SIFI refers to financial institutions that are too large to fail due to their importance to the US economy. SIFI institutions are subject to more restrictions than other financial institutions since their collapse might result in a financial catastrophe affecting the whole economy.
Sifi too big to failA SIFI is considered "too large to fail," and extra regulatory requirements are placed to prevent it from failing. A systemically important financial institution (SIFI) is a corporation that U.S. authorities decide would represent a significant danger to the economy if it failed.
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if the learner is responding in a way that is not addressed by the prompting, error correction, and reinforcement procedures, the rbt must (fill in the blank).
If the learner is responding in a way that is not addressed by the prompting, error correction, and reinforcement procedures, the RBT must. notify the BCBA( Board Certified Behavior Analyst ).
What is Board Certified Behavior Analyst ?A Board Certified Behavior Analyst (BCBA) can be described as the person that posses the certification in applied behavior analysis.
It shopuld be noted that the BCBAs receive this certification through acquiring some skills, and in the case above where learner is responding in a manner that can not ba considered as one that isaddressed by the prompting, error correction then notification should be sent to BCBA.
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If the learner is responding in a way that is not addressed by the prompting, error correction and reinforcement procedures, the RBT must notify the BCBA.
Who is a Board Certified Behavior Analyst?These are Analysts involved in the study of how to conduct assessments to determine what is influencing behavior and then offer consultations for parents, caregivers, and clients, on how to avoid challenging behavior and increase adaptive behavior, such as academic and daily living skills.
The BCBA certification are acquired through the completion of the BCBA exam which focuses on testing the different disciplines required to become a BCBA.
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Accrued liabilities could include all of the following except:
A) salaries payable
B) current portion of long-term debt
C) income tax payable
D) interest payable
The recognition of expenses for which payment is scheduled for the future results in accrued liabilities. Accrued costs are another name for accrued obligations. Interest and income taxes are two instances of accumulated obligations.
Why do incurred costs constitute liabilities?
Expenses that have already accrued don't have an invoice or other supporting paperwork. They are listed on a company's balance sheet as current obligations, which means they must be settled within the next 12 months. For the borrower and lender, the accrued interest is documented in different ways. The accrued interest will be reported as an expense on the income statement and a liability on the balance sheet by those who are required to pay interest. if payment is due within a year.
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for this question, assume that a country experiences a permanent increase in its saving rate. which of the following will occur as a result of this increase in the saving rate? group of answer choices a permanently faster growth rate of output a permanently higher level of output per capita a permanently higher level of capital per worker all of these a permamently higher level of output per capita and capital per worker.
As a result of the permanent increase in the savings rate, the country would see:
a permanently higher level of output per capitaa permanently higher level of capital per workerWhat happens when there is a permanent increase in savings rate ?When a country has a permanent increase in the savings rate, this means that there will be more sources of loanable funds in the society and so the interest rates on loans will fall.
This would allow companies and individuals to borrow money which can be invested in the economy thereby leading to higher levels of output and capital per capita and worker, respectively.
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the company has its camera and drone assembly facilities in: a)Thailand b)South Korea c) the United Statesd)Japan e)Taiwan
The business enterprise has its digital digicam and drone meeting centers in e)Taiwan.
The required details about Taiwan is mentioned in below paragraph.
Taiwan is famous for generating some specific things. Most well-known of all are its electronics and their components. These Taiwanese merchandise aren't arbitrarily well-known – they make up a large part of Taiwan’s exports and that they run the gamut of the entirety electric, from flat screensto contact screens, microchips to optical drives, etc.No rely what logo or sort of laptop you’re analyzing this on, the probabilities are overwhelming that a few part, or most, of what’s interior of it was made in Taiwan. The island of Formosa is the world’s biggest unmarried laptop chip producer, and that they made high-quality breakthroughs in contact display era that has spurred the cellphone revolution.
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Identify the decisions and activities made by a manufacturing and service operations manager that have potential impact on the product quality.
a. Scheduling of work
b. Design of work policies
c. Management of facilities and equipment
d. Design and execution of processing procedures
Design and execution of processing procedures are decisions and activities made by a manufacturing and service operations manager that have potential impact on the product quality. Option D.
What is meant by product quality?Product quality describes how well a product fulfills industry standards, satisfies client needs, and accomplishes its intended function. Businesses examine a number of important elements when assessing the quality of a product, including whether it solves a problem, functions effectively, or serves the needs of customers.
