the act was enacted as a response to the rising level of unsecured consumer debt.
The Credit CARD Act was passed as a reaction to the rising amount of unsecured debt held by consumers.
An unsecured debt is what?
Unsecured debt is a type of obligation when the amount owed is not supported by any assets or property. It is secured debt viewed in reverse.
When the interest rate on credit card payments raised retrospectively in 2009, the Credit CARD Act was introduced.
The Act was started to stop this surge, which was thought to be the result of credit card corporations' deceptive practices.
It was one of several laws designed to protect credit card holders from the unethical business practices of credit card companies.
There are strict terms and conditions for businesses to go with, along with restrictions on the interest rates that can be charged.
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What are the 3 main types of taxes?
All taxes may be broken down into three categories: taxes on your purchases, taxes on your income, and taxes on your assets. When purchasing the majority of products, services, consumers must pay sales taxes.
What are three examples of direct taxes?Individual income taxes, corporate income taxes, capital gains taxes, estate taxes, and property taxes are examples of direct tax.
What is input tax?A delivery of goods or services or perhaps both made to a registrant may be subject to the following taxes: the central tax (CGST), the state tax (SGST), the integrated tax (IGST), or the union territory tax (UTGST). It also comprises integrated tax, merchandise and services tax payable on imports of items, as well as tax paid on a reverse charge basis.
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What state has highest revenue?
California had the highest tax revenue of any state, totaling 248.19 billion US dollars.
What is major source of revenue for states?The majority of the state's tax revenue is generated by sales and income taxes.Their primary sources of revenue are sales taxes, property taxes, and federal funds transferred to state and municipal governments. Corporate taxes are collected by state and local governments.It should be noted that a tax is simply a levy paid by individuals and businesses to the government.Property taxes, sales taxes, and income taxes are all collected by state and local governments. Property taxes are a major source of revenue for local governments, including school districts, whereas income and sales taxes account for the vast majority of state tax revenue.To learn more about revenue refer to :
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What is the relationship between the ask phase of the data analysis process?
During the question phase, data analysts examine the current situation and note how it differs from the ideal situation. Relationship between the data analysis process's requesting phase and the data life cycle's planning phase:
data analysts is crucial in the modern, technological environment. Data goes through a several phases/stages as it is created, consumed, tested, handled, and reused for as long as it can remember. Data transformation and verification are topics Relationship by the data life cycle; data analysis uses the knowledge discovered by the data. The stages that data goes through during its useful life are covered by the data life cycle; data analysis is the process of evaluating data.
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erica is analyzing the shares of songatikamascompany. the company currently pays a dividend of $2.50. she believes the company has a new product that will result in supernormal growth of 20% for two years. once the market for this product is saturated, she expects the songatikamas? growth will fall to 3%, which is equal to the level of world economic growth. erica determines that the required return on songatikamasshould be 12%. what is the value of songatikamas? shares?
erica is analyzing the shares of songatikamas company. the company currently pays a dividend of $2.50. she believes the company has a new product that will result in supernormal growth of 20% for two years
the value of songatikamas Div 3 = 3.708
Div 3 = Div0*(1+g1)^2*(1+g2) Div0 = 2.5 g1 = .20 g2 = .03 Div 3 = 2.5*((1+.20)^2)*(1+.03) Why do you use the term shares?
Shares are fractional ownership interests in a corporation. For some businesses, shares are a type of financial instrument that allows for the equitable distribution of any declared residual profits in the form of dividends. A stock with no dividend payments does not distribute its income to its shareholders.
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what are the three steps for correcting an amount posted to an incorrect column?
The three steps to fix an amount that was put to the wrong column are:
In the column where you uploaded it wrongly, put a line through the incorrect item.
note the accurate amount being posted in the column.
Recalculate the account's overall balance.
What Is a Balance in an Account? The amount of money held in a financial institution, such as a savings or checking account, at any particular time is known as the account balance. The net amount after taking into account all debits and credits is always the account balance.What is the balance?
