The combination of factors that would result in the lowest monthly mortgagepayment is "Small down payment, a shorter term loan, and small interest rate". This has the lowest monthly mortgage since if we base our calculations on the relationship of the principal amount and the monthly payments, the lowest rate would be with low-interest rate, small down payment and short term loan. hope i helped
The transformation at Valpak involved the transition of the organization from a waterfall to an agile organization. The transformation is a successful example of how an organization can change for the better. This was as a result of the leadership of the company to reorganize the processes of the organization to make it agile
Answer:
legislative branch of government
In many ways, Lincoln's famous Emancipation Proclamation positively affected the Union’s Civil War efforts, since it demoralized the South and meant that any slaves who could escape their captors would legally be free, and many of them would then actively help the Union war effort against the South.
