by a company's Human Resource department?
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Answer: they dont file complaints
Explanation:
The existence of a ________ means that the interest rate on a two-year bond will exceed the average interest rate on two successive one-year bonds.
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Direct labor variances ______. Multiple choice question. can only be computed for differences in pay rates are computed in the same way as material variances are generally the responsibility of the human resources manager are broken into two components (price and usage)
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The direct labor variances are computed in the same way as the material variances.
In accounting, a direct labor variance means the difference between Standard cost for actual production and Actual cost in production.
Also, the material variances means the difference between the Standard cost and Actual cost of material purchased.Hence, the Direct labor variances are computed in the same way as the material variances.
Therefore, the correct option is B.
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Please help please please
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Answer:
e you chose that includes at leasnts on your time line.) You can create the time line below or submit a separate Word or PowerPoint document containing the time line. If your tim
Explanation:
5. Submit a thematic time line for the theme yo You can create the time line below or submit a separate Word or PowerPoint document containing the time line. If your tim
The bulk of evidence suggest that_______.
a. markets are competitive enough that only superior information or insight will earn superior risk adjusted returns
b. markets are competitive enough that earning superior risk adjusted returns is impossible
c. markets are inefficient enough that earning superior risk adjusted returns is time consuming but not difficult the efficient
d. market hypothesis has been proven incorrect, resoundly.
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Answer:
C
Explanation:
I’m not sure tho
How are the management functions of planning, organizing, and leading different from one another? explain.
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Answer:
Planning is the function of management that involves setting objectives and determining a course of action for achieving those objectives.
The management functions are planning, organizing, and leading different from one another because planning is to plan for the future. Organizing are to coordinate the team. Leading are the lead the team according to the plan.
What is management?
The term “management” refers to the act of managing. The management of the business activities. Management is the basis of art, science, and the profession. Management are they manage the organization. Management are based of the different functions are the step by step.
There are the different types of the function of the management are the planning, organizing, and the controlling. The planning for the project and the task of the future. Organizing are the team and the information of the new project. Leading are to lead of the team and the directing as how to perform the new task.
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people often become wealthy by using a painfully simple strategy.
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Answer:
It's about the power
It's about the drive
Explanation:
Just listen to face off song
Which media outlet is a good choice for grocery and fast food advertisements because many consumers decide what to buy while enroute to the store
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Answer: Radio
Explanation:
what do growth in standard of living, low unemployment, low inflation, and a sustainable balance of trade all share in common?
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The thing that growth in standard of living, low unemployment, low inflation and sustainable balance of trade have in common is the main universal goals of macroeconomic policy.
Macroeconomic policy are those adopted economic policies which aims to ensures a stable economic environment that is conducive to bring strong and sustainable economic growth
So, the thing that growth in standard of living, low unemployment, low inflation and sustainable balance of trade have in common is the main universal goals of macroeconomic policyTherefore, the Option A is correct.
Missing options includes "A.main universal goals of macroeconomic policy B. lack of diversity in undeveloped countries in the World C. microeconomic policy goals of developed countries D. microeconomic policy goals of undeveloped countries"
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Katrine doesn't understand all of the various aspects of automobile insurance and relies on her local independent State Farm Insurance agent to provide her with information. This agent acts as a(n) _____ for State Farm.
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Appleville is a village that specializes in all forms of apple products. Suppose that each winter, when no apples are being produced, aggregate output falls below the long-run equilibrium output level. What type of fiscal policy might be most effective in correcting this problem
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The type of fiscal policy which might be most effective in correcting this problem is:
C) Increasing government spending in order to increase aggregate demand.According to the given question, we are asked to state the type of fiscal policy which might be most effective in correcting this problem of the village which loses its aggregate output.
As a result of this, we can see that the fiscal policy which can solve this problem is by increasing the government spending so that the aggregate demand would be increased.
Therefore, the correct answer is option C
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what is the child abuse prevention hotline number
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The percentage of total industry output accounted for by the largest firms in an industry is called the:
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Answer:
A B
A concentration ratio is used to measure... market dominance
Percentage of total industry output accounted for by the largest firms in the industry is termed... the concentration ratio
The sum of the squared market shares of each firm in an industry is termed ... the Herfindahl-Herschman Index
Explanation:
Managers can limit conflicts brought about by ______ by treating employees equally, being open about why some employees are rewarded, and offering mentoring programs.
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Based on workplace or organizational management, Managers can limit conflicts brought about by co-workers by treating employees equally, being open about why some employees are rewarded, and offering mentoring programs.
To promote good working relationships, managers need to solve any conflicts among co-workers amicably by being open to everyone involved.
This will show impartiality from the managers and will help solve the issue permanently.
Co-workers tend to have dynamic relationships in the same organization, and to prevent long-term conflict; managers should settle the issue without looking biased.
Hence, in this case, it is concluded that the correct answer is "Co-workers."
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Campbell's, the soup manufacturer, maintains a low-level of advertising during the entire year, but Campbell's advertises heavily during the winter months when people are cold and looking for something to help warm them up. What kind of advertising strategy is Campbell's most likely using
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Most likely to use commercial advertisements\ing, showing snow for the cooler winter times, Thanksgiving dinners with people and their loved ones for a warm thanksgiving dinner, this could be followed along with kids and/or elders getting a cold or flu during this winter season using Campbell’s soup as a way for them to “warm up”, because who doesn’t want a hot bowl of soup when they have a cold?
Education benefits both students and the community. Suppose students purchasing education consider only their own benefits when determining how much education to obtain and schools supplying education consider only their costs when determining how much education to supply.
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Education has help man to be able to shape a better society to live in by knowing and obeying rights, laws etc. In this situation, the social benefit will be Greater than the private benefit and the amount of education produced will be below the socially efficient amount.
Education has help in a lot of ways. These ways includes;
It has help to become better citizens.It has also help people to secure better-paid job. Education shows us the essence of hard work.Community education is also called community-based education. This is simply an organization's programs aim to promote learning and social development work with individuals and groups in a said communities through the agent of formal and informal methods.
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Anchor Resort and Casino surveils its customers and employees through a complex network of recorded video; undercover security agents; and weighing chips, cards, and coins for key transactions. What potential disadvantage of monitoring employees should Anchor managers consider
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The potential disadvantage of monitoring employees that Anchor Resort and Casino managers do is that extensive monitoring can make employees feel that Anchor Resort doesn't trust them.
In a Casino where there is a high currency circulation and whose games can be more susceptible to fraud, it is necessary to have more regulation and monitoring, but when it becomes an excessive practice it can encourage employee turnover and demotivation.
There must be a mutual trusting relationship between a company and an employee, as a positive relationship generates greater job satisfaction, greater motivation and generates an organizational culture focused on development.
Therefore, Anchor Resort and Casino can develop a strategy to increase trust in the relationship among employees through training, open communication, feedback and encouraging positive practices in the company.
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A stock dividend causes a stockholder's percentage ownership in a company to ______. Multiple choice question. remain the same decrease increase
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The stock dividend causes the stockholder's percentage ownership in a company to remain the same.
Basically, the stock dividend refers to the amount paid as part of profit distribution to the shareholders of a corporation.
Stock dividend are paid to stockholders who hold a unit of share with the corporation.The stock dividend does not affect the percentage of ownership in the firm because it is paid directly to the stockholdersTherefore, the Option B is correct.
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