Resource Management Decisions about resource allocation within a company must be made by operations managers. It consists of both material and human resources. Making ensuring resources are used effectively and efficiently is the aim. Forecasting is one of the most crucial components of resource planning.
The task of operations management is to control the conversion of raw materials into finished goods and services. In the manufacturing industry, operations managers are responsible for production planning, production control, and quality control.
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The fed's actions do not change aggregate demand by any guaranteed amount, because it is not known __________
Due to the uncertainty surrounding the precise magnitude of M1 and M2 changes in reaction to changes in the monetary base, the Fed's actions have no assured effect on aggregate demand.
What are the Fed's top three activities?The Federal Reserve, also known as the Fed, is the most influential economic organization in the United States and possibly the entire world. Setting interest rates, controlling the money supply, and overseeing the financial system are some of its main functions.
What are the three things the Fed could do to help the economy?In order to control the money supply and promote stable economic growth, the Fed primarily employs three instruments. The instruments are: (1) reserve needs; (2) discount rate; and (3) open market transactions. Each of these has a unique effect on the money supply and has the ability to either increase or decrease the size of the economy.
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TRUE/FALSE. business class computers typically have more hardware consistency through time than consumer market machines.
TRUE. Business class computers typically have more hardware consistency through time than consumer market machines.
What are business class computers?
Business class computers are made to last longer and are intended to be used more frequently. Consumer class computers typically employ poorer quality components and aren't built to last as long as business class computers do in order to give a lower price.
A business laptop is made specifically for commercial use. Compared to laptops designed for personal use, manufacturers tailor business laptops for travel and extended durations of use. A professional laptop will therefore have longer battery life, faster processing, and greater power to support a 40-hour workweek.
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In the following expression, the variable truckweight has the value 70000 and the variable weightlimit has the value 80000. truckweight < weightlimit what value does the expression evaluate to?
a. 70000
b. 80000
c. true
d. false
In the following expression, the variable truck weight has the true value does the expression evaluate. Thus, option (C) is correct.
What is the value?Values are the benchmarks or ideals by which we judge the acts, traits, possessions, or circumstances of others. Values that are embraced by many include those of beauty, honesty, justice, peace, and charity. Values are the benchmarks or ideals by which we judge the acts, traits, possessions, or circumstances of others. Values that are embraced by many include those of beauty, honesty, justice, peace, and charity.
Life values are the essential core beliefs that direct your actions and objectives as well as assist you in determining your level of overall success in life. For many people, values start early in life as their parents instill in them some of what they consider to be the most crucial principles.
Therefore, Thus, option (C) is correct.
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Daniel, a member is a CPA and has been licensed since 20X1. In [tex]20 \mathrm{X}_4[/tex], Daniel decided to attend law school and was admitted to his State Bar in 20X7. Daniel maintains both licenses and currently practices as both a CPA and a lawyer. According to the Code of Professional Conduct, which of the following is true? a) The Code explicitly prohibits the simultaneous practice of accounting and law by a member licensed in both professions. b) The Code does not explicitly prohibit the simultaneous practice of accounting and law by a member licensed in both professions. c) The Code allows Daniel to represent himself on his letterhead as both a CPA and an attorney. d) The Code explicitly states that a member should refer to applicable state accountancy laws and board of accountancy rules and regulations for guidance regarding the use of the CPA credential and, as such, the issue is not explicitly addressed in the Code.
According to the Code of Professional Conduct, the following is true B) The Code does not explicitly prohibit the simultaneous practice of accounting and law by a member licensed in both professions.
What is a profession?A profession is a choice of work of an individual, people who are good at a certain field they choose it as their profession so that they have interest in what they are working and can enjoy the work.
A person who is a lawyer and a Certified Professional Accountant CPA can exercise both professions at a time, this is according to the code of professional conduct. Simultaneous practice of both the profession is allowed and not written explicitly that it is disallowed. Daniel is a member CPA and also attended law school to be a licensed practitioner lawyer, and he can practice the two professions at once.
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Which of the following is a major reason why businesses fail financially?
Undercapitalization is a major reason why businesses fail financially.
What is undercapitalization?When a company lacks sufficient capital to conduct normal business operations and pay creditors, it is said to be undercapitalized. This can happen if the company does not generate enough cash flow or is unable to obtain forms of financing such as debt or equity.
