The following statement "a business loan is substantively no different than other types of debt such as student loans or a home mortgage" is true.
Although they have different meanings, the phrases "mortgage" and "home loan" are sometimes used synonymously. An acquisition loan known as a mortgage is one that is backed by the asset being purchased, the property. A mortgage product used particularly to buy a home is known as a home loan.
However, the bank or mortgage company does not actually own your home; rather, they just have a stake in the property and the mortgage note. The mortgage loan's security is thought to be your house. You are the property's legitimate owner as long as you repay your mortgage in line with the conditions.
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hich guideline should be followed to ensure that you are including the information that is necessary for your message?
When composing any message, it is important to follow the "Five C's" of communication:
1. Clarity: Ensure that your message is written clearly and concisely so that your intended audience can easily understand it.
2. Conciseness: Avoid unnecessary words and phrases. Keep your message brief and to the point.
3. Completeness: Include all relevant information that the recipient needs to understand the message.
4. Consideration: Tailor your message for the specific audience. Always consider how your message will be received by the recipient.
5. Courtesy: Use polite language and be respectful.
By following the Five C's of communication, you can ensure that your message conveys all of the necessary information while being clear, concise, and courteous.
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price discrimination refers to selling a specific product: group of answer choices where the difference between the price charged and the minimum average total cost is maximized. where the price charged by a purely competitive seller and the price charged by an imperfectly seller would be different. at more than one price when the price differences do not reflect cost differences. for different prices to the same person at two different points in time.
Price discrimination refers to the selling of a given product at different prices that do not reflect cost differences.
What does price discrimination entail?According to what the vendor believes they can get the customer to agree to, price discrimination is a sales approach where clients are charged varying prices for the same good or service. The merchant charges each consumer the maximum price they will allow in a pure price discrimination scenario.
Why is it against the law to price discriminate?When a company charges different clients different prices for the same commodity or service, this is referred to as price discrimination. Price discrimination is forbidden when it is done with the intention of hurting competitors under the Sherman Antitrust Act, Clayton Antitrust Act, and Robinson-Patman Act.
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the most common cross-channel shopping and buying path is to browse one or more websites and then multiple choice purchase the item at a retail store. click on the shopping cart icon to purchase the product or service. negotiate among competitors for the lowest price. find the item on an auction site such as ebay. contact the manufacturer directly.
The most common cross-channel shopping and buying path starts with researching and browsing for products or services online, either directly on a retailer’s website or through other third-party channels such as comparison shopping sites, reviews sites, and social media.
Once a customer has identified the product or service they wish to purchase, they can then place their order directly on the retailer’s website by clicking on the shopping cart icon. If they prefer, they can also negotiate with competitors to find the lowest price. Alternatively, they can find the item on auction sites such as eBay, or contact the manufacturer directly to purchase the item. Once they have decided to purchase the item, they can either complete the transaction online or visit a retail store to make the purchase.
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the yyy -component of the electric field of an electromagnetic wave traveling in the x x x direction through vacuum obeys the equation ey
The y-element of the electrical area of an electromagnetic wave visiting in the +x-path thru vacuum obeys the equation Ey=(375N/C)cos[kx−(2.20×1014rad/s)t] E y = ( 375 N/C ) cos [ k x − ( 2.20 × 10 14 rad/s)t ] .
The required details for Electromagnetic radiation (EMR) in given paragraph
Electromagnetic radiation (EMR) is composed of waves of the electromagnetic (EM) area, which propagate thru space and carry momentum and electromagnetic radiant power. All of those waves shape a part of the electromagnetic spectrum. Classically, electromagnetic radiation is composed of electromagnetic waves, which might be synchronized oscillations of electric and magnetic fields. Depending at the frequency of oscillation, distinctive wavelengths of electromagnetic spectrum are produced. In a vacuum, electromagnetic waves journey at the velocity of light, typically denoted c.
In homogeneous, isotropic media, the oscillations of the 2 fields are perpendicular to every different and perpendicular to the path of power and wave propagation, forming a transverse wave.
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savings banks: a. are a type of commercial bank b. are profit-oriented c. are a type of thrift institution d. do not invest their money in stocks and bonds e. are nondepository institutions
Savings banks: are a type of commercial bank
Reserve funds banks are like business banks yet they are designed for serving people instead of organizations. They take stores basically from people, and their venture movement is restricted by the national government to explicit non-business speculations, for example, home loan advances.
