Answer: Test marketing
Explanation:
how can only paying attention to the monthly payment benefit the lender
The whole cost of your loan is hidden if you only think about your monthly installments. You should consider the entire cost of borrowing when taking out any loan, not the monthly payment.
What is the advantage of monthly payment?They have immediate access to money when they need to pay an urgent bill, they get to pick their own pay dates so that they can meet their regular financial obligations, and they can manage their own pay processes without the aid of payroll.
Why do companies prefer monthly payments?Due to the benefits of a monthly billing cycle, customer acquisition costs are frequently cheaper as the sales cycle is shortened. You get the chance to interact with clients on a daily basis and find out if they use your items.
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What information is on an ATM receipt?
The information on an ATM receipt contains the name of your bank, your available balance, the amount of your transaction, and the last four digit of your account number.
In case you are deciding to withdraw the money from another bank's ATM, it makes sense in order to ask for an ATM receipt. As this tends to become the transaction proof, which is in use in case of a glitch of having received less or no cash, or any other issue.
However, by depending on the ATM, sometimes the receipt will tend to print a ledger balance and then an available balance. Thus. the available balance is the amount which your financial institution indicates that is available to you for debit transactions.
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Joan is the proprietor of a manufacturing company. She purchased a machine worth $1,000 for the business on credit. How will this transaction affect the accounting equation? A. Assets ↑ (1,000) = Liabilities↑ (1,000) + Owners’ Equity B. Assets = Liabilities ↑ (1,000) + Owners’ Equity ↓ (1,000) C. Assets ↑ (1,000) = Liabilities + Owners’ Equity ↓ (1,000) D. Assets = Liabilities ↑ (1,000) + Owners’ Equity ↑ (1,000)
The effect of the purchase of the machine by Joan, on the accounting equation, is A. Assets ↑ (1,000) = Liabilities↑ (1,000) + Owners’ Equity
How is the accounting equation affected ?The accounting equation is:
Assets = Liabilities + Owner's equity
When Joan purchased a machine, this would go to the assets as machinery are fixed assets. As the assets increase, there would need to be a source of this increase.
In this case it is liabilities as Joan bought the machine on credit which means the company now owes money for the purchase of the machinery.
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What happens due to fluctuations of the phosphorus cycle in aquatic ecosystem?
Phosphorus is often the limiting nutrient or the most deficient nutrient, limiting the growth of aquatic ecosystems. When nitrogen and phosphorus from manure runoff into lakes and oceans, eutrophication.
Phosphorus is an essential nutrient for all living organisms. It is a key component of our DNA and all living organisms require a daily intake of phosphorus to produce energy. It cannot be replaced and there are no synthetic substitutes.
There is no life without phosphorus. It plays an important role in cell development and is a key component of energy-storing molecules such as ATP (adenosine triphosphate), DNA, and lipids (fats and oils). Too little phosphorus in the soil can reduce yields.
Phosphorus (P) often limits the primary productivity of aquatic systems. Humans have altered phosphorus cycling in aquatic systems both directly by mining phosphorus-rich rocks and indirectly by manipulating other elemental cycles to modify aquatic food webs.
Too much phosphorus can promote the growth of algae and large aquatic plants and reduce dissolved oxygen levels. This is a process known as eutrophication. High levels of phosphorus can also cause algal blooms that produce algal toxins that are harmful to human and animal health.
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Subodh is a wholesaler of A4 Photocopy Paper. He purchases paper in bulk quantities, which enables the manufacturer to take advantage of economies of scale. Subodh purchases paper from manufacturers on cash basis and sometimes even give advance money for bulk orders. As Subodh is in direct contact with the retailers, he keeps informing the manufacturer about the changes in customers' preferences, market conditions, etc. Identify the 'Services of Wholesalers to Manufacturers being provided by Subodh by quoting lines from the given case.
Answer: The services provided by Subodh are 1. Facilitating large-scale production, 2. Collection of market information.
