is the process through which senior management strategically controls business operations through policies, objectives, authority delegation, and monitoring.
What function does governance serve in a company?You may always operate with in best interest of the organization with the aid of good governance. Most specifically, it can boost your company's performance, make it more reliable and effective, and open up new possibilities. It can lower hazards and promote quicker, safer growth.
What goals does government seek to achieve?Transparency, accountability to investors and the community, strong corporate trusteeship, and the protection of employees' welfare are all characteristics of good corporate governance. Within the constraints of the corporate governance structure, it aids management in making creative decisions for the business.
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What is one example of a close economy?
In practice, there are no countries with closed economy at present. Brazil is the closest to unrestricted frugality as it has the least significant goods compared to other countries.
Still, it's insolvable to meet all the goods and service demands within the domestic boundary. A closed economy is a frugality with no profitable relations with the rest of the world. This means there are no significances from other countries and no exports to the other country.
An unrestricted frugality has no trading exertion with outside husbandry. The unrestricted frugality is thus entirely tone-sufficient, which means no significances come into the country and no exports leave the country.
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What are two goals of the free enterprise system?
In order to improve freedom, market effectiveness, consumer rights, financial security and stability, and economic opportunity
What is Free enterprise system?An economy where the market, as opposed to the government, sets pricing for goods and services is known as free enterprise or the free market. Alternatively, the term "free enterprise" could refer to a philosophical or legal framework in which the majority of controls over commercial activity come from the private sector.Examples of free entrepreneurship include a private restaurant chain operated without the involvement of the government or a person launching an online business. Market competition, private property, specialisation, voluntary exchange, a price system, and entrepreneurship are some of its traits.A free enterprise system is characterised by private property, economic freedom, financial incentives, competitive marketplaces, and a limited role for the government.To learn more about Free Enterprise System refers to:
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Green River Community College's scholarship fund receives a gift of $ 135000. The money is invested in stocks, bonds, and CDs. CDs pay 3.25 % interest, bonds pay 5.1 % interest, and stocks pay 7.1 % interest. GRCC invests $ 25000 more in bonds than in CDs. If the annual income from the investments is $ 7330 , how much was invested in each vehicle
GRCC invested $20,000 in stocks.
GRCC invested $70,000 in bonds.
GRCC invested $45,000 in CDs.
Investments in CDs = x
Investments in bonds = x+$25000
Investments in stocks = y
Total Investments = $135000
Annual Income =$6022.5
Therefore, x+x+25000 y = 135000
2x + y = 135000 - 25000 = 110000
0.0425x + 0.041(x + 25000) + 0.062y = 6022.5
0.0425.x+0.0410. x + 0.041 * 25000 + 0.062y = 6022.2 * 0.5
0.0835x + 0.062y = 6022.5 - 1025
0.0835x + 0.062y = 4997.5
By solving 2x+y=110000 and 35x + 0.062y = 4997.5 this gives,
2x+y=110000 Rightarrow 0.124x + 0.062y = 6820
0.0835x + 0.062y = 4997.5
0.124x-0.0835x+0.06201-0.06201 - 6820-4997.5
0.0405x = 1822.5
x = 1822.5/0.0405 =\$45000
Substitute x = $45000 into 2x + y = 110000 , this gives.
(45000)+y=110000
y = 110000 - 90000 =\$20,000
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What is the concept of resources in economics?
A resource is an item or activity that is utilized in economics to generate commodities and services that cater to the needs and desires of people.
The definition of economics itself is the study of how society manages and distributes its limited resources. Economic resources are the ingredients that go into making products or rendering services. In other words, they are the resources that are employed as inputs to produce goods or support the provision of services. Human resources, like labor and management, and nonhuman resources, such land, capital goods, financial resources, and technology, are two categories of economic resources.
An economy is a collection of institutions and businesses that either directly participate in or assist the creation and transfer of commodities and services. The materials we utilize to manufacture and dispense products and services are known as economic resources. The exact ratio of each production element will vary from product to product and from service to service, but the objective is to employ resources as efficiently as possible to maximize output at the lowest feasible cost. Resource misallocation or misuse may lead to the collapse of entire economies and enterprises.
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If one discount point costs the borrower 1% of the loan amount, and increases the lender's yield by 1/8th of one percent, how many discount points must be purchased to lower the interest rate by 1%
The discount points must be purchased to lower the interest rate by 1% 1/8th = 0.125; 1.0 ÷ 0.125 = 8.