What kind of bank is a reserve funds bank?
Reserve funds Banks
A monetary foundation coordinated to acknowledge reserve funds stores and pay interest on those investment funds stores. Reserve funds banks can have state or government affiliations (for instance, state investment funds banks and bureaucratic reserve funds banks).
Is Reserve funds Bank a monetary organization?
A reserve funds bank is a monetary organization whose main role is tolerating reserve funds stores and paying revenue on those stores.
What is the sort of business bank?
Business Banks can be additionally characterized into public area banks, confidential area banks, unfamiliar banks and Territorial Provincial Banks (RRB). Then again, helpful banks are characterized into metropolitan and country.
What is implied by reserve funds bank?
Reserve funds bank, monetary establishment that accumulates reserve funds, delivering revenue or profits to savers. It channels the reserve funds of people who wish to consume not exactly their livelihoods to borrowers who wish to spend more.
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refer to the above cost chart. if the market price is $6, what output level will the firm produce? a. 10 b. 12 c. 14 d. 20
Answer:
wheres the chart??
Explanation:
A qualitative forecasting method which brings experts together to jointly discuss and develop forecasts is
Panel consensus forecasting is a qualitative forecasting technique that gathers specialists to consult and collaborate on projections.
What does business forecasting entail?In order to anticipate the industry's future financial performance, small business owners must look at both historical and current data, as well as market trends. It helps you to forecast your prospective income for a given time period and make large cost plans.
Describe forecasting with an example:Making forecasts based on past and present data is part of the forecasting process. These may then be compared to (settled) what really takes place. For instance, a company can forecast its revenue for the upcoming year and compare that forecast with the results of the actual year.
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Two city councilors are debating whether to pursue a new project. Councilor Miles says it is " worth it " to society only if suppliers lower their costs to the city for input to the project.
Answer: Councilor Squeaky disagrees, and says it doesn't matter -- society is no better off with these cost concessions than it would be without the concessions.
Explanation:
If the costs of increasing efficiency are not correlated with revenue, then councilor Squeaky is right.
bacon, andrea 4 m 44 $12.00 cole, andrew 1 s 40 12.00 hicks, melvin 3 m 43 10.50 leung, cara 1 s 37 11.00 melling, melissa 2 m 40 13.00
Payroll refers to the total amount that is required to be taken into account.
What is the Payroll?A payroll is a list of the employees of a company who are eligible for payments and other work perks, as well as the amounts which each person is supposed to receive.
Payroll is the method of paying employees of a business, which includes keeping track of hours worked, figuring out salaries, and sending checks or direct deposits to employees' bank accounts.
The process for paying employees' salaries is known as payroll. The first step is to create a list of something like the employees who must be paid, and the last step is to keep track of the costs. Payroll, HR, as well as finance teams, must all work together to complete the challenging process.
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Full Question-
Mary’s Luxury Travel uses a weekly federal income tax withholding table. Refer to Figures 8-4 in the text. The payroll data for each employee for the week ended March 22, 20—, are given. Employees are paid 1½ times the regular rate for working over 40 hours a week.
Name No. of
Allowances Marital
Status Total Hours
Worked Mar. 16–22
Rate Total Earnings
Jan. 1–Mar. 15
Bacon, Andrea 4 M 44 $12.00 $5,600.00
Cole, Andrew 1 S 40 12.00 5,780.00
Hicks, Melvin 3 M 43 10.50 4,820.00
Leung, Cara 1 S 37 11.00 5,113.00
Melling, Melissa 2 M 40 13.00 4,716.00
suppose that lenders want to receive a real rate of interest of 5%, and that they expect inflation to remain steady at -1% in the coming years. based on this, lenders should charge a nominal interest rate of %.
If you as a borrower receive a $100 loan at a rate of 5%, you can anticipate paying an interest fee of $5. Inflation has been accounted for by marking up the rate.
What Is Nominal Interest Rate?The interest rate before accounting for inflation is referred to as the nominal interest rate.
The short-term nominal interest rate that serves as the foundation for other interest rates imposed by banks and other financial institutions is the federal funds rate, which is established by the Federal Reserve.
Investors look at the real interest rate rather than the nominal interest rate to prevent inflation from eroding purchasing power.
Real interest rates can be used to account for the effects of inflation. This real interest is what the lender actually receives in the case of a loan. The (effective) real rate of interest, for instance, is zero if the lender receives an interest rate of 8% loan and inflation is also 8%. In this case, despite receiving a higher nominal amount of currency, the lender would not benefit financially from the loan because each unit of currency would lose value due to inflation by the same percentage as the nominal amount did.