Explanation:
1. Facilitating large-scale production: Wholesalers cheaply purchase goods in bulk from manufacturers, enabling the manufacturer to take advantage of the economies of scale."He purchases paper in bulk quantities, which enables the manufacturer to take advantage of economies of scale."
2. Collection of market information: Retailers buy goods from wholesalers for sale to customers, so Wholesalers are in direct contact with the retailers who tell them the customers` changing preferences, prevailing market conditions, and demand for goods by the customers. This helps manufacturers to produce goods according to the growing demand of the customers and thus stay relevant in the market.
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What is the main function of regulation?
People, businesses and environment are protected,benefited by regulation, which also supports economic progress. The main ways that the government can accomplish its policy goals is through regulation.
What purpose does a regulation serve?Regulation is the process by which public sector organizations impose limits and limitations on specific activity. In order to accomplish its goals, the government imposes obligations on businesses and persons in the private sector. These include better and more affordable products and services, safeguards for current businesses against "fair" (and unfair) competition, cleaner air and water, and safer products and workplaces.
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Which of the following best describe the auditing and monitoring programs of the Sales Development Action Program (SDAP)
Sales Integrity monitors data pertaining to the sale of Cigna products and potential violations of state, federal or Cigna policy.
What is an audit program?An audit program is also referred to as audit plan and it can be defined as a series of directions that an auditor and his or her team members must follow, in order to achieve the proper execution of an auditing process.One flex card solution for Cigna Medicare customers' to access multiple supplemental benefits. PPO plans. Cigna provides well-publicized disciplinary standards.The activities currently in place to evaluate the effectiveness of mitigation/management activities for each sub-risk.Auditing represents evaluation activities completed by individuals independent of the process on a periodic basis and monitoring represents evaluation activities completed by individuals who may not independent of the process on a routine or continuous basis.Use a firewall. Install antivirus software. Install an anti-spyware package. Use complex passwords. Keep your OS, apps and browser up-to-date. Ignore spam. Back up your computer. Shut it down.To learn more about Sales Development Action Program refer to;
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How can the government reduce the wealth gap in a market economy?
By putting restrictions on how much citizens can earn, the government can narrow the wealth gap in a market economy.
Define wealth gap in a market economy and its reduction method?American politics across the political spectrum have been shaken by the rise in income inequality and the struggles of so many families to succeed.
Enhancing human capital:
This includes having access to reasonably priced healthcare, employment training, apprenticeships, and vocational education. Improved basic education is of utmost importance, starting with programs for 3- and 4-year-olds in prekindergarten.Increasing pay and returns:
For low-income workers, employment can be made more lucrative by the government.There are other, more limited options besides raising the minimum wage.Changing corporate governance.
Recent decades have seen a decline in the influence of workers in economic decision-making and an increase in the influence of business owners as a result of the rise of "shareholder capitalism" in the American system. The social contract is mutable by both government and business.To know more about the wealth gap, here
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What is the difference between an IRA and a 401 K )?
A 401(k) is a retirement account that you open via your company, whereas an IRA is a retirement account that you open on your own. Both IRAs and 401(k)s provide both regular and Roth choices, with the former requiring pretax contributions and the latter post-tax ones.
Although both accounts are used to save for retirement, a 401(k) is a specific kind of employer-sponsored plan with its own set of regulations. On the other hand, a traditional IRA is an account that the owner creates on their own, independent of their employment. Depending on the person, a 401(k) or an IRA may be a better option. Pretax contributions to a 401(k) are higher than those to an IRA each year. However, an IRA typically has more investment possibilities, giving the account's owner more freedom and flexibility. Keep in mind that a person can possess both.
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What are constant expenses called?
Fixed Expenses, these expenses occur at predictable intervals, typically monthly.
What Do Fixed Expenses Entail?Car, mortgage, rent, insurance, and property tax payments are examples of common fixed expenses. Usually, it is difficult to change these costs. On the bright side, since they are regularly paid and typically remain the same, they are simple to budget for.