Your interest rate is reduced by points, commonly referred to as discount points, in exchange for an up-front payment. The lender accepts a greater rate of interest in return for a reduction in your closing fees. Sometimes, these words are used to refer to different things.
Mortgage lenders have been using the term "points" for a long time. Mortgage points, commonly referred to as discounted points, are payments that a home buyer directly pays to the lender (typically a bank) in exchange for a lower interest rate. This is also referred to as "buying the rate down."
In essence, your pay some ratings up front and in return for a loan with a reduced interest rate overall. Discount points are paid, which lowers the interest rate and, consequently, the monthly payments.
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The Sarbanes-Oxley Act created the _____ to oversee the accounting firms that audit public corporations and to establish rules and standards for auditing.
The Sarbanes-Oxley Act created the Public Company Accounting and Oversight Board (PCAOB) to oversee the accounting firms that audit public corporations and to establish rules and standards for auditing.
What do accountants actually do?An accountant is a specialist who manages bookkeeping and organizes the financial records you use to run your company, including balance sheets, profit and loss statements, and more. They simplify all the financial jargon associated with running a business, audit your records, create reports for tax purposes, and more.
What three tasks do accountants perform?creating and keeping up with significant financial reports. preparing tax returns and guaranteeing timely and accurate payment of taxes. assessing financial processes in order to make recommendations for best practices, spot problems and develop remedies, and aid organizations in functioning effectively.
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What are examples of short medium and long-term goals for savings?
Examples of short, medium, and long-term savings goals include saving for a vacation, buying a house, and contributing to a retirement fund.
Short-term goals involve saving for a purchase or event in the near future, such as a vacation or new furniture. Medium-term goals involve saving up for a larger purchase such as a car, a down payment for a house, or a wedding.
Long-term goals involve saving for retirement, college education, or large purchases that may take years to reach. It is important to set realistic goals and create a plan for saving. Setting up a budget can help you determine how much you can save each month for each of your goals.
Once you have a budget in place, you can decide which goals you want to prioritize in order to reach them faster. You can also set up automated transfers to move money into savings accounts each month to help you reach your goals.
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The forecasting team needed direction and decisions from their manager, Kathy. They were already two days overdue on the project deadline. Kathy didn't want to disappoint any of her colleagues and she was trying to people please all of her coworkers, even to the point of a late project. Which negative motivating factor did Kathy demonstrate
Kathy tried to please everyone at work, even to the point of a late project, because she didn't want to let any of her employees down. Kathy displayed an unfavorable driving factor: insecurity.
A person who completes particular responsibilities for a company in exchange for regular payment is called an employee. a person who accepts a job as a paid employee from another or from a company, firm, etc. also known as personnel. An employer is a person, business, or other entity that hires workers and compensates them for their labor. Employees are those who are paid to perform labor. Employers provide workers a job. A person who has consented to be employed under the terms of an employment contract is said to be an employee. Your employment status will play a role in determining what obligations and rights you have at work.
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What is the importance of addressing the three questions of economics?
These three issues are addressed by economists: (1) What products and services ought to be created to satisfy client demands? (2) Who should generate them and how should they be produced? 3) Who ought to be given commodities and services?
The social science of economics deals with the creation, exchange, and consumption of products and services. Economics is the study of how economies work as well as the behavior and interactions of economic actors. The study of microeconomics focuses on what are thought to be the fundamental components of the economy, such as the interactions that result from market and agent activity. Individual agents can represent a variety of clients, including homes, companies, buyers, and sellers. The study of the economy as a coexisting system of production, consumption, saving, and investment is known as macroeconomics. Additionally, it looks at the elements that have an impact on this system, including the use of labor, capital, and natural resources, currency inflation, economic expansion, and public policies .
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If the reserve requirement ratio (RR) is 0.20, the simple deposit multiplier is A. 20 B. 10
C. 2
D. 5.
If the reserve requirement ratio (RR) is 0.20, the straightforward deposit multiplier is (d) 5.
What Is the Reserve Ratio?The reserve ratio is the percentage of reservable liabilities that commercial banks are required to keep onto rather than lend to or invest in. The country's central bank—the Federal Reserve in the US—determines this criteria.
