TRUE/FALSE.The proper cutoff of inventories is best achieved when receiving reports and purchase invoices surrounding the year-end are examined.

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Answer 1

The statement The proper cutoff of inventories is best achieved when receiving reports and purchase invoices surrounding the year-end are examined is true as   The proper cutoff of inventories is best achieved when receiving reports and purchase invoices surrounding the year-end are examined.

This is because the cutoff date for inventory is typically the end of the accounting period, and any inventory received or shipped before or after that date should be accounted for in the appropriate period

. By examining receiving reports and purchase invoices, a company can ensure that inventory is properly accounted for in the correct period and that the inventory balance reported in the financial statements is accurate.

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which of the following is more likely to be a problem in a presidential system than in a parliamentary system?

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In a presidential system, a policy disagreement between the legislative and executive branches can lead to a gridlock that restricts lawmaking for a long period, even if the executive has become unpopular with the electorate. (option 1)

This is because the president is directly elected and has fixed terms, which can make it difficult to remove him/her from power even if the legislature has a different agenda. In contrast, in a parliamentary system, the executive is drawn from the legislature, and the legislature can pass a vote of no confidence to remove the executive if needed. This makes it easier to resolve policy disagreements and prevent long-term gridlock.

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Complete Question:

which of the following is more likely to be a problem in a presidential system than in a parliamentary system?

a policy disagreement between the legislative and executive branches can lead to a gridlock that restricts lawmaking for a long period, even if the executive has become unpopular with the electorate. a policy agreement between the legislative and executive branches can lead to a gridlock that allows lawmaking for a long period, even if the executive has become unpopular with the electorate.

TRUE/FALSE.The primary rule of using gestures in a speech is to gesture frequently and emphatically so listeners notice what you are doing.

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The statement The primary rule of using gestures in a speech is to gesture frequently and emphatically so listeners notice what you are doing is false as Gestures are an essential component of public speaking and can significantly increase a speech's effectiveness.

Physical gestures used in conjunction with speech are intended to emphasize or amplify the meaning of the spoken word.

Emphasize key points: Gestures can be used to draw attention to and help the audience remember a speech's most crucial points.

Convey emotion: Using gestures to express emotions like enthusiasm, passion, or excitement can help to pique the audience's interest and increase their openness to the speaker's message.

Improve clarity: By giving visual cues that support the speaker's words, gestures can aid in the understanding of difficult ideas or concepts.

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True/false. involves controlling changes to project scope throughout the life of the project, which is a challenge on many information technology projects.

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Scope management involves controlling and monitoring changes to project scope throughout the life of the project, which is a challenge on many information technology projects.

This is because technology projects often involve complex and rapidly evolving systems that require frequent updates and modifications. Without proper scope management, projects can easily become bloated, delayed, or fail to meet their original objectives.

To manage scope effectively, project managers must establish clear project goals and requirements, develop a detailed project plan, and continuously monitor and communicate progress to stakeholders. They must also be able to identify and respond to changes in scope, whether they arise from shifting stakeholder needs or unexpected technical issues.

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Correct question:

What involves controlling and monitoring changes to project scope throughout the life of the project, which is a challenge on many information technology projects

By middle childhood, boys' choices of companions tend to be based on shared interests, whereas girls' choices of companions tend to be based more on

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Middle-school-aged children begin to form acquaintances in more sophisticated ways. People select their friends based on a variety of qualities, such as common interests.

What purpose do relationships with friends serve in middle childhood?

The importance of friendships as indicators of one's value, skill, and attractiveness increases during middle childhood. Friendships offer the chance to practice social skills including communicating with others and resolving disagreements.

What role do peers play in middle childhood development?

Children learn a variety of essential social emotional skills, such as empathy, cooperation, and problem-solving techniques, in the context of peer relationships, which is particularly advantageous. By bullying and exclusion, peer interactions can also have a negative impact on social and emotional growth.

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true/false. in a weak relationship, the pk of the related(child) entity does not contain a pk component of the parent entity.

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Still, the relationship is weak, also known as anon-identifying relationship, If the primary key of the affiliated reality doesn't contain a primary crucial element of the parent reality.

What exactly is PK?

