A pretexter is a person who calls your bank or other financial institution pretending to be you or someone else who is authorized on the account.
What is pretexting?
- Pretexting is the act of creating and using an invented scenario (the pretext) to engage a targeted victim in a manner that increases the chance the victim will divulge information or perform actions that would be unlikely in ordinary circumstances.
- An elaborate lie, it most often involves some prior research or setup and the use of this information for impersonation (e.g., date of birth, Social Security number, last bill amount) to establish legitimacy in the mind of the target.
- As a background, pretexting can be interpreted as the first evolution of social engineering, and continued to develop as social engineering incorporated current-day technologies. Current and past examples of pretexting demonstrate this development.
- This technique can be used to fool a business into disclosing customer information as well as by private investigators to obtain telephone records, utility records, banking records and other information directly from company service representatives.
- The information can then be used to establish even greater legitimacy under tougher questioning with a manager, e.g., to make account changes, get specific balances, etc.
- Pretexting can also be used to impersonate co-workers, police, bank, tax authorities, clergy, insurance investigators or any other individual who could have perceived authority or right-to-know in the mind of the targeted victim.
- The pretexter must simply prepare answers to questions that might be asked by the victim. In some cases, all that is needed is a voice that sounds authoritative, an earnest tone, and an ability to think on one's feet to create a pretextual scenario.
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The common denominator for decisions on service processes is customer contact while but for manufacturing processes, it is product variety.
<h3>What is a common denominator?</h3>
This refers to the feature that is shared by all members, item, quantity of a subject matter.
Hence, the common denominator for decisions on service processes is customer contact while but for manufacturing processes, it is product variety.
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Answer: Option (a) is correct.
Explanation:
Cheizza, a pizza vendor knows that the fresh cheese is the unique selling point for him. And because of this fresh cheese, the demand for his pizza is drastically increases. So, for meeting this demand, he have to purchase more cheese.
We know that cheese is made up from milk and milk is used as an input for the production of cheese. But milk is a raw material and limited in quantity to meet this demand.
Cheizza also knows that cheese is used in the pizzas, hence, if there is any changes in the supply of cheese, as a result it directly affects the demand for pizzas.
Therefore, there is a scarcity of resources in the form of milk.
Answer:
Price = $40
P/E ratio = 10 times
Explanation:
The formula to compute the price earning ratio is shown below:
Price-earnings ratio = (Market price per share) ÷ (Earning per share)
where,
Market price per share = Next year dividend ÷ (Required rate of return - growth rate)
Next year dividend equal to
= Earnings × (1 - plow back ratio)
= $4 × (1 - 0.30)
= $2.8
Growth rate is = 20% × 0.30 = 6%
And, the required rate of return is 13%
So, the market price per share would be
= 2.8% ÷ (13% - 6%)
= $40
Now the price earning ratio would be
= $40 ÷ $4
= 10 times