The reserve requirement, which is frequently used interchangeably with the reserve ratio, refers to the minimal amount of reserves that a bank must maintain. Regulation D of the Federal Reserve Board outlines the reserve ratio. Regulation D established a set of minimum reserve requirements for all depository institutions with transaction accounts and mandates that banks submit quarterly reports to the
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Sympatico Accountants engages ABC Tax preparers to prepare routine tax returns during the busy season. Under the AICPA Code, which of the following should Sympatico do prior to sharing its clients' information with ABC?
A. Inform its tax clients that the firm may be using an outside service when providing professional services.
B. List a note in the local newspaper that the firm may be using an outside service when providing professional services.
C. Ask clients to sign a waiver limiting Sympatico's liability in the event ABC makes errors in Sympatico's tax returns.
D. Sympatico would not be required to take any particular action in this situation.
The right response is A. Let its tax clients know if the company occasionally uses an outside service while rendering professional services.
ExplanationBefore disclosing the information, the client's authorization must be secured in writing; a newspaper notice is not sufficient. Option B is therefore erroneous. Getting the client's consent comes first before any disclosure of their information is made. Option C is therefore erroneous. The client's consent is necessary in order to reveal client information to third-party service providers. The confidential client information regulation forbids disclosure without authorization. Consequently, option D is untrue.
Code of Professional Conduct of the AICPA:
This code of conduct was created by the AICPA with the intention of directing the
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To honor your instructor in ECON 310, you have decided at graduation to endow a professorship in engineering economics that pays $300,000 per year in perpetuity (i.e., forever). If accounts at the UM Foundation earn 4% interest, you will have to make a lump-sum gift of __________ to achieve your goal. A. $8,625,000 B. $11,856,322 C. $6,325,000 D. $7,500,000
You will have to make a lump-sum gift of D. $7,500,000 to achieve your goal.
This can be computed as,
300,000 × (1/.04)
As opposed to a series of payments made over time, a lump sum payment is a one-time, sizable quantity of money provided to an employee. Due to the fact that the entire amount of money is being paid up front, lump sum payments have a lesser value when they are used to purchase goods or services.
Your financial situation will be more in your hands if you receive lump sum payments because you will have more freedom to spend or invest your money however you see appropriate. According to studies, pensioners who get a monthly pension payment are more likely to keep up their current level of expenditure than retirees who receive lump-sum benefits. A lump amount is a single payment.
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What is the major problem of economics and why do we have such problem?
The conundrum of limited resources and insatiable wants is the core issue in economics. Additionally, economics has demonstrated that a man's requirements cannot be met. As more of our requirements are met over time, we gradually create greater wants.
The social science of economics deals with the creation, exchange, and consumption of products and services. Economics is the study of how economies work as well as the behavior and interactions of economic actors. The study of microeconomics focuses on what are thought to be the fundamental components of the economy, such as the interactions that result from market and agent activity. Individual agents can represent a variety of clients, including homes, companies, buyers, and sellers. The study of the economy as a coexisting system of production, consumption, saving, and investment is known as macroeconomics. Additionally, it looks at the elements that have an impact on this system, including the use of labor, capital, and natural resources, currency inflation, economic expansion, and public policies .
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Sam files a suit against Ranchland Corporation. Ranchland believes that even if Sam's statement of the facts is true, according to the law Ranchland is not liable. Ranchland should Group of answer choices issue a summary judgment. file a motion to dismiss. ask for a deposition. seek an admission of the truth of the matter relating to the trial. g
Living in San Diego, California, are married couple Andrea and Sam. Soon after being married, they buy a house together.
To avoid wasting resources on a matter they view as frivolous, a party will file a motion to dismiss when they believe it lacks a legal foundation, or when they do not believe that what they did justifies a court case. When Non-products asserts that they did nothing illegal in this situation, they are basically filing a petition to dismiss. Moho avoid having to pay to defend the case, they would prefer if the courts simply dismissed the matter. Andrea receives her father's ranch property two years later. Regarding ownership, the house is regarded as communal property, but the ranch is not because it was inherited and is therefore thought to be under absolute possession. Ownership is the status or fact of having exclusive rights and control over property, which can be an item, a piece of land or other real estate, or intellectual property.
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How can you achieve your goal in less time than it should take, or increase your efficiency?
