The emphasis in those firms with a customer orientation is to meet consumer rather than on promotion and sales. Blank 1: wants, needs, demand, or expectations

When purchasing life insurance, larger amounts (ex: $500,000) have a lower cost per $1,000 of face than smaller amounts (ex: $100,000). The insurance company calls this price variation a premium rate.

The premium is the amount that the insurance company charges for the policy, and the premium rate is the amount per unit of insurance. A premium is a fee or sum of money that must be paid in exchange for purchasing an insurance policy, as well as other forms of security. An insurance policy is a deal between an insurer and the insured that offers financial security to the policyholder.

When purchasing life insurance, the cost is typically determined based on various factors, including the amount of coverage (face value), policyholder age, the policy's duration, health, and other elements. Larger amounts of insurance typically have lower premiums per unit of coverage than smaller amounts of insurance. This is because the insurance company spreads the risk among a larger group of policyholders, and it costs the company less to administer one larger policy rather than several smaller ones.

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The developmental cascade model involves connections across domains over time that influences developmental pathways and outcomes. This model suggests that individual characteristics, such as personality, have an effect on multiple domains, such as physical and cognitive, which can in turn influence other domains and lead to subsequent developmental outcomes.

The developmental cascade model is composed of three stages. First, the domain-specific characteristics of the individual, such as physical, cognitive, and social characteristics, form the foundation of the model. These characteristics influence the environment, which leads to the second stage. In the second stage, environmental factors, such as parenting style, influence the development of certain behaviors or abilities. Finally, the outcomes from the behaviors or abilities can then lead to additional changes in the individual’s environment and characteristics, resulting in a “cascade” of outcomes.

For example, an individual’s personality can affect their interactions with other people and the environment. If the individual is outgoing, for example, they might be more likely to join clubs or activities that can lead to the development of new skills. These new skills can then lead to further interactions with the environment that could then lead to further changes in the individual’s characteristics, leading to a developmental cascade.

Overall, the developmental cascade model is a useful tool for understanding the relationship between individual characteristics and environmental influences. It can help explain how individual characteristics influence development and how environmental factors can lead to subsequent developmental changes.

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The correct answer is A) $79,000 $36,700 $24,300. Net income for 2019 should be allocated to Dallas, Phoenix, and Tulsa based on the specified percentages in the question.

Dallas should receive 60% of the profits and losses, Phoenix should receive 30%, and Tulsa should receive 10%.

To calculate the total amount to be allocated, multiply the net income of $140,000 by the specified percentages: 60% for Dallas is $84,000, 30% for Phoenix is $42,000, and 10% for Tulsa is $14,000.

To account for the salaries and bonuses, subtract the salary amount from the total allocated:

$35,000 from Dallas leaves $49,000, $25,000 from Phoenix leaves $17,000, and $20,000 from Tulsa leaves $0.

To calculate the bonus, multiply the percentage by the salary amount and subtract it from the total allocated:

15% of the Dallas salary is $5,250, so the total allocated is $79,000 ($84,000 - $5,250).

No bonus is given for Phoenix or Tulsa, so the total allocated for Phoenix is $36,700 ($42,000 - $5,250), and for Tulsa is $24,300 ($14,000 - $0).

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The correct option is B, Within the communication process, decoding can best be described as interpretation.

Communication is the process of exchanging information, ideas, or feelings between two or more individuals. It involves the transmission and reception of messages through various channels, such as speech, writing, or non-verbal cues. Effective communication is essential for building relationships, conveying knowledge, and achieving goals in personal and professional contexts.

It can take many forms, including verbal, nonverbal, written, and visual communication, and can be influenced by factors such as cultural differences, language barriers, and technology. Good communication requires active listening, clear expression, and the ability to adapt to different situations and audiences. In today's interconnected world, communication plays a vital role in everyday life, facilitating collaboration, negotiation, and understanding between people from diverse backgrounds and cultures.

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A good internal control system for cash would require that those who handle cash should not be involved with the "reconciliation of bank balances", "management decisions", and "the accounting records". Options a, c, and d are the correct answers.

Internal control is a system designed to provide reasonable assurance regarding the achievement of objectives related to financial reporting, operations, and compliance. In the case of cash, a good internal control system should include separating duties to prevent fraud or errors. This means that the person handling cash should not be involved in the other aspects of cash management. Specifically, they should not be responsible for reconciling bank balances, making management decisions, or maintaining the accounting records. T

his helps ensure that there is a system of checks and balances to prevent mistakes or wrongdoing. Evaluating employees, however, can be a separate function that is not directly related to cash handling, so it is not necessary for this task to be separated from cash handling.

