Helena works in the specialty in Employee relations .
Define employee engagement and job satisfaction with respect to Theory of Motives and Needs.Job satisfaction is an evaluation, whereas organizational culture is a description.It should be noted that maintaining employee engagement falls under the purview of the human resources department because it is essential to achieving organizational goals.
For instance, according to the idea of motives and wants, managers must make sure that every employee is completely committed to or enthusiastic about their work.According to this hypothesis, employee motivation is boosted if they are engaged in and enthusiastic about the work that motivates them.
To know more about employee relations , visit :
https://brainly.com/question/15611153
#SPJ4
Reporting revenues only when cash is received and expenses only when cash is paid is called the.
Reporting revenues only when cash is received and expenses, only when cash is paid, is called the cash basis of accounting.
Cash basis refers to a prime accounting approach that recognizes revenues and costs on the time coins is obtained or paid out. This contrasts with accrual accounting, which recognizes earnings at the time the revenue is earned and data costs whilst liabilities are incurred no matter when cash is acquired or paid.
Cash-basis accounting is a easy accounting method geared toward small business owners. In case you run a small corporation, you may need to apply the coins-basis technique for your books. to apply the coins-basis approach, you record each transaction as money changes arms
Accrual accounting data sales and costs while transactions occur but earlier than money is acquired or dispensed. coins foundation accounting records sales and costs while cash related to the ones transactions really is received or allotted.
Learn more about accounting here: https://brainly.com/question/25568979
#SPJ4
corporation has municipal bonds classified as a held-to-maturity at december 31, 2020. these bonds have a par value of $
The corporation has municipal bonds classified as a held-to-maturity on December 31, 2020. these bonds have a par value of $ 871,000.
Short-time period bonds mature in a single to three years, whilst long-time period bonds might not mature for more than a decade. normally the interest on municipal bonds is exempt from federal income tax. The hobby will also be exempt from state and neighborhood taxes if you reside within the state in which the bond is issued. when you buy a municipal bond you are loaning cash to the provider in change for a set number of interest payments over a predetermined period.
At the end of that duration, the bond reaches its adulthood date, and the total amount of your unique investment is again to you. they intend to personal bonds as lengthy-term investments to be held to adulthood buyers may wish or want to promote their bonds previous to their said maturity. There are risks and fees associated with selling a municipal bond previous to maturity. whilst the interest earnings are typically tax exempt for municipal bonds capital gains found from selling a bond are a challenge to federal and country taxes.
Learn more about Municipal bonds here:-https://brainly.com/question/1346612
#SPJ4
Which term would be measured with specific numbers of a target audience?
reach
marginal analysis
O
A/B testing
media strategy
Answer:
media strategy
Explanation:
media strategy
with this type of loan, personal property is included with the real property in the sale. it's commonly seen in commercial real estate, but you may also see this in the sale of furnished condominiums.
A package mortgage is a mortgage in which personal property or business assets are included with the real property in the sale.
Any asset that is not real estate falls under the category of personal property. The difference between personal property and real estate, or real property, is that the former is mobile; in other words, it isn't fixed in place permanently. Typically, it isn't taxed the same way as fixed property.
Some types of property, including clothing, automobiles, and household equipment, have a tendency to lose value over time. The value of other types, such artwork and antiques, may rise. Lenders may consider the total current value of a prospective borrower's personal property addition to their real property when determining their creditworthiness.
To learn more about Personal Property from the given link.
https://brainly.com/question/536751
#SPJ4
Pepsico entered into a long-term contract with a south african beverage company. The contract calls for the south african firm to produce and market pepsi products in the country. Pepsico will receive royalties on each case of sodas sold. This is an example of.
Pepsico signed a long-term agreement with a beverage manufacturer in South Africa. According to the agreement, the South African company must manufacture and promote Pepsi goods there. Every time a case of soda is sold, Pepsico will collect royalties. This is an example of licensing.
The term "licensing" refers to a commercial agreement in which one firm grant another company a temporary right to use its intellectual property, such as its manufacturing method, brand name, copyright, trademark, patent, technology, trade secret, etc., in exchange for fair compensation and subject to certain terms.
Coca-Cola and Pepsi, for instance, are made and marketed locally by bottlers in several nations under a license structure.
In more precise words, it is the simplest kind of commercial partnership in which a corporation rents out its market-specific product expertise in return for access to the market.
