It might be the Employees. Lol, not sure.
Solution :
Annual payment = 
1. The rate of interest annually = 12%
Present value 

= $ 18,023.90
2. The rate of interest annually = 12%
Present value 

= $ 20,186.75
3. The rate of interest annually = 12%
The rate of interest quarterly = 3%
Present value =



Answer:
Culture of a country can adversely affect the business
Explanation:
The culture of a country affects the costs of doing business in that country in the following ways -
a) In some countries, companies prefer to not work during the afternoon and hence they loose a large segment of business
b) Some countries entertain corruption practices and hence business do not flourish in such countries.
c) The pattern of working of government officials in a country affect the way in which an outsider entrepreneur is affected. The bad practices lower the ease of doing business and hence the business is lost
It is to be noted that the following question below is about a Trial Balance. This is a type of reconciliation book in Financial Accounting.
<h3>What is a Trial Balance?</h3>
Please, note that the original worksheet is not attached, hence the general answer.
This, in financial accounting, refers to the statements or records of all credits and debits in a double-entry accounting book which includes all errors or disagreements between figures and accounts.
Usually, all debit and credit columns sums must and should be equal to show that the account has been balanced.
See the link below about Trial Balance:
brainly.com/question/24914390
Answer:
integrated programs are usually way more effective than programs that are not integrated
Explanation:
According to my research on different marketing techniques, I can say that the efforts need to be integrated because integrated programs are usually way more effective than programs that are not integrated. This is because integrated efforts will reach a wider audience which will lead to more sales.
I hope this answered your question. If you have any more questions feel free to ask away at Brainly.