The primary key is actually known as Pk. It's egregious that a weak ornon-identifying relationship exists between two realities when one of the realities' primary keys doesn't contain or correspond of the primary key of the other affiliated reality.

When the primary key of one of the affiliated realities doesn't contain a primary crucial element of the other affiliated reality, the relationship is weak ornon-identifying.

A primary key, also called a primary keyword, is a column in a relational database table that is distinctive for each record.

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According to research, which of these is the key factor in buffering against negative interpretations of anxiety? Self-esteem. Self-confidence. Optimism

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According to research, optimism is the key factor in buffering against negative interpretations of anxiety.

What has been the impact of optimism in the interpretation of anxiety?

Optimistic individuals tend to have more positive expectations about the future, which allows them to view anxiety-provoking situations as opportunities for growth and development rather than threats to their well-being.

Additionally, optimistic individuals are more likely to engage in problem-solving and seek social support when faced with anxiety-provoking situations, which can further reduce their anxiety levels.

While self-esteem and self-confidence can also be important factors in managing anxiety, research has consistently found that optimism is the most important predictor of positive outcomes in individuals with anxiety disorders.

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true/false. One of the best ways to reduce one's uncertainty and anxiety about interacting with people from other social groups and cultures is to take the opportunity to interact with diverse groups of people in our social, educational, and professional lives.

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It is true that one of the best ways to reduce one's uncertainty and anxiety about interacting with people from other social groups and cultures is to take the opportunity.

They have to interact with diverse groups of people in their social, educational, and professional lives. The study of communication between individuals from various socioeconomic and cultural backgrounds, as well as how culture impacts communication, is known as intercultural communication. It describes the wide range of communication issues and procedures that inevitably arise among groups of people that come from various educational, socioeconomic, ethnic, and religious backgrounds. In this way, it aims to comprehend how individuals from various nations and cultures behave, converse, and view the world.

The goal of intercultural communication is to recognise and respect persons from different cultural backgrounds. Instead of total absorption, the goal is a mutual adaptation between two or more different cultures, which results in biculturalism or multiculturalism. It fosters the growth of cultural sensitivity and permits empathetic understanding between various cultures.

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true/false. in the book shoe dog, bill bowerman was the inventor of a new technology used by nike that infused an air bubble into the sole of a running shoe.

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It is completely appropriate and highly relevant to say that Bill Bowerman invented a new technology used by Nike that infused an air bubble into the soles of running shoes, as per the book 'Shoe Dog'. Thus, the said statement is true.

The book Shoe Dog is based on the story of how Nike has turned out to become one of the biggest known brands for footwear and shoes, especially in the growing industry of athleisure and running footwear. It depicts about the technologies it used to create air bubble into the soles of its running shoes.

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39. Cartographers use symbols to show different climate or precipitation zones.
a. True
b. False

Answers

True
To give general information about the climate and precipitation (rain and snow) of a region Cartographers or mapmakers use colors to show different climate or precipitation zones.

which of these is still considered deviant today by many in the united states, according to your text?

Answers

Smoking is still considered deviant today by many in the united states.

C is the correct option.

What is deviant behavior?

The definition of deviant behavior includes activities or behaviors that break social standards or expectations. Unwritten rules that influence behavior and are accepted by specific social groups or cultures are referred to as social norms.

The phrase "deviant behavior" is derived from the term "deviate," which implies to depart from a normal or accepted behavior or action. A deviant action is another term for deviant behavior.

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This is an incomplete question. The complete question is:

which of these is still considered deviant today by many in the united states, according to your text?

A) Rudeness

B) Bribery

C) Smoking

D) Theft

look at picture below (if you troll I will get you banned) 20 points!

Answers

option A is the correct answer. It inspires African Americans to fight for the union.

What is the identity of Abraham Lincoln?

Lincoln's speech was an attempt to respond to this question, as well as to reach out to his "unsatisfied fellow-countrymen" in order to avoid the impending conflict. He had adhered to a strict policy of quiet in the weeks leading to his inauguration, deliberately avoiding making any declarations that could be misinterpreted by either the North or the South. Lincoln intended that no declaration of his particular policy towards the South be made public before he took office.