The balance is the sum of money owed (or due) on an account in banking and accounting. The term "balance" in bookkeeping refers to the difference between the total of debit entries and the total of credit entries made into an account over the course of a certain financial period.
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What do you mean by integral development?
Integral development is the general name given to a host of policies that work in tandem to foster sustainable development in both developing and underdeveloped countries.
A guiding precept in sustainable improvement is preserving the ability of herbal structures to preserve offering the herbal sources and surroundings offerings which are critical to the financial system and society.
'Development that satisfies the necessities of the prevailing technology without compromising of destiny generations to satisfy their very own needs' is how the Brundtland Report of 1987 described sustainable improvement. As the concept of sustainable improvement evolved, it shifted its emphasis greater in the direction of the safety of the surroundings for destiny generations in addition to the financial and social development of society.
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The primary concern for investors who use a buy-and-hold strategy to maintain their portfolios is?
The primary concern for investors who use a buy-and-hold strategy to maintain their portfolios is to ensure that their portfolio remains diversified and balanced.
To do this, investors must regularly assess the performance of their investments and make sure that they are still in line with their goals and risk tolerance. This involves monitoring asset allocations and rebalancing their portfolios when necessary. It also involves researching the underlying investments and making sure they remain sound and have good prospects for the future. Lastly, investors need to stay informed on current market conditions and make adjustments as needed to keep their portfolios in line with their long-term goals.
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A customer contact audit is done by
A flowchart of the points of contact between the client and the provider is made during a customer contact audit. A flowchart is a diagram that shows a process' individual steps in their proper order.
It is a general tool that may be customized for a wide range of uses and used to define a variety of processes, including a project plan, an administrative or service process, or a manufacturing process. It is one of the seven fundamental quality tools and a typical tool for process analysis. An activity sequence, materials or services entering or exiting the process (inputs and outputs), decisions that must be taken, participants, the amount of time required at each step, and/or process measurements are examples of elements that may be included in a flowchart. to gain knowledge of how a process is carried out.
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What will happen if consumers expect that the price of a good will increase in the near future?
In the event that consumers anticipate price increases in the future, they will want more now.
How Much Quantity Is Required?A good or service's total quantity demanded during a specific period of time is referred to in economics as the quantity demanded. Whether a market is in equilibrium or not, it depends on the cost of an item or service. The demand curve—or just "demand"—is the connection be demand is the measure of how much the amount required alters in response to price.
Price and Demand Have an Inverse Relationship How?The quantity that consumers desire in a market is determined by the price of a commodity or service. A higher price causes a lower amount demanded, while a lower price causes a higher quantity demanded, assuming that non-price elements are taken out of the equation. As a result, the law of demand states that there is an inverse relationship between the price of a good and the quantity demanded for it.
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What key value does Accenture's myConcerto bring to clients looking for automated solutions Mcq?
MyConcerto can help to lower risk, boost ROI, and quicken time to value by
value tracking and analytics are used to provide information about what is and is not functioning.expanding the capabilities of your employees and pushing the limits of what technology can offer so they can work more efficiently.establishing a continuous innovation culture using Accenture's resources.Accenture has unveiled Accenture myConcerto, an insight-driven, integrated platform that enables businesses to improve their capacity for innovation, amp up their financial performance, and quicken the process of becoming intelligent enterprises.
Accenture myConcerto (formerly known as the Accenture Intelligent Enterprise Platform) brings together Accenture's most disruptive ideas around industry, innovation, and technology to deliver greater business value more quickly and easily. It is already in use with more than 60 clients across the globe using SAP solutions.
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excess inventory is one approach to insure against supply chain uncertainty. group of answer choices true false
Excess inventory is not one way to protect against supply chain unpredictability. Safety stock inventory, also known as buffer stock, is the amount of excess stock kept on hand to reduce the danger of running out of raw materials.