Undercapitalized businesses do not have enough capital to pay their creditors and must frequently borrow more money. If a company is unable to generate capital over time, its chances of bankruptcy rise as it loses the ability to service its debts.
Therefore, undercapitalization can lead to a business failing financially .
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Your question is incomplete, the complete question was
which is a major reason why businesses fail financial?
undercapitalization, undervalued stock , poor use of marketing mix , expense controls are too rigid.
) substitutions in the event that the primary person is not available to fulfill their assigned duties
Succession planning is the substitutions in the event that the primary person is not available to fulfill their assigned duties.
A person is a being that possesses certain abilities or attributes such as reason, morality, conscience or self-awareness, and is part of a culturally established form of social relationship. such as kinship, property ownership or liability.
The traits that define personality, and therefore what makes a person considered a human being, vary widely across cultures and contexts. In addition to the question of personality, of what makes an organism to be considered a person in the first place, there are other questions of identity and personal ego.
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the is a form of organization that delivers goods and services at the lowest cost through specialization of jobs, close supervision of employees, and uniform regulations and procedures.
Bureaucracy is a form of organization that delivers goods and services at the lowest cost through specialization of jobs, close supervision of employees, and uniform regulations and procedures.
Both an administrative policy-making body and a group of non-elected government officials are referred to as bureaucracies. A bureaucracy, historically, was a form of government administration where departments were run by non-elected people. Today, bureaucracy is the administrative framework that governs all significant institutions, whether they are privately or publicly controlled. Bureaucracy is exemplified by the public administration in many jurisdictions and sub-jurisdictions, but it may also be seen in any institution with a centralized hierarchical structure, such as hospitals, academic institutions, commercial businesses, professional societies, social clubs, etc. Bureaucracy faces two main problems. Whether bureaucrats should be independent or directly answerable to their political overlords is the first conundrum.
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Suppose 3% of the people contacted by phone are receptive to a certain sales pitch and buy your product. If your sales staff contacts 2000 people, what is the probability that less than 50 of the people contacted will purchase your product?.
The probability that more than 100 purchase the product is 0
So, we have:
For x = 100, the z-score is calculated using:
So, we have:
z= 100-60/7.63
z = 40/7.63
z = 5.24
So, the probability that more than 100 purchase the product is calculated using:
P(x>1oo) = P (z>5.24)
From the z-score of probabilities, we have:
P (x>100)=0
Hence, the probability is 0
Probability = the number of methods of achieving success. the whole number of viable results. as an example, the probability of flipping a coin and it being heads is ½, because there is 1 way of having a head and the whole wide variety of feasible results is two (a head or tail). We write P(heads) = ½.
Chance is the branch of mathematics that researches the viable consequences of given events together with the consequences' relative likelihoods and distributions.
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a four-firm concentration ratio measures a. the fraction of employment of the four largest firms in an industry.b. the fraction of industry's sales accouted for y tha four largest firmsc. how the largest firms became so concentratedd. the production of any firm in an industry
The four-firm concentration ratio measures the percentage of total output in a market produced by the four largest firms.
Hence, option A is correct.
Explain in detail.
A measure of the degree of market concentration or competitiveness in an oligopoly market is the four-firm concentration ratio. By revealing the market shares of the top four companies in the sector, it quantifies market concentration.B. the demand elasticity of the top four companies in an industryThe elasticity of the four largest firms in an industry is not measured by the four-firm concentration ratio.C. the average cost of the top four companies in a given sectorThe four-firm concentration ratio does not reflect the average cost of the top four firms in a market.D. The quantity of businesses in an industryThe four-firm concentration ratio does not reveal the number of companies in a sector.To know more about Market here
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FILL IN THE BLANK. ________ are reductions in base price given as the result of a buyer purchasing some predetermined amount of merchandise. Cash discounts Trade discounts
Quantity discounts are price reductions offered as a result of a customer purchasing a specific number of items.
Are price cuts offered as a result of purchases made by customers?Quantity discounts are price reductions offered as a result of a customer purchasing a specific number of items. To encourage customers to make greater purchases, a noncumulative quantity discount is applied to each purchase.