Therefore, options a, c, and d are the correct answers.

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The best tool for the automobile windshield manufacturer to verify their process is producing windshields of the appropriate thickness is a micrometer.

A micrometer is a precision measuring instrument that can measure the thickness of materials with great accuracy. It is often used to measure the diameter of small objects, as well as the thickness of sheets, wires, and other flat objects.

The micrometer consists of two curved jaws, connected by a spindle. When a sample is placed between the jaws, the spindle is used to rotate the jaws and measure the thickness of the material. This allows for accurate measurements, down to the smallest of increments.

With the use of a micrometer, the windshield manufacturer can easily measure the thickness of their windshields to ensure that their process is producing windshields of the appropriate thickness.

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A tippee is a person who learns of non-public information from an insider, and is generally viewed as a temporary insider.

A tippee is a person who learns of non-public information from an insider, and is generally viewed as a temporary insider.

In contrast to a controlling person, a tippee is somebody who gets confidential information from someone who is already an insider. A controlling person, as we know, is someone who is in charge of or oversees the activities of another person or group of people.

In finance, the term "issuer" refers to a company or government entity that sells securities to the public.

Dealers are businesses or individuals who purchase securities and then resell them for a profit.

An underwriter is a company or investment bank that assists in the issuance of securities to the public.

Insider trading refers to the buying or selling of securities by an insider who has access to material, non-public information about a company.

Insider trading is unethical, dishonest, and illegal, and it undermines confidence in the fairness and transparency of the capital markets.

Insiders, on the other hand, must follow specific rules and regulations when buying or selling securities in order to ensure that the playing field is level for all market participants. Insider trading can lead to hefty fines, legal penalties, and even imprisonment.

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The best definition for the term "collaborate" among the provided options is: "to work together."The verb "collaborate" refers to the action of working with others, usually on a common topic, activity, or objective.

To accomplish a common goal, individuals or groups must pool their resources, talents, and knowledge. When people work together, they actively participate, offer their knowledge and ideas, communicate honestly, and cooperate.

Collaboration frequently emphasises cooperation, respect for one another, and a sense of shared accountability. Each member contributes their particular skills and viewpoints as part of a team effort.

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There are two possible temporary differences that cause accounting income to differ from taxable income: deferred tax liability (DTL) and deferred tax assets (DTA).

Because the taxable income is higher than the accounting income, a DTL is produced. DTL is a tax expense that will be paid in the future.

Journal entry to record income taxes:

Accounting income is equal to pretax accounting income of $10 million, while taxable income is $12 million due to a single temporary difference. A deferred tax liability (DTL) is generated because taxable income is greater than accounting income. To record income taxes, a journal entry is made.

The formula for calculating income tax expenses is:

In conclusion, the appropriate journal entry to record income taxes is: "Debit income tax expense for $500,000 and credit deferred tax liability for $500,000."

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Conflict of interest is a situation wherein a professional's objectivity is compromised due to personal, financial, or other interests.

A conflict of interest exists when a professional service or relationship creates a situation that might impair completion of the audit, such as when an auditor is also a client, or if the auditor has a financial interest in the company undergoing the audit.

A conflict of interest also exists when a professional relationship creates a situation that might impair objective judgment, such as when an auditor has a close personal or familial relationship with a client. Lastly, professional skepticism fails to meet objective standards when an auditor fails to objectively assess the situation and instead relies on unfounded assumptions or beliefs.

All of these scenarios constitute a conflict of interest and can lead to biased results.

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The fully indexed rate on the loan in one year, assuming the initial rate on a 1/1 ARM is 11.50% and the loan has a margin of 265 basis points above LIBOR and after the loan is originated, the LIBOR is 9.5% would be 12.15%.

Given information:Initial rate on a 1/1 ARM = 11.50%

Loan margin above LIBOR = 265 basis points.

LIBOR after 1 year = 9.5%

Therefore, the fully indexed rate on the loan after one year can be calculated as:

Fully Indexed Rate = (Initial Rate) + (Loan Margin) + (LIBOR)

After 1 year, LIBOR is 9.5% and the loan has a margin of 265 basis points above LIBOR.

Therefore, the fully indexed rate on the loan after one year would be:Fully Indexed Rate = 11.50% + 2.65% + 9.5% = 12.15%

Therefore, the fully indexed rate on the loan in one year would be 12.15%.

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True, the four basic financial statements are the income statement, statement of retained earnings, balance sheet, and statement of cash flows. These documents provide a comprehensive picture of a company's financial position, activities, and profitability.

