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2 years ago

According to the Not Too Big Enough article, what are some of the sources of scale economies in

1 answer:

7 0

According to the "Not Too Big Enough" article, some of the sources of scale economies in the banking and finance industry are as follows:

1. Bigger banks can spread their investment (fixed) costs over more output, thereby reducing the cost per unit and making it impossible for smaller banks to compete in the market. Most often, the smaller banks cannot afford investments in modern banking computing power and systems management.

2. Bigger banks can consolidate banking functions with the elimination of redundancies after each merger and acquisition. The cost of redundancies also gives them economies of scale.

3. Bigger banks have access to larger pools of deposits and will not engage in borrowing at higher costs. Smaller banks cannot tow this line because of their small scale, lacking the required funding mix.

4. Finally, advertising works best where a bank has a large geographic spread. The cost of advertising over a large area is worth it, unlike when a small bank markets its services by advertising.

2. These economies of scale mean that Oligopolies are increasing on Wall Street, and there will be further consolidations of smaller banks. Of course, every small bank would like to engage in mergers and acquisitions to grab a share of the scale economies.

Thus, as banks grow large, they should be mindful that enjoying the scale economies comes with the risk of crumbling like the banks regarded as "too big to fail" when they build on a pack of cards.

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Your body uses minerals for many different jobs, including __________. (select all that apply.)

yan [13]

Your body uses minerals for many different jobs, including building bones

making hormones regulating your heartbeat

Hormones are molecules that are created and released by specific glands to regulate and govern the functioning of particular cells and organs. The term "endocrine glands" refers to these specific glands.

Hormones are chemicals that, as was already mentioned, effectively serve as the body's messengers. Specialized glands called endocrine glands release these substances. Hormones all over the body, these endocrine glands are located. These messengers regulate a variety of physiological processes as well as psychological wellbeing. In preserving the body's homeostasis, they play a significant role.

Protein hormones are soluble in water and made of amino acids. Since the cell membrane is made up of a phospholipid bilayer that prevents any fat-insoluble molecules from diffusing into the cell, peptide hormones cannot flow through it.

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7 0

1 year ago

Men who tried the Gillette Fusion razor were so satisfied with it that 60 percent of them adopted the product permanently. Men w

Reptile [31]

Answer: Repeat

Explanation:

When the customers are adopting the product permanently and use in their daily life routine then, they known as the repeat purchasers. The repeat purchaser basically purchase the products very frequently.

The process of repeat purchasing basically indicate that the customer loyalty towards the particular brand and it maintain the customer relationship.

Therefore, if more than 60% of men purchasing the product Gillette fusion razor then they known as the repeat purchaser as they adopted the given product permanently.

6 0

3 years ago

Zinc, Inc. has 10,000 shares of $5 par, 5% preferred stock, and 5,000 shares of $10 par common stock issued and outstanding. If

Anna11 [10]

Answer:

A. 2500

Explanation:

10,000 shares x $5 x .05= 2500

8 0

3 years ago

Which of the following statements is true?

OlgaM077 [116]

Answer:

These statements are true:

A) The Federal Reserve does not set the Federal funds rate, but it influences it through the use of open market operations:

For example, at the very moment the Fed funds rate is 1.75%. If the Fed wanted to raise it to 2%, it would have to do so through the use of open market operations (in this case, because it wants to raise the rate, it would have to sell securities in order to reduce the money supply).

C) The Federal Reserve sets the target for the Federal funds rate, and then uses the reserve ratio to push banks toward that target.

Reserve requirements are perhaps the most powerful, and least often used, monetary policy tool that the Fed has at its disposal. It is very powerful because it directly increases or decreases the money supply.

For example, if the Fed wants to increase the fed funds rate, it can raise the reserve ratio so that banks keep more money in reserves, have less money to loan, and in consequence, create less money, causing the money supply to shrink and the fed funds rate to rise accordingly.

D) The Federal Reserve sets the Federal funds rate.

Correct. More specifically, the Federal Open Market Committee, which meets eight times a year to set the target for the fed funds rate.

3 0

2 years ago

To compare two programs for training industrial workers to perform la skilled job, 10 workers are included in an experiment. All

Alex17521 [72]

If we compare the p value and the significance level assumed we see that so we can conclude that we have enough evidence to reject the null hypothesis, and we can conclude the the true mean for method 1 is lower than the mean for the method 2 at 5% of significance.

<h3>Data given and notation</h3>

We can calculate the sample mean and deviation with these formulas:

represent the mean for the sample mean for 1

represent the mean for the sample mean for 2

represent the sample standard deviation for the sample 1

represent the sample standard deviation for the sample 2

sample size selected 1

sample size selected 2

represent the significance level for the hypothesis test.

t would represent the statistic (variable of interest)

represent the p value for the test (variable of interest)

State the null and alternative hypotheses.

We need to conduct a hypothesis in order to check if the average time taken when training under method 1 is less than the average time for Method 2, the system of hypothesis would be:

<h3>Null hypothesis:</h3>

Alternative hypothesis:

If we analyze the size for the samples both are less than 30 so for this case is better apply a t test to compare means, and the statistic is given by:

(1)

t-test: "Is used to compare group means. Is one of the most common tests and is used to determine whether the means of two groups are equal to each other".

Calculate the statistic

We can replace in formula (1) the info given like this:

P-value

The first step is calculate the degrees of freedom, on this case:

Since is a one sided test the p value would be:

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5 0

1 year ago