A safety stock is an additional quantity of a product that is kept in the warehouse to avoid an out-of-stock situation. It acts as a hedge against swings in demand. A safety stock is an additional quantity of a product that is kept in the warehouse to avoid an out-of-stock situation. It acts as a hedge against swings in demand. Safety stock protects you from unexpected demand increases and erroneous market estimates that might occur during a busy or festive season. It acts as a buffer when the things you bought take longer than expected to arrive at your warehouse.
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Producers of a strong brand sometimes sell it to dealers only if they will take some or all of the rest of the line. This is called _____.
co-optation
arbitration
channel power
full line forcing
coercive power
Producers of a strong company once in a while sell it to dealers only if they will take some or all of the relaxation of the line. This is called full line forcing.
What makes a manufacturer a robust brand?Having a robust brand is all about consistent and recognizable enterprise expressions; to provide now not only merchandise and services however additionally meaning. In many ways, a sturdy company is the nucleus of a company's success and is the end result of an high-quality brand strategy
What are the four factors of a strong brand?These are the four essential company factors that you will need to address when creating your manufacturer strategy. A strong manufacturer requires a robust manufacturer identity, company image, manufacturer culture, and company personality.
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https://brainly.com/question/25280665#SPJ4what did gatsby do to impress daisy? question 9 options: he gave her a pearl necklace worth $500,000. he showed her his house and elegant clothes. he took her for a ride in his hydroplane. he showed her the love letters he had written her, but never sent.
Gatsby tried to impress Daisy by showing her his mansion and his expensive clothes. The appropriate response is choice (2).
Describe 'The Great Gatsby'.The Great Gatsby is a book that was written by American author Scott Fitzgerald and released in 1925. The book's first-person narrator, talks about his interactions with the mysteriously wealthy Jay Gatsby and his preoccupation with finding his past lover Daisy Buchanan. The story takes place in Long Island, a neighborhood of New York City, during the Jazz Age.
In Jazz Age New York, it depicts the tragic tale of self-made millionaire Jay Gatsby's pursuit of Daisy Buchanan, a wealthy young woman he once loved.
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A manager notices that food handlers are eating their lunch behind the cooking line. The manager should:
A manager notices that food handlers are eating their lunch behind the cooking line. The manager should: conduct training on where food handlers can eat
A manager is a professional who leads an organisation and manages a team of employees. Managers are frequently in charge of a specific department within their company. There are various types of managers, but they alal have responsibilities such as conducting performance reviews and making decisions. A manager plays an important role duty is to devise a strategy to accomplish the company's goals and objectives. This includes assigning employment funding and delegating accountabilities, as well as establishing realistic completion timelines and standards.
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label the structure of the bones
The basic structure of the bones is the bone matrix, which constitutes the underlying rigid structure of the bones,composed of both compact bone and cancellous bone.
The bone matrix consists of tough protein fibers,mainly collagen,which become hard and rigid due to mineralization with calcium crystals. Osteoblasts and osteocytes, responsible for creating bone,osteoclasts or bone resorption cells,osteoid,a mixture of collagen and other proteins, inorganic mineral salts within the matrix,nerves and blood vessels, bone marrow,cartilage.Bone is a mineralized connective tissue that has four types of cells osteoblasts, bone lining cells, osteocytes, and osteoclasts. Bone performs important functions in the body,such as locomotion,soft tissue support and protection, calcium and phosphate storage,and housing for bone marrow.
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What is kanban in agile?
The Japanese word "visual card" or "signboard" is kanban. The visual and physical signalling system that connects the entire Lean manufacturing agile system is known at Toyota as Kanban.
The Japanese word "visual card" or "signboard" is kanban. The visual and physical signalling system that connects the entire Lean manufacturing system is known at Toyota as Kanban. Kanban has been utilised in lean production for more than 50 years. It is currently being updated for various disciplines, such software.
Anderson outlined five essential elements of every successful Kanban technique implementation. Make process policies explicit, manage flow, limit work-in-progress, visualise the workflow, and improve collaboratively.
