Cultural heterogeneity corresponds to cultural identity disparities linked to, say, gender, race, language, customs, faith, sense of space and many other cultural issues. These differences can make communication, trusting and cooperating with each other, complicated for people. As per the question Amy's contradictory behavior to her cultures is an example of cultural heterogeneity.
With a float, credit theft is much more difficult because the key to unlock the encrypted information is a pin. Float means money supply. The act of moving a currency to a floating exchange rate can be referred to as float.
Predictive validity is one approach of criterion validity that predicts individual performance on some measure scores administered at a later date. The judgement of being conscientious came from an accumulated observation of the individual attendance over time which clearly illustrate predictive validity.