Answer:
If you aren't already practicing, then practice that way you can be more efficient in whatever your doing.
Answer: first, do something you believe in, improve your knowledge in what you want to learn
Explanation:
other then my answer, look for professional help.The discount rate is referred to by all of the following alternative names except the.
O cutoff rate
O hurdle rate
O required rate of return
O accounting rate of return
Except for the accounting rate of return, all of the following alternate names are used to refer to the discount rate.
In a discounted cash flow (DCF) analysis, the discount rate is the interest rate that is used to calculate the present value of future cash flows. This aids in determining whether the cash flows from a project or investment will be more valuable than the capital expenditure required to fund it in the present. It's either the expected rate of return for investors or the cost of borrowing money. The corporation will compute NPV using a discount rate of 12% if shareholders anticipate a return of that amount. The company may utilize 4% as the discount rate if it pays 4% interest on its debt. Usually, the rate is decided by the CFO's office. The discount rate is the desired rate of return for an investor.
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On the Income Statement, which of the following would be classified as a variable cost? Select: 1
O Depreciation Expense
O Promotion Expense
O R&D Expense
O Direct Labor Expense
On the Income Statement, Promotion Expense would be classified as a variable cost.
What does Variable cost mean?
Variable cost is a type of cost that changes in proportion to the quantity of goods or services produced or sold. Variable costs are expenses that vary with changes in either the volume of output produced or the amount of service provided. Examples of variable costs include raw materials, wages of production workers, sales commissions, and fuel expenses.In contrast, fixed costs are costs that remain constant regardless of the volume of output produced and service provided. Examples of fixed costs include rent, insurance, depreciation, and administrative salaries.
What does Fixed cost mean?
Fixed cost is a cost that does not change with an increase or decrease in the volume of goods or services produced. It refers to a cost that is the same regardless of the amount produced, such as rent, insurance, or salaries. It is also referred to as a sunk cost, as the cost has already been incurred and cannot be changed.Examples of fixed costs include rent, salaries, insurance, and interest on loans. These costs do not increase or decrease depending on the level of production.
Therfore the correct option is B. Promotion Expense.
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What term BEST describes something done just to earn money?
A.
path
B.
activity
C.
job
D.
career
Answer:
its job in my opinion
Land use patterns that reduce incentives for renovations or new development because of an excess of bars, liquor stores, or other businesses that cater exclusively to adults, and that tend to encourage public safety problems are characteristics of what
The above mentioned statements are the characteristics of blight that tend to encourage public safety problems.
Preventing and defending against situations that might jeopardise the general public's safety and security from grave risk, harm, or property damage is known as public security or public safety. It is frequently carried out by a state's government to safeguard its residents, those who live on its territory, and organisations and institutions from dangers to their existence, prosperity, and well-being. Organizations involved in public safety are those that carry out public safety. They often include first responders and emergency services, including law enforcement, fire departments, hospitals, security personnel, and military personnel. Wherever possible, private public safety groups do exist, although they are frequently run by the government.
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Barney has recently begun using an addictive, euphoria-producing drug. Which of the following will probably occur if he repeatedly uses this drug
The dosage that is required to produce the desired effect will increase if Barney repeatedly uses the addictive and euphoria producing drug.
An addictive drug can be referred to or considered as the one that starts giving pleasure upon consumption to the person who consumes it. It may be a medicinal drug, but because of the fact that it contains euphoria-producing capacities, it becomes essential to increase the dosage of the drug to reach the level of the desired effect. Usually, such addiction of a medicinal drug may have negative consequences.
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Complete question
Barney has recently begun using an addictive, euphoria-producing drug. What will probably occur if he repeatedly uses this drug?
True or false: Over 70% of business employees trust their senior management and believe that their company leaders act with honesty and integrity. True false question. True False
Over 70% of business employees trust their senior management and believe that their company leaders act with honesty and integrity. This statement is false.
Only 36% of workers think their company's executives behave honestly and morally.Simply put, having a leadership style entails giving people direction, carrying out plans, and inspiring others. Setting the bar high while inspiring others is how I lead.
Being honest gives one security and assurance. Honesty regarding one's morals and values is a sign of integrity. Therefore, it is safe to trust such a person.
Poor communication is typically a result of management issues. Orders are misunderstood, which leads to serious errors. The fundamental issue with communication is that what is actually understood might not be what the other person was trying to say.