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mast company reports net income of $315,000 for the year ended december 31. it also reports $98,900 depreciation expense and a $10,600 loss on the sale of equipment. its comparative balance sheet reveals a $42,600 increase in accounts receivable, a $10,800 decrease in prepaid expenses, a $16,200 increase in accounts payable, and a $13,300 decrease in wages payable. calculate the net increase in cash for the year.
The net rise in cash for the year, according to the question, is 3,92,700.
What are payments in cash?Cash payments are made to the provider of services or products by the recipient in the form of coins or notes. It may also entail paying employees within a company for the hours they worked or compensating them for tiny expenses that are too little to have processed through the account receivables system.
Briefing :The net increase in cash for the year is $3,92,700
Cash Flow from Operating Activities:
Net Income $3,15,000
Reconciliation of income statement to cash reserves from operating activities adjustments:
Depreciation ($14800 - $10500) $93,700
Loss on sale of equipment $10,600
Increase in Accounts Receivables -$42,600
Decrease in prepaid expenses $10,800
Increase In Accounts Payable $16,200
Decrease In wages payable -$13,300
Net Cash Flow from Operating Activities $3,92,700
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Question 1 Which of the following best define a customers "wants"?
O States of felt deprivation such as hunger
O core values and morals
O a need that is backed by buying power
O a specific company's combination of products, services, information, or experiences offered to a market.
O needs that have been shaped by society and personality
Question 2 Companies that define their missions in terms of products or technologies are considered myopic primarily because
O products and technologies result in low returns on investment
O consumer preferences with regard to products and technology are difficult to predict
O consumer preferences for different product categories vary from time to time
O products and technologles eventually become outdated
O most consumers are not comfortable using sophisticated technology during the buying process
Question 3 Which of the following is a characteristic of customer-driven marketing?
O Companies understand customer needs even better than customers themselves do.
O Customers are unaware of their needs.
O Products are created that meet both existing and latent needs, now and in the future,
O Customers know what they want. Customers don't know what is possible.
Question 4 Which of the following uses a customer-centered "sense-and-respond philosophy rather than a product-centered "make-and-seil philosophy?
O market segmentation
O the production concept
O the marketing concept
O the inside out perspective
O marketing myopia
Companies are viewed as myopic if they define their missions in terms of products or technologies, mainly because these things eventually become obsolete.
No shortage of things are lauded as "revolutionary" or "completely transformative" when they are first released. Sure, every firm that introduces a new device into the world likes to think that its cutting-edge design and sophisticated new production method will fundamentally alter the way we interact with technology in the future. They do, however, naturally believe this because it occasionally occurs. The seven different product categories are: Luxury or premium goods. unwelcome goods. NicheProducts. Commodities. preferences of consumers. Convenience items. complementing products. Electronic, mechanical, medicinal, industrial and manufacturing, and tool technologies are five examples of different forms of technology.
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kansas enterprises purchased equipment for $73,500 on january 1, 2021. the equipment is expected to have a ten-year service life, with a residual value of $6,150 at the end of ten years. using the straight-line method, depreciation expense for 2022 and the book value at december 31, 2022, would be:
Based on the given information, using the straight-line method, the depreciation expense for 2022 and the book value on December 31, 2022, would be $6,735 and $ 60,030 respectively.
What is depreciation?The expected decline in the worth of an investment property over the course of a financial year is represented by depreciation. To perform a calculation (Cost of an Asset - Residual Value)/Useful Life is the formula for the straight line depreciation method.
To calculate depreciation expense using the straight-line method
Depreciation expense = (($73,500 − $6,150) /10) = $6,735
To calculate book value using the straight-line method
Book value = $73,500 - (2*6,735)
=$73500- 13470
= 60, 030
The depreciation for the year 2022 is $6,735 and the book value on December 31, 2022, would be $ 60, 030.
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an equipment purchased last year is an example of a(n): a. avoidable cost b. differential cost c. sunk cost d. relevant cost
An equipment purchased last year is an example of a sunk cost.