To learn more about PepsiCo
https://brainly.com/question/15891631
#SPJ4
malcom is starting to turn down overtime opportunities, he has developed a personal reading list that he is working through, and he is cutting back from seven-day weeks to five-and one half day weeks. malcom is most likely working on what kind of non financial resource?
Malcolm is starting to turn down overtime opportunities, he has developed a personal reading list that he is working through, and he is cutting back from seven-day weeks to five-and-one-half-day weeks. Malcolm is most likely working on increased leisure time.
In step with your textual content, the subsequent is the high-quality definition of strain a terrible emotional state that happens whilst events are perceived as exceeding someone's assets or ability to cope. practice what you have got discovered to trade your behavior.
A gender-numerous group of workers offers easier access to sources, along with various resources of credit score, more than one asset of records, and wider industry knowledge. A gender-various workforce permits the agency to serve an increasing number of various patron bases. attaining gender equality is critical for workplaces now not simplest because it's miles 'truthful' and 'the right element to do but due to the fact it's also linked to a rustic's average monetary overall performance.
Learn more about Financial resources here:-https://brainly.in/question/29284459
#SPJ4
what is the manipulation of information to create business intelligence in support of strategic decision making?
Online analytical processing (OLAP) is the manipulation of information to create business intelligence in support of strategic decision-making.
Manipulation (psychology) is conduct designed to exploit, manipulate, or in any other case have an effect on others to 1’s advantage. Definitions for the time period vary in which conduct is particularly included, stimulated through each lifestyle, and whether relating to the overall population or used in scientific contexts.
Manipulation is described as any attempt to sway a person's emotions to get them to act or sense a positive manner. Manipulators have no unusual tricks they'll use to make you sense irrational and are much more likely to offer into their requests. Some not unusual examples consist of Guilt and Complaining.
Manipulation is described as skillful management by something or a person. An example of manipulation is what is being completed by a talking vehicle salesman who convinces you to shop for a car. Sensible or devious management, especially for one's own advantage.
Learn more about manipulation here https://brainly.com/question/15746180
#SPJ4
:business management systems need three major components in order to provide the services expected by today’s managers. these include::
Business management systems need three major components in order to provide the services expected by today’s managers. these include them to be leaders, moral builders, and people skills.
Who are managers?A manager can be defined as a person who is in charge of managing or looking after an organization, he is an acting leader who helps in delegating responsibilities as well as setting goals.
Also, he possesses some leadership qualities which help in running an organization smoothly.
The three qualities that the managers of today's time are incorporating are
Today's managers must possess people skills.Managers today must be true organizational leaders. Managers today are expected to inspire their teams and exhibit their morals.Learn more about manager, here:
https://brainly.com/question/17312484
#SPJ4
regarding insurance company underwriting practices for health insurance, which one of the following statements is false?
The applicant's signature on the policy delivery receipt serves as the notice of the insurer's information practices in health insurance underwriting practices
The signature on the application by the applicant does not serve as notice of the insurer's information practices. Medical underwriting can be done for a person or a group, for instance, a company looking to provide coverage to its employees. Such individual evaluation would be impossible when establishing prices for a large corporation.
Insurance companies examine a candidate's medical records, lifestyle, demographic profile, and other aspects related to future and current medical needs during the underwriting process of health insurance. An assumption of the risk linked to providing healthcare coverage to that individual is calculated and priced using actuarial analysis.
To learn more about underwriting practices: brainly.com/question/28089618
#SPJ4
financial accounting focuses on the needs of external users, who get accounting information from general-purpose financial statements.
Yes, the given statement is true.
Who are external users?Accounting is focused on external users. The entire purpose of financial accounting is to record business events and communicate them to external users in a meaningful way. External users rely on the financial information provided by the company because they have no firsthand knowledge of a company's financial position or future plans.
A creditor, for example, has no way of knowing the profits and liquidity of a small closely held corporation. Banks and lenders rely on the information contained in the financial statements and other financial documents provided by the company during the loan application process.
Similarly, investors have no idea how well a company is performing because they do not understand the inner workings of the operations.
Thus, Financial accounting takes into consideration the needs of external users and accordingly prepares reports.
