A person who doesn't lock doors or fix leaks presents morale hazard.
<h3>What is morale hazard?</h3>
It refers to an unconscious attitude of an individual who is indifferent to the loss of their personal property that is covered by insurance, since the insurance could cover the damages that have occurred.
Therefore, morale hazard is the change in behavior that comes from the subconscious, generating indifference about the loss of goods because they are covered by insurance.
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Of course not. Equal pay for equal work is a constant struggle for our society.
Answer:
$16,810
Explanation:
Given;
Initial cost = $211,600
No cash produced for first 3 years
cash inflows of $151,000 a year for three years
Discount rate = 18.6% = 0.186
Now,
Year Cash flows Present value factor Present value of cash flows
0 $211,600 1 $211,600
1 $0 0.843 $0
2 $0 0.711 $0
3 $0 0.599 $0
4 $151,000 0.505 $76,255
5 $151,000 0.426 $64,326
6 $151,000 0.359 $54209
Total Present Value of cash flows (year 0 - (year 1 to 6))
= $211,600 - ( 0 + 0 + 0 + $76,255 + $64,326 + $54209 )
= $16,810
Thus,
Net present value of the project is $16,810
Note:
Present value factor =
Here,
r is the discount rate
n is the year
Present value of cash = Cash flow × Present value factor
The answer is either B or D
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