Sunk costs are expenses that have already been paid for and cannot be retrieved. No matter what actions are taken in the future, the cost has already been incurred and cannot be changed. These costs attempt to explain why people are unwilling to just give up anything they have previously invested in, leading them to continue making investments even when they cannot recover their initial costs.
Equipment purchased last year is an example of a sunk cost as it is a past cost that has already been incurred and cannot be recovered. For example, if a company purchased equipment last year for $175,000, that cost is a sunk cost because it has already been paid and cannot be recovered. The company cannot change the fact that it paid $175,000 for the equipment, no matter what it does going forward.
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you want to have $5,000 by the time you finish college in 3 years. how much money should you deposit each quarter for the next 3 years into an account paying 8% per year compounded quarterly so that you can have $5,000 when you finish college? a) $368.80 b) $372.80 c) $370.80 d) $369.80 e) $371.80 f) none of the above.
The Annuity = 372.79. The required answer is option (b).
What is Quarterly Compounding?The practise of calculating the income accrued quarterly on a deposit account or investment, estimated based on the principle amount principal and interest earned for prior periods, is known as quarterly compounding. The term "compounding quarterly" describes the amount of interest that is earned on a bank account or investment on a quarterly basis when the cash is also recycled.
n = 3 years adjusted for quarterly compounding =3*4=12
r = 8% adjusted for quarterly compounding =0.08/4 =0.02
[tex]FV_{OA} = Annuity*\frac{(1+r)^n-1}{r}[/tex]
[tex]5,000 = Annuity*\frac{(1+0.02)^{12}-1}{0.02}[/tex]
5,000 = Annuity*24.2973698
5,000 = Annuity*13.41208973
Annuity = 372.79
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What are the 4 steps in the process of stakeholder analysis?
Identification of the stakeholders, clarification of the interests and influence of stakeholders, agreement on the process of interaction between stakeholders, and management of the relationship with stakeholders are the four steps in the stakeholder analysis process.
Stakeholder analysis should be done carefully. It is a crucial factor in determining how effectively a project may be carried out and how effectively it is anticipated to produce outcomes. Your project is guaranteed to succeed if you have the correct internal and external stakeholders working in your favour.
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What is the impact of integrating IT in a company organization?
In order to compete successfully, businesses can use IT integration to make the most of their current processes, personnel, technology, and information. Businesses that lack integration, on the other hand, frequently lament major cost increases and resource use.
Organizations in the modern era are driven by business integration, which is a major growth driver. The organization's energy usage will be decreased by a well-integrated system, which also makes it possible to dig deeper into crucial customer data. Therefore, in order to connect various business operations, firms of today are integrating with various platforms.
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What does a barter economy rely on?
A barter economy relies on goods as a primary medium of exchange for trade of other goods and/or services.
A barter economy can be referred to or considered as a form of economy wherein the use of money is completely nonexistent. However, the exchange of goods is done through some other goods.
There are certain discrepancies and irregularities in store and measure of value of goods in a barter economy. It also does not lead to creation of artificial demand in the economies. Such economies are not in relevance around the world currently.
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What are 2 major benefits that have resulted from NAFTA?
NAFTA boosted alternate by means of casting off all tariffs among the three countries. It also created agreements on global rights for commercial enterprise investors. That decreased the price of commerce. It spurs funding and growth, specifically for small businesses.
What three nations benefited from NAFTA?The North American Free Trade Agreement (NAFTA), which used to be enacted in 1994 and created a free exchange quarter for Mexico, Canada, and the United States, is the most essential feature in the U.S.-Mexico bilateral industrial relationship.
What did NAFTA accomplish?North American Free Trade Agreement (NAFTA), controversial trade pact signed in 1992 that gradually eliminated most tariffs and different trade obstacles on merchandise and offerings passing between the United States, Canada, and Mexico.
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https://brainly.com/question/644093#SPJ4How do I track Profit and Loss in QuickBooks Online?
To track Profits and Losses in QuickBooks Online, we should go to the tile called Profit and Loss. Then Hover over the net income amount on the tile, at the very top and click the net income amount.