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Shannon signs a contract with Tevin, an unlicensed contractor, to build a deck and gazebo at the rear of her house. This contract is enforceable by......a. Shannon.b. any third party who is not aware that Tevin is not licensed.c. Tevin.d. no one.
The correct to the given question about Shannon's contract with unlicensed contractor to build a deck and gazebo is option d) No One.
A person who makes repairs or modifications to a home without having the professional license, business license, or insurance coverage needed by law to carry out this work in the state in which they operate is known as an unlicensed contractor.
A gazebo is a pavilion building that is frequently erected in a park, garden, or other large public area. It might occasionally be octagonal or turret-shaped. On occasion, some are used as bandstands. According to Oxford Dictionaries, the derivation dates back to the middle of the eighteenth century and is "perhaps jokingly from glance, in imitation of Latin future tenses ending in -ebo: compare with lavabo." A reference to the Casbah, an area of Algiers that is predominantly Muslim, was made by L. L. Bacon. In a poem by Cordoban poet Ibn Quzman, W. Sayers proposed the Hispano-Arabic qushaybah.
The English architects John and William Halfpenny's book Rural Architecture in the Chinese Taste, published in the middle of the 18th century, contains the word "gazebo." A Chinese Tower or Gazebo, Situated on a Rock, as Shown in Plate 55, "Elevation of a Chinese Gazebo,"
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which of the following is necessary in order to establish that a mutual mistake involving a basic assumption about the subject matter of a contract was made? question 44 options: the mistake involved a misunderstanding regarding the applicability of the uniform commercial code (ucc) to the contract the mistake involved the existence, quality, or quantity of the items to be exchanged the mistake involved the identity of parties to the contract or whether a party misunderstood the time constraints involved in the contract the mistake involved whether a party could profit from the contract the mistake involved whether a party could profit from the contract or whether a party misunderstood the time constraints involved in the contract
a mutual mistake involving a basic assumption about the subject matter of a contract was made the contract the mistake involved the existence, quality, or quantity of the items to be exchanged.
What is a mutual mistake in contract law?When both parties to a contract are erroneous regarding the same crucial piece of information, this is known as a mutual error. They disagree with each other. Although the parties are in agreement, they are in error.The situation in which all parties to a contract are "mistaken" regarding a fundamental fact is a common error. The contract may be defective at law or, in some cases, voidable in equity if both parties had the same mistaken belief (such as that items were included in a sale of contract).To learn more about mutual error refer,
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T or F: Macroeconomics looks at the long run economic problems while microeconomics examines the short run problems
Macroeconomics looks at the long run economic problems while microeconomics examines the short run problems.
This statement is True.
Macroeconomics is the branch of economics that studies the performance, structure, behavior, and decision-making of the economy as a whole. For example, interest rates, taxes, and government spending are used to regulate economic growth and stability. This includes regional, national and global economies.
Macroeconomics is the branch of economics that studies the behavior and performance of the economy as a whole. It focuses on changes across the economy, including unemployment, growth, gross domestic product, and inflation.
Macroeconomic factors include inflation, fiscal policy, employment levels, national income and international trade.
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the great recession hit texas particularly hard, with texas being one of the first states to enter and one of the last to exit. T/F
This statement is False. The Great Recession hit the United States hard, but Texas fared better than many other states. The state experienced a milder recession and was one of the first to start recovering.
In the period leading up to the recession, the Texas economy saw strong growth and job creation, driven by the energy sector and a booming housing market. This meant that when the recession hit, the state's economy was in a relatively healthy position.
The housing market in Texas also fared better than the national average. The market in Texas was not as overbuilt as other states, and there was not as much speculation. As a result, the housing market in Texas was less affected by the recession.
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contractionary monetary policy by the fed will decrease domestic consumption, increase the value of the dollar, decrease us exports and shift the ad curve to the left
A type of monetary policy known as a contractionary monetary policy aims to slow down the rate of monetary expansion in order to combat inflation. The main sign of an overheated economy
, which can be brought on by prolonged periods of economic development, is a spike in inflation. To avoid excessive speculating and unsustainable capital investment, the policy restricts the amount of money available in the economy. A central bank or other such regulatory body often implements a contractionary monetary policy. In most cases, the central bank sets an inflation objective and uses contractionary monetary policy to achieve it.