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the primary reason for requiring dealers in the OTC market to provide reports of trades in National Market System securities is to provide
The main objective of requiring OTC market dealers to submit trade reports for National Market System securities is to: [A] Provide a tool for monitoring odd lot transactions.
The OTC Reporting Facility (ORF) is a service offered by the Financial Industry Regulatory Authority (FINRA) for the reporting of trades in OTC Equity Securities executed outside of or through an exchange as well as for trades in Restricted Equity Securities carried out in accordance with Securities Act Rule 144A and the distribution of last sale reports.
Broker-dealers that conduct business in the over-the-counter (OTC) market are subject to regulation by the Financial Industry Regulatory Authority (FINRA). The OTC market is where a variety of equities securities, corporate bonds, government securities, and other derivative instruments are exchanged.
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which of the following types of business intelligence users is considered a power user?
Which of the following groups of business intelligence users fits the definition of a power user? business analysts. A facilitates decision-making.
What business intelligence entails
Business intelligence includes business analytics, data mining, data visualisation, data tools and infrastructure, and best practises to support organisations in making more data-driven choices. In actuality, you can tell if you have current business intelligence when you can leverage your organization's data to drive change, eliminate inefficiencies, and react rapidly to supply or market changes. Flexible self-service analysis, controlled data on reliable platforms, empowered business users, and speed to insight are prioritised by contemporary BI solutions.
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United and Delta recently cut their prices for flights between Los Angeles to Seattle to $199. In response, Alaska Airlines cut their price from $239 to $199 for flights between Los Angeles and Seattle in order to remain competitive. Based on this example, what degree of competition exists in the airline industry?
The degree of competition exists in the airline industry is Oligopoly.
An oligopoly is when a small group of big sellers or manufacturers control a sizable portion of a market or an entire industry. The desire to maximize profits frequently gives rise to oligopolies, which can lead to corporate cooperation. Less competition, higher consumer pricing, and lower employee compensation are the results. Many industries, including civil aviation, energy providers, telecommunications companies, rail freight markets, food processing, funeral services, sugar refining, beer manufacture, pulp and paper manufacturing, and auto manufacturing, have been characterized as being oligopolistic. Most nations have legislation that forbids engaging in anti-competitive behavior. EU competition law forbids the use of anti-competitive strategies such price-fixing, influencing market supply, and interfering with rival trade.
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Beth deposits $200,000 into her
personal savings account. How much of
her deposit is insured by the FDIC?
$50,000
$150,000
$200,000
Beth deposits $200,000 into her personal savings account. $ 50,000 more she need to deposit insured by FDIC.
Option A is correct.
For each account ownership category, the standard insurance amount is $250,000 per depositor, per insured bank. The FDIC covers deposits in different ownership categories in different ways.
What is the FDIC's role?Deposits are protected by the FDIC; examines and supervises financial institutions for consumer protection and safety; makes it possible to resolve large and complex financial institutions; likewise oversees receiverships.
What is the FDIC and how significant is it?The Federal Deposit Insurance Corporation (FDIC) is an independent government agency that safeguards insured deposits in the event of bank failure. The insurance provided by the FDIC is backed by the government of the United States. The National Credit Union Administration, which regulates and insures credit unions, is the other agency that provides deposit insurance to depositors in American depository institutions. The Federal Deposit Insurance Corporation is one of those two agencies .
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What are the 7 types of advertising?
The 7 Forms of Marketing & How They Benefit Businesses Advertising on social media. advertising for paid search. Print marketing. Public service announcements.
What are the main types of advertising?Different types of advertising, advertising for paid searches. marketing on social media. marketing that is native. Publicity on display. advertisements in print. public service announcements. advertising on the street. Product listing advertisements, display ads, demand-side platform ads, affiliate ads, native ads, social media ads, video ads, and email ads are the eight primary categories of online advertising. Consumer demands and requirements, cost to meet, ease of purchase, and communication make up the new 4Cs, which will replace the traditional 4Ps of marketing (Lauterborn, 1990).
You can choose between three different types of digital advertising: Advertisements on social media, display ads, and paid search ads. Advertising strategies can be divided into two categories: institutional advertising and product advertising. To promote a company's brand, institutions advertise. Evangelism, Experience, Everywhere, and Exchange are the "4Es" of marketing.