Even while it can appear like spending and liabilities are the same thing, they're not. The monthly payments your business makes to fund operations are referred to as expenses. The commitments and debts owing to other people are known as liabilities.
An expense that fluctuates in relation to production output or sales is referred to as a variable cost. Variable costs rise in response to rising production or sales, and fall in response to falling output or sales.
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in what year did the us last experience double digit inflation?
United States had two years of back-to-back double-digit inflation. It happen on 1974 and 1979-80 or known as World War I.
In economy, Inflation generally can be defined as the rate of increase in prices over a given period of time. Inflation is typically a broad measure, such as the increase in the cost of living in a country or also the overall increase in prices. United States had two years of back-to-back double-digit inflation. It happen on 1974 and 1979-80 or known as World War I. in March and April of 1980, The inflation rate hit a record high of 14.6%.
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Collateral agreements for a note or bond can: Multiple Choice
O Reduce the risk of loss in comparison with unsecured debt.
O Increase the risk of loss in comparison with unsecured debt.
O Have no effect on risk.
O Reduce the issuer's assets.
O Increase total cost for the borrower.
Option (a), In comparison to unsecured debt, collateral agreements for a note or bond might lower the risk of loss.
Why is unsecured debt more dangerous than secured debt?An unsecured loan is one that has no collateral attached to it. Since there is no collateral to provide as security for unsecured debts, lenders may view them as riskier than secured debts. That suggests that approval criteria might be stricter and interest rates might be higher.
Exists any bond collateral?The security for a specific type of financial instrument known as a secured bond is a specific asset that the issuer owns. For the loan, the object is pledged as security. In the event of an issuer default, the bondholders will acquire legal ownership of the asset.
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What is the difference between an excise tax and a sales tax excise taxes are collected by the state and sales taxes are collected by cities?
State governments have the authority to impose sales taxes. The tax rates can be established by counties, municipalities, or cities. Through higher pricing for the goods they purchase, customers are subjected to indirect excise taxes.
What distinguishes sales tax from excise tax?Sales tax and excise tax are fundamentally different in two ways. First, it only applies to certain products. Unlike excise taxes, which are applied to specific commodities, sales taxes are generally only applicable to certain purchases, such as unprepared food and apparel.
First off, if a product is consumed in large quantities, an excise tax on it may be a smart way to raise money without running the political risk of raising the income or sales tax. Second, a significant portion of excise taxes are collected and utilized to support the infrastructure used by individuals paying taxes.
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How do we know if an industry is oligopolistic or monopolistically competitive?
An oligopoly is a market in which only a few sellers exist. Monopolistic competition occurs when there are numerous sellers but the products are highly differentiated.
An oligopoly is a market in which a small number of firms recognise their interdependence in pricing and output policies. Because the number of firms is small, each firm has some market power. Oligopoly occurs when a few large firms control all or most of the sales in an industry. The auto industry, cable television, and commercial air travel are all examples of oligopoly. Monopolistic competition can be found in industries such as restaurants, hair salons, household goods, and clothing.
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Another name for a substandard risk classification is
A. Elevated
B. Rated
C. Controlled
D. Decline
The right response is B. Rated. A different term for a substandard risk categorization.
Two further names for inferior risk categories are impair risk and life insurance with a table rating. People with significant health problems are categorised as posing a low risk. Depending on their risks, these individuals can be compelled to pay an extra cost or a "table rating" to the issuing life insurance company. The three risk groups that insurance companies employ the most commonly are super preferred, preferred, and standard. The specific qualifications might differ from company to company, even though the standards for each class don't. If applicants don't meet the prerequisites for these classes, they risk being classified as substandard.
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Norton Inc. could improve its current ratio of 2 by:
Multiple Choice
a. purchasing inventory on credit.
b. selling merchandise on credit at a profit.
c. writing off an uncollectible receivable.
d. paying a previously declared stock dividend.
Selling products on credit at a profit would help Norton Inc. raise its current ratio from 2.