Financial statements are critical files that offer perception right into a company's economic performance. It includes four key types of financial statements: income statement, statement of retained earnings, balance sheet, and statement of cash flows.

An income statement reports a company's revenue and expenses over a particular period of time. The income statement reveals how much money the company generated and how much it spent on a specific activity.

The income statement helps stakeholders assess a company's profitability and ability to pay dividends.

A balance sheet provides a company's financial position at a particular point in time. The balance sheet provides information about a company's assets, liabilities, and equity.

The statement of cash flows reports a company's cash flow over a particular period. It provides information about the cash generated and spent by the company during a specific period. The statement of cash flows helps stakeholders assess a company's liquidity and ability to generate cash flow.

Hence the statement is true.

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Professionals with Hub MVSS respond best to language that is clear, confident, and direct. Presentations should focus on business logic, performance measures, and bottom-line results. It is also beneficial to present several options in a clear and concise manner.

To ensure that your presentation is well-received, it is important to provide relevant data and use precise language. When presenting the data, ensure that it is organized, easily understandable, and avoids jargon. Additionally, use relevant visuals such as graphs or charts to help explain your point. Additionally, it is important to be confident in your presentation and be prepared to answer any questions that may arise. Finally, it is important to be concise and to the point in order to keep your audience engaged.

In conclusion, professionals with Hub MVSS respond best to language that is clear, confident, and direct. Presentations should focus on business logic, performance measures, and bottom-line results. Presenting several options in a clear and concise manner is also beneficial. Additionally, be sure to provide relevant data, use precise language, and incorporate relevant visuals. Lastly, be confident in your presentation and be prepared to answer any questions that may arise.

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The Tournament Theory predicts that individual performance will be maximized when the pay differentials between job levels are large.

This theory suggests that higher pay rewards lead to increased motivation and therefore better performance. For example, when employees know they will receive a bonus for a job well done, they may be more likely to put forth the effort to exceed expectations.

Additionally, when pay differentials are large, employees may be more willing to compete for higher-level positions in order to gain access to greater pay rewards.

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As the price level increases, sellers have an incentive to increase their production and thus the quantity of goods and services supplied will increase in the short-run.

1. An increase in the price level results in an increase in the quantity supplied of goods and services in the short-run due to the law of supply. As the price level increases, sellers have an incentive to increase their production and thus the quantity of goods and services supplied will increase in the short-run.

2. If the size of the labor force is constant, unemployment will likely increase as the price level increases in the short-run. This is because as the price level rises, it reduces the real wages of workers, making it less profitable for employers to hire and increasing unemployment.

3. Wages are more rigid (or sticky) when price level falls rather than when price level increases because workers are less likely to accept pay cuts due to their expectations of higher wages in the future. When the price level increases, however, workers are more likely to accept a pay increase to adjust for inflation.

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The approval process that you would most likely need to follow to get your swabs on the market would be to follow the regulatory approval process set by the US Food and Drug Administration (FDA).

It corresponds to an American government agency that establishes safety and efficacy standards for products such as medical devices, which must be approved by the regulatory agency before being placed on the market.

Therefore, to market such a product, the company must initiate the approval process regulated by the FDA agency.

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The characteristic of the center-for-global strategy is that "greater specialization and economies of scale in R&D activities are achieved". Option C is the correct answer.

The center-for-global strategy is a system that allows for greater specialization and economies of scale in R&D activities. When companies have a central location for these activities, it saves time and money. In comparison to numerous divisions attempting to create and develop innovation on their own, a center-for-global strategy is more efficient.This centralized approach to innovation has a number of advantages, including:

Cost reductions occur as a result of economies of scale. Specialization enables deeper expertise in a specific field. Best practices are shared and can be applied throughout the company. Proprietary technologies are protected and shared with all units. The potential for the commercialization of new technologies is increased.

Thus, option C is the correct answer.

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When determining how large to make a visual, the main consideration is "how important and complex the information in the visual is." Thus, Option B is correct.

Additionally, factors such as how much room you will need for borders, whether the visual will be in color or black and white, and how many pages you need your report to be can also be taken into account.

Visual communication is defined as the process of exchanging information and ideas through visual aids. It involves combining text, images, and other graphics to communicate effectively. Visual communication is a crucial aspect of communication because it allows the receiver to get a better understanding of the message being conveyed.

Determine the size of your visual by considering how important and complex the information in the visual is. If the information is complex, the visual should be larger to allow for more details to be included. If the information is less complex, the visual can be smaller.

The size of a visual is not determined by the number of pages you need your report to be, how much room you will need for borders, whether the visual's content is negative or positive, or whether the visual will be in color or black and white.