For more information on Financial Accounting, refer to the given link:
https://brainly.com/question/18188148
#SPJ4
as the supply shifts from s1 to s2, what can be inferred about the quantity demanded? a) the quantity demanded will increase. b) the quantity demanded will decrease. c) the quantity demanded will not be affected. d) the quantity demanded can not be determined.
As the supply shifts from s1 to s2,
b) the quantity demanded will decrease.
Supply of a commodity refers to the quantity of a commodity that producers or sellers are willing to produce and offer for sale at various prices during a particular period. The law of supply states that other things remain the same, the quantity of any commodity for sale rises with a rise in its prices and vice versa.
Thus, according to the law of supply, the supply increases from s1 to s2 because of the rise in prices. Conversely, according to the law of demand, this rise in prices leads to a fall in the quantity demanded. This increase in supply indirectly leads to an increase in demand.
Learn more about demand and supply: brainly.com/question/8748459
#SPJ4
accounting information is if similar items are treated the same way among various companies highlighting similarities and differences between events and conditions.
Accounting information is Comparable if similar items are treated the same way among various companies highlighting similarities and differences between events and conditions.
What is accounting information?A firm employs an accounting information system (AIS) as a framework to gather, organize, process, retrieve, and report its financial data so that accountants, consultants, business analysts, managers, chief financial officers (CFOs), auditors, regulators, and tax agencies may make use of it.
To ensure the highest level of accuracy in a company's financial transactions and record-keeping, as well as to make financial data easily accessible to those who require access to it, specially trained accountants work closely with AIS to keep data secure and intact.
Learn more about accounting information
https://brainly.com/question/17031135
#SPJ4
a pack of paper cost 379 including tax mr valentino wants to purchase packs of paper for his class and has a $15 budget
According to the question, the number of packs of paper Mr. Valentino can purchase is less than "4"
How to determine the number of packs of paper Mr. Valentino can purchase?
The given parameters are;-
Cost = $3.79 per pack
Budget = $15
Let the number of packs be x.
So, we have
Cost * x <= Budget
Substitute the known values in the above inequality
3.79 * x <= 15
Divide both sides by 3.79
x <= 15/3.79
Evaluate the quotient
x <= 3.95
Round up and rewrite as
x < 4
This mean that the number of packs of paper Mr. Valentino can purchase is less than 4
See attachment for the inequality: - The graph of the inequality uses a dashed line, and the left part are shaded
Read more about inequalities at
brainly.com/question/24372553
#SPJ4
Here is the full question:
A pack of paper costs $3.79, including tax. Mr. Valentino wants to purchase packs of paper for his class and has a $15 budget. Write and solve an inequality to solve for the number of packs of paper Mr. Valentino can purchase and describe the graph of the solution.
is the use of resources by an individual, firm, region, or nation to produce one or a few goods or services rather than the entire range of goods and services.
Specialization is The use of the help of someone, a firm, a region, or a nation to produce one or a few interests and services.
What do you market economies?
A market thrift is a system where two parties, known as supply and demand, direct the production of goods and services. Market economies are not controlled by a central power (like a government) and are instead based on unforced exchange. Businesses market these goods and services to families in the market for goods and services. Businesses use the financial resources they buy in the demand for resources to produce goods, such as computers and bikes, and services, such as haircuts and car repairs.
To learn more about the market economy visit the link
https://brainly.com/question/14290410
#SPJ4
Bank refuses to give laszlo a mortgage unless an accommodation party signs the instrument as well. laszlo's sister lana signs the loan and writes, "i guarantee collection." can wainwright claim directly against lana without first demanding payment from laszlo?
It is false statement that Wainwright bank can claim directly against Lana without first demanding payment from Laszlo.
Who is an accommodation party?In a legal term, the accommodation party is used in an commercial transactions and refers to the individual who has agreed to act as guarantor to assist another's access to a loan or credit extension.
Despite that Lana is a guarantor for the loan, she is not liable for outright repayment of the mortgage, rather, Laszio is. Therefore, It is false statement that Wainwright bank can claim directly against Lana without first demanding payment from Laszlo.
Read more about accommodation party
brainly.com/question/17755232
#SPJ1
Samantha found a job with an annual salary of $100K. What is her monthly salary, rounded to the nearest dollar?
select a reason why cash flow forecasting is important to a company's success. a.) it is central to a company's liquidity. b.) it helps a company to grow its sales. c.) it contracts a company's cash disbursement cycle. d.) it increases a company's processing float time.