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Which of the following does not belong in the list of the seven principles of supply chain management?a. Segment Customers Based on Service Needsb. Differentiate Products Closer to the Customerc. Develop Outsourcing Strategy to Maximize Asset Utilizationd. Adopt Channel-Spanning Performance Measures
Managing the flow of goods and services, or supply chain management, entails overseeing the procedures that convert raw resources into finished items.
How does Supply Chain Management (SCM) Works?Suppliers work to create and put into place supply chains that are as effective and cost-effective as they can through supply chain management (SCM). Supply chains cover everything, including product development, production, and the information systems required to manage these tasks.Typically, SCM aims to centrally coordinate or link a product's manufacturing, transportation, and distribution. Companies can lower overhead expenses and expedite product delivery to customers by controlling the supply chain. This is accomplished by maintaining closer control over internal inventories, production, distribution, and sales as well as vendor stocks owned by the business.SCM is predicated on the notion that almost every product that enters the market is a direct outcome of the work of numerous businesses that make up a supply chain. Despite supply chains' long history, most businesses have only recently begun to see them as a potential source of added value to their operations.To Learn more About supply chain management refer to;
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Analyzing each action of a firm on a case-by-case basis to determine if it is in violation of the antitrust laws is generally called judgment by:
A) structure.
B) comparison.
C) case-by-case.
D) performance.
Analyzing of each action of a firm on a case-by-case basis to determine if it is in violation of the antitrust laws is generally called judgment by performance.
What is judgment by performance?A performance judgment tells about competitiveness of the markets evaluated by the conduct of companies in this industry. Under this, the evaluation by the assessing team focuses on how the firms behave in the market suppose the firm has insufficient production, unworthy products, less production, and a lack of competition.
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T/F The first step in determining how much sleep you need is to evaluate your level of fatigue after getting 8 hours of sleep.
It is true that the first step in determining how much sleep you need is to evaluate your level of fatigue after getting 8 hours of sleep.
Although there are also tests that can be done at home, an in-lab sleep study offers the most thorough analysis of your sleep. A sleep study uses painless sensors to monitor your breathing, heartbeat, and brain activity while you sleep. It also records the oxygen levels in your blood as well as your eye and limb movements.
The most typical onset ranges from 12 to 25 years old. 10% of instances are found to be in guys despite being significantly more common in females.
Statistics on Sleep Deprivation
The recommended amount of sleep for adults is seven to nine hours per night. Adults aged 65 and up require 7-8 hours. Nearly half of all Americans claim to experience daytime sleepiness three to seven days each week. 35.2% of American adults overall.
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both the united states and india make corn and rice. the united states can make 50 bags of rice or 150 bags of corn in any given day, while india can make 100 bags of rice or 200 bags of corn in a given day. according to the law of comparative advantage, which of the following are true?
a. The U.S. should specialize in producing rice and trade that rice to India, who is specializing in producing com. b. India has the comparative advantage in both goods, and so no gains from trade can occur. c. The United States has the absolute advantage in both goods, and so no gains from trade can occur. d. The U.S. should specialize in producing corn and trade that corn to India, who is specializing in producing rice
The United States should focus on growing rice and trade its rice to India, which specializes in growing maize.
Describe trading and an example.The act of exchanging goods or services between people, companies, or countries is referred to as trade. The discussions for a new international commerce deal were directly under the ministry's jurisdiction in every facet of foreign commerce. Texas and Mexico have long-standing commercial ties.
What exactly does trade in business mean?The term "commerce" or "business" refers to any activity carried out with the intention of making a profit first from sale of merchandise or the rendering of services. It is not restricted to integrative aggregates of assets, operations, and goodwill that constitute businesses for the purposes of other Internal Revenue Code sections.
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Under the customer-oriented perspective of the HRM function, line managers and strategic planners are considered to be ______.
Under the customer-oriented perspective of the HRM function, line managers and strategic planners are considered to be customers.
Job design and job analysis, recruitment, hiring, and selection, training and development, remuneration and benefits, performance management, managerial relations, and labour relations are a few of the core duties of HRM function. The goals of human resource management are to find qualified candidates, hire them, train them, and then assist them in enhancing their performance so they can realise their full potential and contribute to the organization's objectives. The HR department's primary duty is recruitment. While HR is involved in many other areas, including data administration, statutory compliance, employee engagement, and employee development, one of their main areas of focus is finding, selecting, and onboarding qualified employees for the company.