What are the four main categories of discounts that are employed in marketing strategy?Discounts for loyal consumers who make repeated purchases. Discounts obtained by trading in a comparable product. Discounts for paying with cash as opposed to a credit card. Quantity discounts are reductions that promote buying more of a single product.
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neoliberalism has emerged as a guiding economic philosophy since the 1970s and has been promoted by large, worldwide institutions since the 1980s. neoliberalism is associated with...
Neoliberalism is associated with both the lowering of government spending and the privatization of public services and resources.
What is Neoliberalism?Neoliberalism is a word used to describe the political resurgence of 19th-century theories of free-market capitalism in the late 20th century after it had declined after the Second World War.
It is typically associated with policies of economic liberalization, such as privatization, deregulation, globalization, free trade, monetarism, austerity, and reductions in government spending in order to increase the role of the private sector in the economy and society.
It was a significant factor in the rise of conservative and libertarian organizations, political parties, and think tanks, and was primarily advocated by them.
The reduction in government spending and the privatization of public services and assets are both related to neoliberalism.
Therefore, Neoliberalism is associated with both the lowering of government spending and the privatization of public services and resources.
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insurance companies expend a lot of effort marketing their offerings, mainly due to the fact that insurance is a(n) ________blank that consumers don’t normally think about much.
Insurance companies expend a lot of effort marketing their offerings, mainly due to the fact that insurance is an unsought product that consumers don't normally think about much.
What are unsought products?Although a buyer may feel pressured into purchasing a product they do not want, unsought commodities are frequently bought under certain circumstances, so a marketing strategy that harasses consumers into purchasing the product will be seen as immoral. A notable example of an unasked-for good is funeral services.
Unsought goods are those that consumers are unaware of or hardly ever think about purchasing and whose acquisition is motivated by a combination of risk or worry about harm and lack of desire. Examples of well-known but unpopular things are funeral services, encyclopedias, fire extinguishers, and reference books.
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simone directed a morning talk show, but felt she had more to contribute. her manager added the live six o’clock news program to her directing responsibilities. this is an example of?
Simone directed a morning talk show, but felt she had more to contribute. her manager added the live six o’clock news program to her directing responsibilities. this is an example of job enlargement.
What is job enlargement?Job enlargement refers to broadening the range of a job's duties and responsibilities, usually while maintaining the same level and perimeter. Job expansion entails combining several organizationally equivalent tasks and adding them to the existing job.
Job expansion entails integrating numerous tasks that are performed at the same organizational level and adding them to the current work.
Employers can raise employee interest and engagement in their work by mixing responsibilities.
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blake is using a requirements elicting technique that begins with nonthreatening questions, avoids abbreviations
Blake is using a requirements elicting technique that begins with nonthreatening questions, avoids abbreviations: groups items into logically coherent.
In step with the definition with the aid of the FBI, elicitation is a method used to discreetly gather facts. that is to say, elicitation is the strategic use of informal communication to extract statistics from humans (goals) without giving them the feeling that they're being interrogated or pressed for the facts.
Example: She's been looking to elicit the assist of other committee participants. My question elicited no response. She's been unable to elicit lots sympathy from the general public.
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Lucky found $8.25 in pennies, nickels, dimes, and quarters while walking home from school one week. When she deposited this money in the bank, she noticed that she had twice as many nickels as pennies, 1 fewer dime than nickels, and I more quarter than nickels. How many quarters did Lucky find that week?
A. 3
B. 9
C. 16
D. 21
E. 26
If she noticed that she had twice as many nickels as pennies, 1 fewer dime than nickels, and I more quarter than nickels. The amount of quarters that Lucky find that week is: D. 21.
How to find the amount of quarter?
Let p represent the number of pennies
Let n represent the number of nickels
Let d represent the number of dimes
Let q represent the number of quarters
Twice as many nickels as pennies n = 2p
Value of the nickels =5(2p) cents.
1 fewer dime than nickels = d = n - 1 = 2p - 1
Value of the dimes = 10(2p - 1) cents
1 more quarter than nickels= q = n + 1 = 2p + 1
Value of the quarters =25(2p + 1) cents
Formulate an equation
p + 5(2p) + 10(2p - 1) + 25(2p + 1) = 825
p + 10p + 20p - 10 + 50p + 25 = 825
81p + 15 = 825
81p = 810
Divide both side by 81p
p =810/81
p = 10
Hence,
q = 2p + 1
q= 2(10) + 1
q= 21 quarters
Therefore the correct option is D.