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The correct answer is: (B) "Noncommunicable disease mortality later in life is becoming increasingly common."

Noncommunicable diseases (NCDs) such as heart disease, cancer, diabetes, and chronic respiratory diseases are a major cause of death and disability worldwide, including in developing countries. Early mortality from NCDs can certainly limit economic growth, as it can result in a loss of productivity and an increased burden on healthcare systems. However, it is more likely that NCD mortality later in life is becoming increasingly common, as populations in developing countries are aging and facing greater exposure to risk factors such as unhealthy diets, physical inactivity, tobacco use, and air pollution.

This trend can also have significant economic implications, as it can result in increased healthcare costs and reduced productivity among older workers.

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The price of an item that presently sells for $21 bring 15 years later at a 9.5% inflation is $81.93.

According to the given information, an economist has predicted 9.5% inflation during the next 15 years. Hence, the present value of an item which is $21 will increase by 9.5% per year for 15 years.

To find the future value of the item, we can use the formula:

FV = PV × (1 + r)^n

Where FV = Future Value, PV = Present Value or Initial Investment, r = Interest rate per year, and n = number of years.

Substitute the given values in the formula:

FV = $21 × (1 + 0.095)^15

FV = $21 × 3.90132

FV = $81.9277

The future value of the item which presently sells for $21 will be $81.93 after 15 years (rounded to 2 decimal places).

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Recent trends that might lead managers of multinational corporations (MNCs) to adopt a more decentralized strategy for their operations would include all of the following EXCEPT B, i.e., consumers around the world are increasingly willing to trade off idiosyncratic preferences in product features for lower prices.

What is Decentralized Strategy?

A decentralized strategy is a management approach that distributes decision-making power across a company's operations, rather than relying on top-down control. Decentralization usually results in faster decision-making, a more adaptive company culture, and more satisfied employees, among other benefits.Recent trends that might lead MNCs to adopt a more decentralized strategy for their operations include the following:International customers' needs, interests, and tastes are becoming increasingly homogenized or similar.Flexible manufacturing trends have allowed a decline in the minimum volume required to reach acceptable levels of production efficiency. Cultural globalization and technological standards diffusion across countries are resulting in increased similarities in lifestyles and preferences in an increasing number of countries around the world.Trends in information technology have made it easier for MNCs to decentralize their operations effectively. By utilizing different tools, such as cloud-based software, companies can create a decentralized work environment that allows their employees to work from anywhere.]

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When conducting a survey about choosing vacation destinations, Hillary will need to assure consumers that their individual responses will be kept confidential in order to get reluctant respondents to provide honest information. This statement is true.

A survey is a research method that gathers data from a population by using various data collection techniques. A survey is often used to identify and explore views, behaviors, and experiences in detail. Individuals may be unwilling to respond to questions honestly if they think their answers may be revealed to others.

The benefit of a survey is that it provides an opportunity to collect confidential responses from participants. A survey creator must make it clear to the respondents that their individual responses will be kept confidential to ensure that they feel comfortable and secure in their responses. If participants believe that their answers will be used against them, they are less likely to provide accurate responses.

As a result, Hillary will need to assure consumers that their individual responses will be kept confidential in order to get reluctant respondents to provide honest information while conducting a survey about choosing vacation destinations. It will assist in gathering accurate data, and people will feel more secure and willing to provide their responses without hesitation.

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The tax consequences of this bad debt to Mr. Ahmed are that he is eligible to claim a non-business bad debt deduction on his tax return.

It is given that six years ago, Mr. Ahmed loaned $10,000 to a neighbor in exchange for an interest-bearing debt obligation and the neighbor informed Mr. Ahmed that he was defaulting on the debt. The tax consequences to Mr. Ahmed of this bad debt are that Mr. Ahmed has an option to claim a non-business bad debt deduction on his tax return.

If Mr. Ahmed's loan to his neighbor satisfies the requirements of a non-business bad debt, he may claim a deduction on his tax return. The IRS defines a non-business bad debt as a debt which is created or acquired for investment, personal, or family purposes. It does not include bad debts which arise from operating a business. A non-business bad debt is a debt that is completely worthless and that has no value or prospects of repayment.

The non-business bad debt deduction allows taxpayers to claim a tax deduction for certain types of debt that are considered worthless or unrecoverable. A taxpayer can claim a non-business bad debt deduction when the debt they are owed is deemed to be worthless by the end of the year.

In order to prove that the debt is completely worthless, Mr. Ahmed must be able to show that he made every reasonable effort to collect the debt. He must also be able to show that he does not expect to collect the debt in the future. Once Mr. Ahmed is able to show that the debt is completely worthless, he can claim the deduction on his tax return. The amount of the deduction will depend on the amount of the debt and Mr. Ahmed's tax rate.