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What is a type of mediation that refers to the creation of new kinds of intermediaries that simply could not have existed before the advent of ebusiness? Multiple Choice disintermediation cybermediation interactivity reintermediation
Cybermediation is a type of mediation that refers to the creation of new kinds of intermediaries that simply could not have existed before the advent of ebusiness
According to Cybermediation, an extranet device can be used to restructure organisational relationships between entities and offer proof of the Internet's continual creative destruction of traditional business models. Examples of reintermediation include moving investment funds into secure bank accounts or reintroducing a middleman between a supplier and a customer. This expression, which means the opposite of disintermediation, is frequently used in connection with finance. Reintermediation can mean one of two things: taking money out of circulation Bringing back a middleman
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Computing real exchange rates Consider a basket of consumer goods that costs $100 in the United States. The same basket of goods costs 300 in Malaysia. Holding constant the cost of the basket in each country, compute the real exchange rates that would result from the two nominal exchange rates in the following table. Cost of Basket in Cost of Basket in Nominal Exchange U.S. Malaysla Rate Real Exchange Rate (Dollars) (Ringgit) (Ringgit per dollar) (Baskets of Malaysian goods per basket of U.S goods) 100 300 4.50 100 300 12.00
The real exchange rate is 4. The real exchange rate shows how the price of a basket of goods abroad has changed over time in comparison to the price of the same basket at home.
What is Real Exchange Rate?The nominal exchange rate (e) divided by the price-to-price ratio (P/P*) between the two nations is the real exchange rate (RER). As a result, the RER is eP*/P. Consider Germany's situation in relation to the United States.
The current price that consumers and businesses will pay to purchase a foreign product using their home currencies is known as the real exchange rate. For instance, if the current U.S.-Britain exchange rate was $138 U.S. dollars for one pound, an American consumer would require $1.38 to purchase one pound's worth of goods.
After conversion into a foreign currency, the real rate indicates how much more or fewer goods and services can be purchased abroad for a given amount than on the domestic market. In practice, changes in the real exchange rate are more important than changes in its absolute level.
the Formula of the real exchange rate is;
Nominal Exchange Rate ×Price prevailing in foreign country / Price prevailing in the domestic country
4.5 * 100/300= 1.5
So, 1.5 baskets of Malaysian goods per basket of U.S. goods.
When the nominal exchange rate is 12 Ringgit per dollar, the real exchange rate = 12 * 100/300 =4
Thus, 4 Malaysian goods per American goods basket.
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The question is as follows:
Which tool is most useful in helping Customer Service support sales strategies
Website
CRM
Remote Desktop:
Contact List
CRM is the tool that helps Customer Service support sales plans the most effectively.
Which tool is the most beneficial for supporting sales strategies through customer service?A CRM system is a crucial tool for providing excellent customer service. A CRM will not only give you the reports you require to keep track of your customer service, but it will also be able to assist you in streamlining and organizing your operations and marketing.
What do customer service CRM tools entail?With the help of a CRM tool, you can manage marketing campaigns, track service issues, identify sales opportunities, and store customer and prospect contact information all in one convenient location. You can also make data about every customer interaction accessible to anyone at your company who might need it.
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If the central bank can act as a lender of last resort during a banking panic, banks can
A. Call in their loans to their customers and eventually restore the publics faith in the banking system.
B. Borrow more and more money from the central bank and this will lower it's reserves and decrease the public's faith.
C. Satisfy customer withdrawal needs and eventually restore the public's faith in the banking system.
D. Encourage the public to borrow directly from the central bank and this will worsen the banking panic.
If the central bank can act as a lender of last resort during a banking panic, banks can Satisfy customer withdrawal needs and eventually restore the public's faith in the banking system.
Hence, Option C is correct
In the event that a bank's reserves fail to prevent a bank run, a lender of last resort can inject funds into the institution in an emergency so that customers seeking withdrawals can receive their money without causing a bank run that pushes the institution into insolvency.A lender of last resort provides liquidity to financial institutions that are experiencing financial difficulties. In most developing and developed countries, the lender of last resort is the central bank. The too-big-to-fail policy and the lender of last resort seek to avoid systemic risk, in which the failure of a few firms leads to the widespread failure of solvent banks. The too-big-to-fail policy and the lender of last resort must provide liquidity to banks during this period.To know more about banks here
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