<span>Human capital is the term that refers to the knowledge, education, training, skills, and expertise of a firm's workers.
</span>Gary Becker, an economist from the University of Chicago has popularized this term. <span> The human capital includes assets of individuals that can be used to create economic value for the individuals, their employers, or their community: </span>
I believe it's D. Freedom from car owner responsibilities. Mass transit or public transit enable to carry a bigger number of persons in one way transport. Thus, it helps the economy to grow at the same time, it saves energy since in just 1 transport a lot of people can already ride on it. Plus, it gives flexible door to door services
From my understanding, factoring is a specific transaction in which a business sells its invoices to a factor, which is a third party commercial financial company. This process is completed so that the business can get cash quicker than it would to wait for a customer’s payment. With factoring, a company will have more<span>more more flexibility because the funds are not restricted, rather than having to deal with a typical bank loan</span><span />