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Roy leaves his pick-up truck at Sam's Auto service for an oil change. This is a: A. Bailment for the sole benefit of the bailor B. Bailment for the sole benefit of the bailee C. Mutual benefit bailment D. Not a bailment
Roy leaves his pick-up truck at Sam's Auto service for an oil change. This is a mutual benefit bailment.
A unilateral benefit bailment occurs when either the bailor or bailee benefits from the bailment while the other party does not. This situation may arise as a result of a gift or favor given by one party to the other.
A mutual-benefit bailment benefits both the bailor and the bailee. In general, a mutual benefit bailment is an enforceable contract because there is an exchange of value that drives the relationship.
The bailee has the right to possess the bailed item, to use it, to compensation, and may be entitled right to limited personal liability as well as indemnification even by bailor for potential liability arising from of the bailee carrying out her duties.
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A project manager joins a project that has the following features: -Globally distributed team -Budget that is fixed -Very tight deadlines During planning, what should the project manager do to avoid any scope creep and keep the team focused on delivering a product that meets requirements?
In order to prevent scope creep & keep the group concentrated on producing a product that satisfies criteria, the project manager, Organize a bidders' meeting with the service suppliers.
What you mean by a project?An project is just a set of tasks that must be finished in order to accomplish a specific goal. A project may alternatively been defined as a collection of outcomes and inputs necessary to accomplish a specific objective. Projects can be handled for one person or one thousand, they can be simple or complex.
What means project work?Work that is focused upon accomplishing a job is called project work. Project work typically requires a lot of resources, involving time, people, and materials, and it allows students to practice a variety of abilities and linguistic structures.
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which one of the following would likely be indicated by a notation next to a specific classification in an insurer's underwriting guidelines?
A. The authority for managing general agents to quote and bind coverage
B. The recommended rate that should be charged
C. The need for the underwriter to get management approval before proceeding
D. The maximum premium that can be charged
C. The need for the underwriter to get management approval before proceeding
Option (c), A note next to a particular classification in an insurer's underwriting standards is likely to serve as an indication that the underwriter must first obtain management approval before moving forward.
What does the underwriters' risk classification for life insurance entail?Super preferred, preferred, and standard are the three risk classes most frequently used by insurance firms. While the standards for each class are largely consistent from one organization to the next, there can be some variation in the details. The classification of applicants as substandard depends on whether they satisfy the requirements for these classifications.
What are the two varieties of underwriting contracts?Firm commitment agreements, best efforts agreements, mini-maxi agreements, all-or-nothing agreements, and standby agreements are a few of the several types of underwriting agreements.
What guidelines apply to insurance underwriting?Agents and underwriters of an insurer are governed by a set of standards and requirements known as the underwriting rules. When considering whether to accept, modify, or reject a prospective insured, the underwriter will use these rules as a guide.
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matt owns pic bar ranch and is looking to purchase the adjacent ranch. when he talked to his local lender, the lender offered matt a loan that will likely be backed by _____.
Matt owns pic bar ranch and is looking to purchase the adjacent ranch. when he talked to his local lender, the lender offered matt a loan that will likely be backed by Farmer Mac.
Who is a lender?
A credit facility that lends money to individuals personally is known as a lender. A broker does not give credit. An agent locates a lender. A broker could collaborate with many banks. One also should search to find the right loan conditions and the cheapest rates of interest and costs, whether you utilize a broker or a lender.
Congressional legislation created the Federal Agricultural Mortgage Corporation (FAMC), popularly known as Farmer Mac, in reply to the 1980s agriculture crisis in the United States. His statutory goal is to support the U.S. housing market's need for liquidity, security, and competitiveness.
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an employer agrees to pay $15,500 for medical insurance and contribute an additional 3% of the employees' $155,000 gross salaries to a retirement program. the entry to record these accrued benefits is: multiple choice credit to employee benefits expense $15,500. debit to payroll taxes expense $20,150. debit to employee retirement program payable $4,650. debit to medical insurance payable $15,500. debit to employee benefits expense $20,150.
Debit to Employee Benefits Expense $20,150.
When an employer pays for an employee's accident or health insurance the employer's payment is not wages and is not subject to Social Security Medicare and FUTA taxes or federal income tax withholding. Employer contributions do not have to be the same for singles and families and often are not.