Correct option is A. It is central to a company's liquidity.
What is the importance of cashflow?
One of the most important factors in determining a company's long-term success is its cash flow. Cash flow is the amount of money that enters and exits your organization over a certain time period, and it often affects the company's liquidity.
Positive cash flow suggests that more money has been received by the business than has been received by it. Negative cash flow indicates that more money has left the firm than has been received by it. What is deemed advantageous for a business's performance is a good cash flow situation.
To handle finances in a way that the business can settle all of its debts and loans on schedule, cash flow forecasting is used.
To learn more about cash flow from given link
https://brainly.com/question/10922478
#SPJ4
businesses can be classified into the following forms: proprietorship, partnership, corporation, limited liability company (llc), and limited liability partnership (llp)
In a constrained legal responsibility partnership/constrained legal responsibility company, the legal responsibility of owners/stockholders/companions is constrained.
Characteristics that observe are:Owners have constrained legal responsibility and proper to vote. Have company possession structure. Limited economic Liability.
Selena and Mario now no longer individually held for the firm’s debt = LLC/LLP.
CEO is needed to certify information = Corporation, CEO is needed to certify in case of enterprise.
Brandon misplaced residence because of a litigation claim = Partnership, legal responsibility of companions is unlimited.
What is company possession structure?An possession structure issues the inner business enterprise of a enterprise entity and the rights and obligations of the man or woman keeping the equitable or felony hobby in that enterprise. For instance, a shareholder who's additionally the proprietor of a enterprise has positive rights.
To learn more about Company's structure, visit:
https://brainly.com/question/13992935
#SPJ4
Financial reports that summarize the financial condition and operations of a business.
Financial statements are written records that convey the business activities and also the financial performance of an organization. This reports summarize the status and operations of a business.
Financial statements are often audited by government agencies, accountants, firms, etc. to confirm accuracy and for tax, financing, or investing purposes. For-profit primary financial statements include the record, earnings report, statement of money flow, and statement of changes in equity. Nonprofit entities use an analogous but different set of monetary statements. The profit-and-loss statement primarily focuses on a company’s revenues and expenses during a specific period. Once expenses are subtracted from revenues, the statement produces a company's profit figure called profits. The income statement (CFS) measures how well an organization generates cash to pay its debt obligations, fund its operating expenses, and fund investments.
Learn more about Financial statements.
https://brainly.com/question/26240841
#SPJ4
an analyst with a leading investment bank tracks the stock of mandalays inc. according to her estimations, the value of mandalays inc.’s stock should be $8.79 per share, but mandalays inc.’s stock is trading at $1.59 per share on the new york stock exchange (nyse). considering the analyst’s expectations, the stock is currently:
Considering the analyst’s expectations, the stock is currently undervalued.
What is an undervalued stock?A stock is used by public companies to raise capital. Stocks gives its holders ownership rights in the public company. Stockholders are referred to as the owners of the firm. Stockholders are paid dividends.
When the market vale of stock is less than the intrinsic value, the stock is said to be undervalued. When a stock is undervalued, it is expected that the value of the stock would appreciate with the passage of time.
Stocks are overvalued when its market value is greater than the intrinsic value. When a stock is overvalued, it is expected that the stock would depreciate with the passage of time . Investors prefer to hold undervalued stocks than overvalued stocks.
To learn more about a stock, please check: https://brainly.com/question/15710204
#SPJ1
price is the amount paid for a parcel of real estate in an actual transaction. select one: a. true b. false
The given statement of real estate is true.
Real Estate
Real estate is property that includes land and buildings, as well as natural resources such as crops, minerals, or water; immovable property of this type; an interest in this (also) an item of real property, (more broadly) buildings, or dwellings in general. In law, real refers to land property and is distinct from personal property, whereas estate refers to a person's "interest" in that land property. Personal property, which is not permanently tied to the land, such as vehicles, boats, jewels, furniture, tools, and farm rolling stock, differs from real estate.
To learn more about Real Estate
https://brainly.com/question/1534216
#SPJ4
"i know headquarters wants us to add that new product line," said bella troung, manager of haley company’s office products division. "but i want to see the numbers before i make any move. our division’s return on investment (roi) has led the company for three years, and i don’t want any letdown."