Profit or what we also know as profit is something that describes the financial benefits that are realized when the income generated from business activities exceeds the costs, fees and taxes involved in supporting the business activity concerned. Any profits made are funneled back to the business owner, who chooses to either pocket the cash or invest it back into the business. Profit is calculated as total revenue minus total costs.
The three main types of profit are gross profit, operating profit, and net profit - all of which can be found on the income statement. Each type of profit provides analysts with more information about a company's performance, especially when compared to other competitors and a specific period.
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At issue in a particular city vote is how much to spend, per person, on city parks next year. Among the 10,000 voters, 1000 prefer to spend $30 per person, but no more; 3500 prefer to spend $45 per person, but no more; 2,500 prefer to spend $80 per person, but no more; and 3000 prefer to spend $150 per person, but no more.
As per the given transactions, median voter will vote to spend $30 per person and the voting outcome will be $1590 per person.
The term transaction in economics is a completed agreement between a buyer and a seller to exchange goods, services, or financial assets in return for money.
Here we have given that issue in a particular city vote is how much to spend, per person, on city parks next yea
And we need to find median voter will vote to spend $30 per person and the voting outcome
While we looking into the given question, we have identified that if there is a vote on whether to spend $30 per person or $150 per person, then the number of individual who spend 1000 to 3000
Then the median voter will vote to spend is calculated as
=> M = (3000 + 180)/2 = 1590
Here the median voter will vote to spend $30 per person and the voting outcome will be $1590 per person.
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a company began the year with an accounts receivable balance of $210,000, and had a year-end balance of $240,000. credit sales of $850,000 generated a gross profit of $110,000. calculate the receivables turnover ratio for the year. (round your answer to 1 decimal place.)\
The receivables turnover ratio for the year is 4.0
What is Receivable turnover ratio ?Receivable turnover ratio = Credit sales/Average accounts receivable
=850000/210000
=4.0
The average number of times a company collects its accounts receivable balance is measured by the accounts receivables turnover ratio. It is a measurement of how well a business manages its line of credit process and collects unpaid bills from customers.A company's accounts receivable turnover ratio is higher for an efficient business and lower for an inefficient one. This indicator is frequently used to compare businesses in the same sector in order to determine whether they are on par with their rivals. The efficiency with which a business is able to collect on its receivables or the credit it gives to clients is measured by the receivables turnover ratio. The ratio also counts the number of times a company's receivables are turned into cash over a specific time period.To learn more about Receivable turnover ratio refer to:
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What are the 5 codes of conduct?
A code of conduct outlines the policies and procedures that employees and employers must follow in the workplace.
What is code of conducts?A code of ethics and code of conduct outlines the ethical principles that govern a company's or organization's decisions and behavior.A good code of conduct meets three criteria: it fits the company, it addresses its risks, and it is familiar to all employees.The five codes of conduct are as follows:
Integrity.Objectivity.Competence in one's field.Confidentiality.Professional conduct.A company's core values, including its mission, guide the development of these codes. These guidelines describe how employees should interact with one another at work.A well-written code of conduct clarifies an organization's mission, values, and principles, connecting them to professional conduct standards. The code articulates the values that the organization wishes to instill in its leaders and employees, as well as the desired outcomes.To learn more about codes of conduct refer to :
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What are some unethical practices of consumers?
Using a coupon for things you haven't bought, stealing modest consumer goods, and eating products in-store without paying for them are all examples of unethical consumer behavior.
What is ethical and unethical in business?Good and evil behavior is distinguished by ethics. Ethical and immoral are adjectives, thus they can be used in front of phrases like problems, behavior, practices, and so on. All of these are connected to how people behave or conduct their private lives. Morally corrupt behavior is what we call unethical.
Equity, rights, honesty, and the use of corporate power are the four categories into which ethical behavior in business can be separated. Business enterprises must balance their obligations to their customers, shareholders, employees, and the general public. Consequently, the discipline includes social, personal, business responsibility, loyalty, fairness, respect, trustworthiness, and technology ethics.
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