Answer:
the rate of return is 8.41%
Explanation:
given data 
Present value = $120,000
Future value = $0
PMT = $15,000
NPER =12 years
solution
We will applied the rate formula that is.
The NPER  reflects the time period.  
and formula is that 
NPER = Rate(NPER;PMT;-PV;FV;type)
so we get here 
the rate of return is 8.41%
 
        
             
        
        
        
A large conglomerate is deciding on the range of new products and services it can offer to its customers to further expand its operations. This decision determines the firm's
        
             
        
        
        
Answer:
c. Status Update and Announcements
Explanation:
By keeping customers up-to-date with the recent development and also making announcements in your business the customer will be carried along properly in other to create a continuous and long lasting customer relationship.
For example: Social media or mailing notifications - updates are being passed across through selected means to customers before logging in into the platforms which has lead to the increase and continuous use of both platforms effectively. 
 
        
             
        
        
        
Answer:
<u>Quality of life is a hidden variable because it cannot be measured directly but must be inferred from measurable variables such as wealth, success, and environment.
</u>
Explanation:
<u>Hidden variable:</u> The term "hidden variable" is described as the proposition that specific "statistical models" of any physical systems, for example, Quantum mechanics are being incomplete inherently, and along with this the apparent randomness of a particular system is being dependent not on "collapsing functions" but instead it is due to any unmeasurable or unseen or hidden variables.