ROI is a mathematical formula that investors can use to assess their investments and determine how well one investment has fared in comparison to other assets. An ROI estimate may occasionally be combined with other strategies to create a business case for a specific proposition. How well a firm is managed is measured using the overall ROI for the enterprise.
A return on investment may be determined by determining whether one or more of an organization's immediate goals—such as increasing market revenue share, developing infrastructure, or preparing the company for sale—rather than by determining immediate profit or cost savings.
Margin = Net operating income/Sales
Turnover = Sales/Operating assets
ROI = Margin*Turnover
How is ROI determined?
There are several ways to determine ROI. The most popular is ROI, which is calculated as ROI = Net income / Cost of Investment multiplied by 100.
To learn More about return on investment from the given link.
https://brainly.com/question/11913993
#SPJ4
Select the correct answer. which item(s) are tax deductible for consumers who are buying a home? a. down payment b. mortgage property appraisal and inspection costs c. closing fees and title costs d. mortgage interest and property taxes e. insurance payment
The correct answer is (d) Mortgage rates and property taxes.
Mortgage rates and property taxes are the taxes which are deductible for consumers who are buying a home.
The mortgage interest deduction is a typical itemised deduction that enables homeowners to exclude from taxable income the interest they pay on any loans used to finance the construction, acquisition, or improvement of their property.
Loans for second homes and vacation homes are also eligible for the mortgage interest deduction, although there are some restrictions. In most cases, state and local property taxes can be written off against a property owner’s federal income taxes. Any federal, state, local, or foreign taxes imposed for the benefit of the general populace are deductible real estate taxes.
To learn more about mortgage rates, refer this link.
https://brainly.com/question/27818031
#SPJ4
what do you think the consequences might be in financial markets if individuals consumed more of their incomes and thereby reduced the supply of funds available to financial institutions? (select the best answers from the drop-down menus.) if individuals consume more, ▼ more fewer dollars will be available for investment. this would ▼ increase reduce the amount of money available for new projects and drive ▼ up down the required return (i.e., required return of investors to buy bonds). over time, employment, salaries, and gross domestic product would ▼
The average person spends less than they earn. The surplus is invested and made available to organizations like enterprises and governments. If people spent more of their income, financial markets may suffer as a result, reducing the amount of money accessible to financial organizations.
Any marketplace where securities are traded is referred to as a financial market, which includes, among others, the stock market, bond market, FX market, and derivatives market. The efficient operation of capitalist economies depends on the financial markets.
By allocating resources and generating liquidity for businesses and entrepreneurs, financial markets play a crucial role in facilitating the smooth running of capitalist economies. Trading financial holdings is made simple by the markets for buyers and sellers. Financial markets provide securities products that give a return to investors and lenders who have extra money and make that money available to others who need it (borrowers).
An example of a financial market is the stock exchange. Financial markets are created via the buying and selling of many different kinds of financial instruments, such as stocks, bonds, currencies, and derivatives. To ensure that the markets set prices that are effective and reasonable, financial markets primarily rely on informational transparency.
Learn more about financial market here
https://brainly.com/question/13400473
#SPJ4
if the insured must rent a car because his was stolen, what is the maximum dollar amount of coverage available under the commercial auto policy?
If the insured must rent a car because his was stolen,the maximum amount of protection permitted by the commercial auto policy in terms of money is $600
Insurance
This policy also provides coverage for loss or damage to the insured vehicle and its accessories as a result of: Lightning, a fire, an explosion, or self-ignition. stealing, housebreaking, or burglary. strike and riot.
If your stolen car is not recovered, the insurance provider will make a payment equal to its current market value, or Insured Declared Value, or IDV. Only individuals with personal damage or comprehensive auto insurance are eligible for coverage in this circumstance.
To learn more about Insurance
https://brainly.com/question/25740123
#SPJ4
preparing and distributing employee handbooks and company publications dealing with and responding to communications from employees’ questions negotiating union contracts and maintaining communication with union representatives
Maintaining positive employee relations is preparing and distributing employee handbooks and company publications, while also dealing with and responding to communications from employees questions.
Maintaining a positive employee relations increases good feelings, improve work satisfaction, and increases the morale. The positive employee relations is regarded to be a human resources principle, which is normally discussed within a framework of maintaining an engaged and productive workforce.
While maintaining a positive employee relations is by preparing and distributing employee handbooks. So an organization's employee handbook provides employees with a clear understanding of their responsibilities.