When it comes to national averages employers typically pay an individual worker about 82% of their premiums and family members 70% of their premiums. Many health plans require patients to pay for a portion of the services they receive. This payment is called "co-insurance" and is usually a small percentage of service costs after the plan pays out the benefits. If the plan covers 70% of the cost the patient pays 30% of the cost.
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miranda is in school learning to be a welder. she spends long hours studying (and drinking coffee) and long hours practicing in the hot, dirty shop (and therefore takes frequent showers). miranda has $70.00 per month to spend on the soap and coffee she needs to function properly. in the accompanying graph, move the bc line to correctly depict miranda's budget constraint, assuming the soap costs $3.50 per bottle, and the coffee costs $14.00 per pound. if a point will not go where you want to put it, try placing the other endpoint there. then choose the best description of the lettered points according to whether they describe baskets of goods that are unaffordable, affordable and exhaust miranda's budget, or affordable with money left over.
Price of soap=3.5
Price of coffee=14
Income=70
Soap bought=0
Coffee bought=70/14=5
Coffee bought =0
Soap bought=70/3.5=20
coffee is a drink prepared from roasted coffee beans. Darkly colored, bitter, and slightly acidic, espresso has a stimulating impact on humans, in general, due to its caffeine content material. it is the most popular warm drink in the world. Seeds of the Coffea plant's culmination are separated to produce unroasted green coffee beans. The beans are roasted and then floor into exceptional particles that are typically steeped in warm water before being filtered out, producing a cup of espresso. it also includes served warm, although chilled or iced espresso is common.
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Remaining-Balance Method is a method of computing interest, with which, interest is calculated by multiplying the principal outstanding by the effective rate for the period in question. True/False
Remaining-Balance Method is a method of computing interest, with which, interest is calculated by multiplying the principal outstanding by the effective rate for the period in question. False
The difference between the future value of the initial loan amount (minor) and the future value of the annuity is represented by the remaining balance formula (diminutive). The value at time n if no payments were made is equal to the initial loan amount's future value.
The unpaid fraction of a loan, debt, or credit card balance is represented by the remaining balance. The loan's current outstanding balance is calculated using the remaining balance formula. For instance, this particular method can be applied to calculate the loan's total remaining balance. The value at a future time can be calculated using this formula in the present.
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sharing ____ updates is a useful tool for maintaining relationships within your larger network.
Sharing mass personal communication updates is a useful tool for maintaining relationships within your larger network.
Sending messages from the sender to the receiver is referred to as communication. There are therefore many different ways to transmit communications, and due to current technology, there have also been changes in how we interact with others. The media currently acts as a medium for the transmission of messages and information.
The mass personal communication approach combines interpersonal communication's ability to customize messages with mass communication's benefit of spreading information to a larger audience.
Therefore, mass personal communication is a very useful method to connect and communicate with the larger audience.
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the historical discount rate of the firm may be a good indicator of the appropriate discount rate to apply to the firm in the future, when all of the following conditions hold true except:
The discount rate is used to discount the future cash flows of a stock must be the equity cost of capital for the stock.
What is the discount rate's mathematical formula?The two basic formulas for calculating the discount rate are the weighted average cost of capital (WACC) and the adjusted present value (APV). The WACC discount formula is: WACC = E/V x Ce + D/V x Cd x, whereas the APV discount formula is: APV = NPV + PV of the impact of financing (1-T).
What does the discount rate for NPV imply?Either the cost of borrowing money or the anticipated rate of return for investors. If shareholders expect a return of 12%, the company will use that rate to calculate NPV. If the company pays 4% interest on its debt, it is permitted to use 4% as the discount rate.
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Trader wants to hedge a long stock position from short term downside risk. Which strategy best aligns to this goal? o Long straddle o Long strangle o Collar o Long call
The collar is the strategy that best aligns to this goal if Trader wants to hedge a long stock position from short term downside risk. Option C.
What is the collar in business?A collar strategy, also known as a hedge wrapper, enables an investor to lock in the investment's maximum gain and maximum loss. By buying shares, protective (out-of-the-money) puts, and simultaneously selling an out-of-the-money call option, an investor can build a collar.
A collar is an options strategy that comprises selling an upward call and purchasing a downside put and is used to limit significant upside gains while limiting large losses.
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