Credit profit: What is it?In general, the credit balance shown in the owner's or stockholders' equity portion of the balance sheet represents the owners' investments in the business plus earnings less distributions to owners from the company's founding.
A profit—is it a credit or a debit?According to the "double entry" accounting method, credits (CR) represent income items in the profit and loss account and debits represent expenses (DR). A credit in the profit and loss account represents a net profit. In the profit and loss account, a net loss results in a debit.
Why do we provide profit credit?All of the year's receipts and outlays are listed in the profit and loss account. While all income is recorded on the credit side, all expenses are reported on the debit side. Profit is indicated when the credit side is greater than the debit side.
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If the Commission makes a final order against a licensee following a hearing, what action, if any, can the licensee take
The licensee's primary place of business or residence is the Circuit Court where the appeal will be heard.
When may brokers make a claim against the Florida Real Estate Recovery Fund?A claim must be filed for compensation within two years after the act that gave birth to the claim, or within two years of the time the act is found or ought to have been discovered with reasonable care.
The licensee's primary place of business or residence is the Circuit Court where the appeal will be heard.
In the event that the application is approved, the applicant will be compensated for any actual and direct (out-of-pocket) losses they incurred in a transaction, up to a statutory maximum of $50,000 per transaction and a potential total aggregate maximum of $250,000 per licensee.
Following the filing of your statement of claim against an estate, the personal representative of the estate will either pay the claim, contest the claim, or make an effort to settle the claim for a lesser sum. Objections to your claim may also be submitted by other parties with a stake in it, such as beneficiaries.
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What is the most common political reason for trade barriers?
The most frequently cited political justification for trade barriers is job protection. The process by which foreign producers can "dump" their goods onto the domestic market.
Legal restrictions known as trade barriers are usually implemented to safeguard a country's domestic economy. The amount of products and services that can be imported is often reduced. These trade restrictions, which typically take the form of tariffs or levies, favor governments, domestic producers, and national interests at the expense of consumers.
The process by which foreign producers can "dump" their goods onto the domestic market for substantially less money than domestic producers are willing to charge is referred to as "dumping" in this context. A foreign producer can decide to dump their goods into another economy for one of two reasons. The most frequently cited political justification for trade barriers is job protection.
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Damian i monitoring the temperature of the wimming pool. It i currently 86. 8 degree and cooling 0. 5 degree per minute. After how many hour will the wimming pool be 80. 8 degree
It will take 1 hour and 12 minutes for the temperature of the pool to reach 80.8 degrees.
The temperature of the swimming pool is currently 86.8 degrees, and cooling at a rate of 0.5 degrees per minute.
To calculate how many hours it will take for the temperature to reach 80.8 degrees, we need to first figure out the difference between the starting and ending temperatures.
The difference between the starting temperature and the desired ending temperature is 6 degrees.
86.8-80.8=6
Since the pool is cooling at a rate of 0.5 degrees per minute, it will take 12 minutes for the temperature to drop by 1 degree.
To drop by 6 degrees, it will take
12 × 6 = 72 minutes
Or 1 hour and 12 minutes.
Therefore, it will take 1 hour and 12 minutes for the temperature of the pool to reach 80.8 degrees.
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A focused low-cost strategy seeks to achieve competitive advantage by:
A targeted low-cost strategy aims to gain a competitive edge by providing lower-cost and more affordable services to customers in a certain segment of the overall market (the target market niche).
What does focused low-cost approach entail?a targeted low-cost strategy that focuses on a specific customer base (or market niche) and outperforms competitors by having lower expenses than competitors and thus being able to provide niche members with services at a lower cost.
What competitive advantage does reduced cost have?Due to lower production costs, low-cost strategies allow businesses to provide their goods and services at a lower cost than those of their rivals, giving them a competitive edge over their rivals.
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Amira is going to invest in an account paying an interest rate of 2. 1% compounded quarterly. How much would amira need to invest, to the nearest ten dollars, for the value of the account to reach $880 in 9 years?.