Hence, an HR function includes maintaining positive employee relations.
To learn more about employee handbooks here:
https://brainly.com/question/16529115
#SPJ4
iven that jacob's chocolates had owner investments of $4,000; net income during the period of $10,000; and owner withdrawals of $300 calculate the ending balance in the owner's capital account.
Iven that Jacob's chocolates had an owner the ending balance in the owner's capital account is $13,700.
What is the owner's capital account?The equity account that appears on a company's balance sheet is called an owner's capital account. It indicates the total ownership stakes that investors hold in a company. This account holds the owners' investment in the company as well as the net income it generates, which is then decreased by any draws made to the owners.
Given,
Investment =$4,000
Net Income =$10,000
Capital withdrawal =$300
Required to find ending capital account balance =?
Ending capital account balance = $4,000 + $10,000 - $300
Ending capital account balance = $13,700
The ending balance of the owner's capital account equals the beginning balance less any withdrawals, plus contributions, plus or minus any net gain or loss for the time. The balance at the conclusion of the accounting period is determined using this formula, which is updated annually.
Thus, the ending capital account balance is 13,700.
Learn more about Capital Account here:
https://brainly.com/question/14684892
#SPJ1
when completing an online purchase order, fully complete the form before you click send. incomplete order forms will not be processed.
the correct answer is
When filling out an online purchase order, complete the form fully before you click "Send." Incomplete order forms will not be processed.Learn to speak slowly and clearly.A language that is seen to be straightforward and concise is plain English. It typically stays away from using obscure terms and obscure euphemisms to discuss the issue. A simple, direct expression using only the words essential is known as plain English. Writers that use simple language allow their readers to focus on the topic rather than getting sidetracked by technical terms. They make sure that the message is clear to their audience. When information is presented in plain English, it makes it easier for someone to comprehend it the first moment they read or hear it. They can simply get the information they require, comprehend it, and take action if necessary.
To know more about plain English refer to https://brainly.com/question/6664955
#SPJ4
joe to go offers donuts with its simple cup of black coffee that customers serve themselves. in doing so, the company has determined its , which satisfies the needs that dad has as a customer.
Answer:
target market
Explanation:
The answer is target market, because , as stated in the question, Joe to go is a company that offers donuts with its simple cup of black coffee that customers serve themselves, which would indicate that their target market are people who would be interested in such a thing and "satisfies the needs that dad has as a customer."
Which factor might pose the greatest risk to a person applying for a credit card for the first time?
A. A short grace period
B. A low introductory credit limit for the first six months
C. A low introductory rate that will increase over time
D. A lack of fees
Of the following options, the factor that might pose the greatest risk to a person applying for a credit card for the first time is option (C): A low introductory rate that will increase over time. A credit card is a type of loan that allows you to borrow money when you make a purchase.
You must repay the amount you borrowed at a later date, as well as any interest charges incurred. Credit cards are offered by a variety of lenders, including banks, credit unions, and department stores.Credit card interest rates. The interest rate on a credit card is the amount you must pay to borrow money.
The credit card issuer usually sets the interest rate. Interest is calculated based on the amount of money you owe and is typically expressed as an annual percentage rate (APR).
APRs can be fixed or variableFixed APR: A fixed APR is one that remains constant over time.Variable APR: A variable APR can fluctuate over time. The rate you are charged is determined by adding a set amount (known as the "margin") to an index (such as the prime rate) that changes over time.
Credit card issuers may also offer introductory or promotional APRs, which are lower than the regular APR for a set period. Once the promotional period ends, the interest rate will rise to the regular APR. A low introductory rate is an initial, temporary interest rate that is charged on a credit card balance.
The promotional period is usually between 6 and 18 months, but it can last up to 24 months. The low introductory rate is usually much lower than the regular APR. After the promotional period ends, the interest rate on the outstanding balance reverts to the regular APR.
A low introductory rate can seem appealing, but it is important to read the terms and conditions to understand what happens when the promotional period ends. If the rate increases significantly, you may end up paying more in interest charges than you would have if you had selected a card with a higher regular APR from the start.
This factor is the reason why option (C): A low introductory rate that will increase over time might pose the greatest risk to a person applying for a credit card for the first time.
For more question on interest rate
https://brainly.com/question/29451175
#SPJ8