The steep increase in college tuition and student debt over the past decade has led our country to engage in a serious debate about the need to reduce college costs and student borrowing. Yet many misconceptions remain about the scope or magnitude of the problem that student debt poses to our national economy and student debtors’ financial security.1,2 More than 44 million Americans, or nearly 1 in 5 adults, now carry student debt. That share is even higher among millennials, one-third of whom have student loans.3 And the burden of carrying student debt isn’t borne equally— today more than half of African American households under age 40 have student loan debt.4 Student debt has negative impacts for many borrowers; studies show that student debtors have less savings, more difficulty purchasing homes, and less retirement savings.5 However, student debt is particularly damaging for individuals who struggle to repay their loans: borrowers who are seriously delinquent on their payments or who default on their loans. Delinquent borrowers are saddled with fees, penalties, and rapidly-accumulating interest; borrowers who default on their loans face ruined credit and a debt often several times their original loan balance. Even worse, they cannot even turn to bankruptcy for relief from their loans, unlike most other kinds of debt, and face a debt collection process that is often punitive and draconian
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Answer: Tim's managerial attitude reflects the assumptions underlying Theory Y
Explanation:
There are two theories of enterprise management by McGregor which he named Theory X and Theory Y.
Theory X management is authoritarian style and Theory Y allows participation of the employees so it's participative.
Usually when a manager feels that people love their work and take it as a positive challenge then they will apply participative management style. There is usually an established trust amongst the employees and the manager that he can delegate work to them and know they will do it as they should. There is encouragement for employees to grow or improve and they always get this from the manager just as Tim is doing to encourage his subordinates to meet unit and company goals, he instituted quality circles.
There is collaboration, promotions and room for growth which is highly encouraged by the manager under this management style.
Answer:
7
Explanation:
Based on the information provided within the question it can be said that in this scenario, in order to be able to achieve board independence De Bruyne needs to appoint 7 shareholders. This would even out the amount of non biased votes within the board members and allow the board to achieve independence from the company itself.
Answer: Hello, the 1st box is the cerebrum. the medulla oblongata is on the very bottom, the midbrain is in the middle, the cerebellum is the 3rd box to the right
Explanation:
Answer:
Genetic variation can be caused by mutation (which can create entirely new alleles in a population), random mating, random fertilization, and recombination between homologous chromosomes during meiosis (which reshuffles alleles within an organism's offspring).