Amira is going to invest in an account paying an interest rate of 2. 1% compounded quarterly. Amira needed to invest, to the nearest ten dollars, for the value of the account to reach $880 in 9 years is $724.78.
Given information:
The investment will eventually be worth $880.
P stands for the main sum, or the initial investment.
r = 0.021 is the yearly interest rate expressed in decimal form.
n = How many times interest is compounded annually.
t = The number of years is 9
A = [tex]P(1 +\frac{r}{n})^{nt}[/tex]
$880 = [tex]P(1 +\frac{0.021}{4})^{36}[/tex]
P = $880 ÷ [tex]P(1 +\frac{0.021}{4})^{36}[/tex]
P = $880 ÷ [tex](1.00525)^{36}[/tex]
P = $880 ÷ 1.214058
P = $724.81 (approx)
Therefore, Amira would need to invest approximately $724.78, rounded to the nearest ten dollars, for the value of the account to reach $880 in nine years.
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A corporation is created by obtaining a charter from a state government. A charter application usually most be signer by the prospective stockholders called incorporators or promoters and then filed with the proper state official. when the application process is complete and fees paid, the charter is issued and the corporation is formed. Investors then purchase the corporation;s stock, meets as stockholders, and elect a board of directors. Directors oversee a corporation's affairs.
The founders manage the business of the company. Incorporation can mean the formation of one of many legal structures, such as a Limited Liability Company (LLC), a C Corporation (C Corporation), or an S Corporation. The formation of a corporation is a legal process to form a company or group of companies.
What does a corporation mean?A group of people can come together to legally form a corporation to do business and run a commercial or industrial venture. Depending on its jurisdiction's corporate legislation, a corporation may be set up in a variety of ways for tax and financial liability reasons.
Can you call a business a person?Many of the same legal rights and obligations that apply to individuals also apply to businesses. They have legal authority to make agreements, lend and borrow money, file lawsuits, hire staff, possess property, and pay taxes. A company may be referred to as a "legal person" by some.
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What are the 4 types of profit?
The four types of profit are gross profit, operating profit, profit before tax and net profit.
Gross profit is the total profit a company has after deducting cost of goods sold from total revenue. This is the highest level of profit and is a good indicator of the company's cost efficiency.
Operating profit is total profit after subtracting cost of goods sold and operating expenses from total revenue.
Profit before taxes is the total profit after deducting cost of goods sold, operating expenses and other non-operating expenses from total revenue.
Net profit is the total profit after deducting all expenses from total revenue. This is considered the "bottom line" and is the ultimate measure of the company's performance.
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What is another word for subsidy?
Answer:
Funds, money, or assests.
Explanation:
What is the difference between tertiary and quaternary consumers?
The type of customers that each consumes is what separates quaternary and tertiary consumers. While quaternary consumers eat secondary consumers, secondary consumers eat tertiary consumers.
Who do consumers of the quaternary eat?They prey on tertiary consumers, which they then ingest. Quaternary consumers are typically the apex predators in their ecosystems. As tertiary and secondary consumers, for example, these animals primarily feed on or devour species that are lower on the food chain than they are. Quaternary consumers serve as the ecosystem's apex predator because there are no other predators in their environment. They have the power to control the population of the trophic levels below them since they are at the top of the food chain. The tertiary consumers may eat both primary and secondary consumers and may be wholly carnivorous or even omnivorous.
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Company folktales and stories frequently
Multiple Choice
O capture a significant part of a company's culture.
O articulate a company's strategic vision and strategic intent.
O are indicative of a company's openness in sharing its financial performance and strategic plan with all staff members.
O document troublesome customers who return products or who encounter problems with deliveries.
O mirror formal documentation about what are a company's best practices and performance benchmarks.
Company folktales and stories frequently capture a significant part of a company's culture.
Because they aid in defining the values, beliefs, and behaviors that are crucial to the organisation, company folktales and stories play a significant role in a company's culture. They assist to convey the history of the business and to create a shared understanding of what is meaningful and valuable to the firm.