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The following exchanges qualify as like-kind exchanges:

a) Asset Given Up: Office building in Chicago, IL

Asset Received: Office building in Green Bay, WI used in the business

b) Asset Given Up: Large warehouse on 2 acres

Asset Received: Small warehouse on 22 acres

The exchange involving the office buildings and the exchange involving the warehouses meet the criteria for like-kind exchanges.

Like-kind exchanges refer to transactions in which assets of similar nature or character are exchanged for one another without triggering immediate tax consequences. In such exchanges, the property being given up (relinquished property) and the property received (replacement property) must qualify as like-kind, meaning they are of the same nature or class.

The purpose of like-kind exchanges is to allow taxpayers to defer the recognition of capital gains or losses that would otherwise be triggered by the sale or disposition of the property. These exchanges are governed by specific rules and regulations outlined by the tax authorities.

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The unemployment rate is approximately 8.49%.

The unemployment rate can be calculated using the formula:

  Unemployment rate = (number of unemployed individuals / labor force) × 100%

Here, the number of unemployed individuals can be calculated as follows:

  Number of unemployed individuals = Labor force − Number of employed individuals

In the given problem,

  Labor force = Number of individuals in the civilian labor force = 154 million

  Number of employed individuals = 140.9 million

Therefore, the number of unemployed individuals = 154 million − 140.9 million = 13.1 million

Substituting the values in the formula, we get:

  Unemployment rate = (13.1 million / 154 million) × 100% ≈ 8.49%

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In a family business, stability, diversity, and adaptability are valued highly. (Choice b)

A business empire is a commercial enterprise where decision-making is impacted by several members of a family, who are linked by blood, marriage, or adoption and who have the capacity to shape the direction of the enterprise and the motivation to do so in order to accomplish particular objectives.

Any company where at least two family members have a stake and where the family has the majority of the ownership or control is said to be family-owned.

Family-owned businesses are more nimble, able to make decisions more quickly, and can respond by entering markets more swiftly because they are in charge of their own operations.

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The marginal propensity to consume (MPC) in the country of Trivia is 0.75, which means that for every $1 increase in spending, there is a 0.75 increase in GDP.

This means that a one-time increase in spending of $50 billion would result in a $37.5 billion increase in GDP ($50 billion x 0.75 = $37.5 billion).

This is because the MPC is the ratio of the change in consumption to the change in disposable income, which measures how much of an increase in income will be spent on additional consumption.

The increase in GDP is due to the increase in consumption, as additional consumption leads to an increase in aggregate demand and, consequently, an increase in GDP.

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The statement is true, "Burt has contracted with Mel to put a concrete driveway on Mel's property. If Burt delegates the duty of laying the driveway to Chuck, and Chuck does an unacceptable job, Mel may sue Burt for damages."

A delegate is someone who is given responsibility or authority to perform a specific task, which is an agreement in which one party grants a power to another party to perform an act on behalf of the grantor.

As a result, if the delegate is unable to complete the task, the grantor may sue the grantee for damages.

Therefore, if Burt delegates Chuck to lay the driveway and Chuck does an unsatisfactory job, Mel may sue Burt for damages. Mel has a valid legal claim against Burt in this situation.

As a result, it is true that if Burt delegates the obligation of laying the driveway to Chuck and Chuck does an unsatisfactory job, Mel may sue Burt for damages.

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The present value of the cash flows is $25,192.87.A net present value (NPV) of -$24,807.13. This indicates that the investment is still unprofitable, and if we have the chance, we should sell the asset for $13,000.

The financial concept of Present Value (PV) is used to determine the current value of a future sum of money based on a particular interest rate or discount rate, which may be received or paid out over time.

We can use the formula to calculate the present value of the future cash flows with a discount rate of one percent if the market rate is currently 1% and is anticipated to remain at 1% for the next six years.

In year 1, the cash flow is still $12,800. In year 2, the cash flow is $7,680 * 0.6 = $4,608. In year 3, the cash flow is $4,608 * 0.6 = $2,764.80, and so on. The cash flow in year 6 is $831.56.

The present value of these cash flows at a discount rate of 1% is:

[tex]PV = \$12,800 / (1 + 0.01)^1 + \$4,608 / (1 + 0.01)^2 + \$2,764.80 / (1 + 0.01)^3 + \\\\$1,658.88 / (1 + 0.01)^4 + \$995.33 / (1 + 0.01)^5 + \$831.56 / (1 + 0.01)^6[/tex]

PV = $25,192.87

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