Option D
Executive management, IT security policy enforcement monitoring, and human resources, all must have a unified front regarding the disciplinary treatment of policy violations.
<u>Explanation:</u>
Provoked by the probability of forbearance, several organizations are hurrying to execute compliance-based ethics plans. Composed by a corporate barrister, these plans aim to anticipate, recognize, and fix constitutional violations. Such plans serve to highlight the repression of illegal behavior, essentially by building inspection and authority and by inflicting fines for sinners.
Administrators must consistently execute measures through relevant disciplinary actions; react competently when the offensive is identified; and, eventually, take sensible actions to stop the phenomenon of comparable sins in the eventuality.
<h3>
Answer: A. competition among producers</h3>
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Explanation:
Competition reduces prices while also increasing the quality of the product or service. Companies that don't do such things will likely be out of business since the customer can go elsewhere for a better experience. The more competition, the better consumers are off.
In contrast, monopolies are bad for consumers because one company can set the price to whatever they want (to a certain level of course) and the customer has no choice to pay that price. The customer does not have any other option so the company is in full control. This leads to decline in quality because quality is often associated with cost. Safety standards may decline as well. So this is why monopolies are not good for the customer. In cases where there are monopolies, such as with power utilities, it is strongly advised that government regulations are put in place. This way the company doesn't completely exploit the customer.
In short, we can eliminate choice D because it runs counter to choice A.
Choice C can also be eliminated because if you had a decrease in supply, then the price of the product is likely to go up if you hold other factors in check (such as keeping the same level of demand). Higher prices do not benefit consumers unless those consumers had an equal or better wage increase.
A raise in interest rates means that it becomes more expensive to borrow money. For example, a raise in interest rates means that mortgage rates go higher. This negative is slightly counterbalanced with the fact that savings accounts interest rates go up as well. Overall, I think a rise in interest rates means that consumers ultimately pay more, so we can cross choice B off the list as well.
1700- the land was not very explored yet. There was a permanent mission in Baja California (today Mexico) but nothern California was claimed by Spanish, but not too explored yet.
1821- that's when Mexico had it, it's Mexico's independence year!
1846- In june and July- the California Republic!
1850- from September 9th it belonged to the States.
Truth in Lending Act is the federal law that requires the cost of credit be disclosed to consumers in bold print on loan agreement
<h3><u>
Explanation:</u></h3>
The Truth in Lending Act (TILA) passed in 1968 to take care whether the consumers are treated fairly by revealing about the true cost of credit. The credit documents should be made very clear to the consumers. It does not place limitations on banks about how enough interest they may impose or whether they must give a loan.
This TILA statement includes annual percentage rate, schedule of payment and finance charges and the repayment within loan lifetime. Regulation Z is alternative name for Truth in Lending Act. Both the terms can be used in all aspects of lending and credit card purposes.
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