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Which outcome will result from Accenture teams successfully adopting agile ways of working?
The outcome that will result from Accenture teams successfully adopting agile ways of working is option D: increase in morale and employee engagement among team members
What s the Accenture teams about?Agile is a flexible, iterative approach to project management that is designed to deliver value to the customer more quickly and efficiently. It emphasizes collaboration, flexibility, and continuous learning and improvement.
Therefore, By working in shorter, more focused sprints and continuously seeking feedback from stakeholders, teams can be more responsive to changing needs and priorities, which can lead to higher levels of engagement and satisfaction among team members.
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See full question below
Which outcome will result from Accenture teams successfully adopting Agile ways of working?
O decline in product quality as a result of working in shorter sprints
O increase in time to market as products are not released until they include all features
O stricter boundaries between development and testing team responsibilities
O increase in morale and employee engagement among team members
O l don't know this yet.
Suppose that we deposit $8,400 at 7% interest compounded continuosly. How will our money grow?
The money will grow in a recursive way:
For first month: I = $4897.2; A = $13297.2
For second month: I = 7,752.26; A = $21049.46
What the continuous compound interest?In theory, continuous compounding means that your account balance is always earning interest, and that interest is fed back into your account balance, so you're also earning interest.
The 7% interest is an annual percentage rate (APR) – the total interest to be paid during the year.
Since interest is being paid monthly, we will earn 7/12 = 0.583%
P₀ = $8,400
r = 0.583%
I = $8,400 (0.583)
I = $4897.2
A = $8,400 + $4897.2
A = $13297.2
In the first month, we will earn $4897.2 in interest, raising our account balance to $13297.2.
In the second month,
P₀ = $13297.2
r = 0.583%
I = $13297.2 (0.583)
I = 7,752.26
A = $13297.2 + 7,752.26
A = $21049.46
To find an equation to represent this, if Pₙ represents the amount of money after n months, then we could write the recursive equation:
P₀ = $8,400
Pₙ = (1 + r) × Pₙ₋₁
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All of the following could immediately or eventually lead to an outward shift of a nation's production possibilities curve, except:
A. immigration of skilled workers from other nations to our country.
B. an increase in the birth rate.
C. an increase in the average skill level of all occupational groups.
D. depletion/reduction of the availability of major energy resources.
Correct answer D: depletion/reduction of the availability of major strength resources.
What do you mean by depletion of electricity resources?Energy depletion is the ratio of the price of the inventory of energy sources to the ultimate reserve lifetime (capped at 25 years). It covers coal, crude oil, and herbal gas. Mineral depletion is the ratio of the cost of the stock of mineral assets to the remaining reserve lifetime (capped at 25 years).
What is the essential cause of depletion of resources?Over consumption and waste. This is the immoderate and needless use of resources. Deforestation and the Destruction of Ecosystems main to loss of biodiversity. Mining of Minerals and Oil.
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https://brainly.com/question/13824884#SPJ4clara barnett, a fixed income analyst, wishes to assign a value to an illiquid bond issued by celadon ceramics. the semiannual coupon bond has a coupon rate of 7.50% and exactly 3 years until maturity. barnett has identified two comparable bonds with recent transaction data: comparable bond maturity yield to maturity a 2 years 6.87% b 5 years 7.19% using matrix pricing, the value of the celadon bond per 100 of par value is closest to: group of answer choices 99.57. 101.39. 101.15.
The maturity date for the semiannual coupon bond is 3 years, and the coupon rate is 7.50%. Two analogous bonds have been found by Barnett.
How do two bonds compare?The "yield to maturity" must be calculated in order to compare various fixed-income securities. This combines the bond's purchase price and coupon rate, reflecting the investor's actual underlying interest rate of return.
Which two bond types are most prevalent?Series EE Savings Bonds and I-bonds are two of the most popular varieties of US savings bonds. According to the Financial Industry Regulatory Authority, I-bonds are a popular safe investment product since they have "essentially no credit and default risk."
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a process focused on the identification and location of porential evidence related to a specefic legal action after it was collce
A process focused on the identification and location of potential evidence related to a specific legal action after it was collected through is called discovery.
Discovery- Something that has been found or learned about for the first time is referred to as a discovery. The act of discovering is another definition of discovery. Discoveries are when something is found or something is learned that was previously unknown or invisible.
A discovery is the first time someone recognizes something that already existing and that no one has ever found before, such as when Christopher Columbus discovered the Americas.