The mission and vision of the organisation are reflected in these tales, which can also be utilised to teach crucial lessons to staff members. They can also be used to assist employees to feel a sense of community, identification, and belonging, which can boost morale, drive, and productivity. They can be passed on to new hires and future generations and are also a means of preserving the company's culture and tradition.
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A 6-inch peronal pizza ha 590 calorie. A 12-inch pizza i cut into 8 lice. Etimate the number of calorie in one lice of a 12-inch pizza. Round your anwer to the nearet calorie
The estimated number of calories in one slice of a 12-inch pizza is 738.
This is calculated by multiplying the 590 calories in a 6-inch pizza by 8 (the number of slices in a 12-inch pizza), resulting in 4720 calories.
590×8= 4720
This is then divided by 8 to get the estimate of 590 calories per slice. The answer is then rounded to the nearest calorie, which is 738.
It is important to note that the exact number of calories in a slice of a 12-inch pizza will depend on the specific toppings used and the type of crust.
For example, a slice of a 12-inch pizza with a deep-dish crust and topped with sausage, pepperoni, and extra cheese will contain more calories than a slice of a 12-inch pizza with a thin crust and only cheese. Additionally, the amount of oil and other ingredients used in the pizza dough can also affect the calorie count.
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A Purchase Order usually does not include:
A. Selling price.
B. Quantity ordered.
C. Purchaser name.
D. Purchase price
A Purchase Order usually does not include the Purchase price. Thus, option D is appropriate.
A purchase order is a formal legal document that a buyer uses to place an order with a supplier. The items, quantities, prices, as well as credit terms for purchase from the supplier, are all specified in a buy order. When a seller accepts a purchase order, it turns into a contract that must be followed.
A purchase order, commonly referred to as a PO, is a legal document that a buyer issues to a seller describing the kinds, quantities, and prices of products or services that are required. It is used to control the purchase of services and products from independent suppliers.
Thus, option D is correct.
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Which of the following statements best describes the study of economics?Economics studies how:a. to organize production so that scarcity does not occur.b. to create incentives so that scarcity does not exist.c. firms make profits.d. we make choices in the face of scarcity.
(D) we make decisions in the face of scarcity.Economics is a social science that studies the behavior and interaction of individual economic agents, consumers,producers, and the government.
The subject of economics has two main branches microeconomics and macroeconomics.Become a Study.com member to in economics we study that resources are scarce.The The economy,in general,is understood as the study of how individuals and society make decisions in the face of scarcity of resources, having alternative uses,to achieve maximum satisfaction.It often involves topics like wealth and finances,but it's not just about money.Economics is the study of how individuals and societies choose to allocate scarce resources, why they choose to allocate them that way,and the consequences.
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An independent auditor must have which of the following?
O Experience in taxation that is sufficient to comply with generally accepted auditing standards.
O The ability to exercise sound professional judgment.
O A pre-existing and well-informed point of view with respect to the audit.
O A background in many different disciplines.
Independent auditors must possess (B) the ability to make informed business decisions.
What is an Auditor?An auditor is a person or a corporation that a company hires to carry out an audit.
A person must be qualified by the organization that oversees accounting and auditing, as well as meet other requirements, in order to operate as an auditor.
Generally speaking, a person needs a certificate of practice from the regulatory body in order to serve as the company's external auditor.
An auditor is a specialist type of accountant who examines financial statements and confirms the accuracy of other accountants' work.
Auditors primarily operate in two contexts: To conduct an outside audit of a company, external auditors are hired.
For independent accounting businesses, many people work.
An independent auditor needs to be able to make wise professional decisions.
Therefore, independent auditors must possess (B) the ability to make informed business decisions.
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Complete question:
An independent auditor must have which of the following?
A. Experience in taxation that is sufficient to comply with generally accepted auditing standards.
B. The ability to exercise sound professional judgment.
C. A pre-existing and well-informed point of view with respect to the audit.
D. A background in many different disciplines.