Answer:
Openness
Explanation:
Travis is willing to take chances with his health to get the adrenaline rush from these sorts of sports because of his openness to new experiences.
People who are open to new things and enjoy new experiences have their personality classifications under openness. Openness involves having insights, being imaginative and having lots of interests.
The answer is negative reinforcement. It is a word termed by B. F. Skinner in his theory of operant conditioning. In negative reinforcement, a reaction or performance is reinforced by ending, eliminating or evading a negative consequence or aversive provocation.
You are complying with the norm of reciprocity. The norm of reciprocity is a type of social norm that requires a person to understand the need to respond other person's favor by returning the benefits given from that favor. This type of norm is being studied by the organization. The organization uses the perceived organizational support and perceived psychological contract violation for the measuring tool<span>.</span>
Answer:
1. False
The higher the figure, the higher the risk. Kindly note that loans are usually insured against default. The higher the amount insured, the higher the premium payable as insurance on such amounts.
2. False
It does not make for good internal control to have one person regardless of their position to have the final say on loans of great magnitude such as $5 Million. This can quickly degenerate into a situation where the officer involved is tempted to abuse that power. It makes for good corporate governance and risk management to ensure that the board is responsible for loans of such magnitude.
3. True
If a bank lost $100 in a thousand places, from loan default, that translates to a loss of $100,000. This relatively is large however it is small and will have less impact that a loss of a million dollars in 3 places. That's $ 3,000,000.
As already indicated, it makes for good loan disbursement governance, to ensure that there is at least two persons involved in the risk acceptance criteria (RAC) evaluation and loan disbursement process.
4. False
Separation of duties is the foundation of good internal control. It allows for greater objectivity. It is also key to carefully select signatories to loan disbursements. They have to be people of impeccable character and the company must exercise proper risk management to ensure that every protocol such as opportunity that may create the impulse or inclination to breach policy is removed completely.
Cheers!
Answer: $12 billion
Explanation:
Given that,
Required reserve ratio (rr) = 25 percent
Fed purchases government securities = $3 billion
Money multiplier = 
= 
= 4
Lending ability of the commercial banking system will increase by:
= Money multiplier × Increase in Fed purchases
= 4 × $3 billion
= $12 billion