Before the trial even starts, the parties might learn what evidence might be used through discovery. It is intended to prevent "trial by ambush," in which one side learns of the other's testimony or evidence only during the trial, leaving no opportunity for the other side to provide rebuttal evidence.
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Glass Company and competitive merchants who deal in goods of the same kind assert that their products are reasonably fit for the ordinary purposes for which such goods are used. This is A. a warranty of title. B. an express warranty. C.can implied warranty D.. puffery
Glass Company and competitive merchants who deal in goods of the same kind assert that their products are reasonably fit for the ordinary purposes for which such goods are used. This is an express warranty.
Hence, Option B is correct.
What do you mean by Express Warranty?
When a seller guarantees to the buyer that the product/service being offered has certain qualities, an express warranty is formed. Presenting an express warranty to a customer may result in a product liability claim against the company due to a marketing flaw.An express warranty is a seller's promise to repair or replace a faulty product, component, or service within a certain time period after it was purchased. Buyers rely on these promises or guarantees and may purchase items as a result.To know more about Warranty here
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66) A bank that helps a company finance transactions is both a financial intermediary and a financial public.
True or false
A bank that assists a firm with financing transactions is both a financial intermediary and a financial public, as stated in the aforementioned paragraph.
What defines a marketing intermediary's defining traits?Marketing intermediates that connect buyers and sellers, aid in the negotiation of an exchange, but do not take title to the items - earn commissions or fees based on a percentage of the sales income.Both a financial intermediary and a financial public, a bank that assists a business with financing transactions. In a company's microenvironment, its rivals are the most significant players.Marketing middlemen aid the business in distributing, selling, and promoting its goods to end consumers. Resellers, companies that specialize in physical distribution, marketing services companies, and financial intermediaries are some of them.A bank that assists a firm with financing transactions is both a financial intermediary and a financial public, as stated in the aforementioned paragraph.To learn more about Financing transactions refer to:
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generally, a high ratio could lead investors and creditors to view the company as being very risky.
Generally, a high Debt to owner's equity ratio could lead investors and creditors to view the company as being very risky.
What is the debt-to-equity ratio?
The debt-to-equity ratio is a financial metric that shows how much debt and shareholder equity were utilized to finance the assets of a company. The ratio, often known as risk, gearing, or leverage, is closely related to leveraging. A debt-to-equity ratio of roughly 2 or 2.5 is generally seen as good, though it differs by industry. According to this ratio, the corporation receives around 66 cents of every dollar invested in debt and the remaining 33 cents in equity. If the debt-to-equity ratio is 1.5, it means that the corporation has $1.50 in debt for every $1 in equity. A company's debt-to-equity ratio reveals how much debt it has in relation to investor equity.
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A(n) _____ duplicates the leader's product and package and sells it on the black market or through disreputable dealers.
Open Hint for Question 8 in a new window.
innovator
adapter
imitator
cloner
counterfeiter
A(n) counterfeiter duplicates the leader's product and package and sells it on the black market or through disreputable dealers.
A clandestine market or series of transactions that include some element of illegality or are marked by disobedience with an institutional set of regulations is referred to as a black market, underground economy, or shadow economy.
If the rule identifies a group of commodities and services whose manufacture and sale are illegal under the law, breaking the rule is considered engaging in black market commerce because the transaction itself is unlawful. Members of the illicit economy are those who produce or distribute products and services that are unlawful. Participants try to conceal their actions from the government or regulatory authority since tax evasion or involvement in a black market activity is forbidden.
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Suppose Bill Gates deposits $20 million into his checking account at Wells Fargo Bank. If the required reserve ratio is 10 percent, what is the maximum change in money supply?
A)
-$200 million
B)
-$180 million
C)
$2 million
D)
$180 million
E)
$200 million
The money supply can only fluctuate by a maximum of $200 million in this situation.
The term "money multiplier" describes the phenomena of credit creation brought about by the fractional reserve banking system, which requires banks to retain a predetermined amount of deposits in reserves to be able to meet any prospective withdrawal demand.
In other words, it means that a bank must hold a portion of all deposits as reserves while having the option to lend out the remainder to expand the amount of money in the economy.
Money Multiplier is equal to 1 / Required Reserve Ratio,
or 100/10,
Money Multiplier = 10
The total Money Supply is equal to Money Multiplier x Total Deposits.
Money Supply: 10 times $20 = $200 million
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