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which of the following is not a sign of an ethical collapse within an organization, according to marianne jennings

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The correct answer is d. An open and candid organizational culture is not a sign of an ethical collapse within an organization, according to Marianne Jennings.

Marianne Jennings has identified several signs of an ethical collapse within an organization, including pressure to meet financial goals, hubris, nepotism, favoritism, and weak boards of directors. Pressure to meet financial goals can lead to unethical behavior, such as fraud or embezzlement. Hubris can cause individuals to believe they are above the law and make decisions that are not in the best interest of the organization. Nepotism, favoritism, and hiring sycophants can create a culture of entitlement and undermine the merit-based system.

On the other hand, an open and candid organizational culture can promote ethical behavior by encouraging transparency, accountability, and the free flow of information. It is not a sign of an ethical collapse, but rather a sign of a healthy and ethical organizational culture.

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Correct question:

Which of the following is not a sign of an ethical collapse within an organization, according to Marianne Jennings?

a. Pressure to meet financial goals

b. Hubris

c. Nepotism, favoritism and hiring sycophants

d. An open and candid organizational culture

e. Weak boards of directors

identify an issue or problem in
your community that is of personal interest to you​

Answers

Problems or concerns that a community (such as a town, neighborhood, or other group of community members) believes they can solve are referred to as "community issues."

What Is a Problem in the Community?

Problems or concerns that a community (such as a town, neighborhood, or other group of community members) believes they can solve are referred to as "community issues." Maybe you notice harassing in the foyers, litter in the city, individuals needing food, or creatures needing assistance. These are just a few examples of problems in the community; there are many more. Continue reading for examples of community issues that the students in fifth grade have emphasized for their Kid Governor platforms. Examples of social issues include hunger, poverty, unemployment, inequality of opportunity, racism, and malnutrition. As well as child abuse and neglect, discrimination in the workplace, and substandard housing. Social issues include substance abuse and criminal activity.

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identify the statements that accurately describe the weaknesses of the government under the articles of confederation.

Answers

Congress's lack of taxing authority was a key flaw in the Articles of Confederation. Just a request to file taxes might be made by Congress. This is a serious flaw because tax money IS required to support the military.

What did the Articles of Confederation's governing structure lack?

Under the Articles, Congress lacked the power to impose taxes. She could only ask the states to give the common treasury their fair part, but she did not receive the desired sums. Congress asked the states for the authority to impose taxes and secure the payment of public debts in order to fix this flaw.

The Articles of Confederation have which four of the following weaknesses?

Lack of the ability to tax or collect, control trade, or enforce laws are some of the weaknesses. 9 states had to approve laws, and all states had to agree on changes; no national judicial system or executive branch.

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which of the following is not a publicly accessible list used for vulnerability research and analysis?

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The correct answer to the given question about list used for vulnerability research and analysis is option B. B. The Japan Computer Emergency Response Team (JPCERT) is not a publicly accessible list used for vulnerability research and analysis.

A commercial company called the Japan Computer Emergency Response Team (JPCERT) assists Japanese businesses with responding to computer security incidents. Although being a crucial tool for cybersecurity in Japan, JPCERT is not a list that the general public may use to conduct vulnerability research and analysis. The alternate choices, on the other hand, are well-known, widely available lists that are frequently used in vulnerability research and analysis: A dictionary of common names for publicly known cybersecurity flaws and exposures is called Common Vulnerabilities and Exposures (CVE). C. A list of typical software flaws that can result in vulnerabilities is known as the Common Weakness Enumeration (CWE). D. A thorough dictionary and categorization taxonomy of recognized patterns of cyberattacks is provided by the Common Attack Pattern Enumeration and Classification (CAPEC).

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Complete Question

Which of the following is not a publicly accessible list used for vulnerability research and analysis?

A. Common Vulnerabilities and Exposures (CVE)

B. The Japan Computer Emergency Response Team (JPCERT)

C. Common Weakness Enumeration (CWE)

D. Common Attack Pattern Enumeration and Classification (CAPEC)

the _____ process draws upon logic, imagination, intuition, and systemic reasoning to explore possibilities and created desired outcomes.

Answers

The creative process draws upon logic, imagination, intuition, and systemic reasoning to explore possibilities and create desired outcomes.

The creative process involves generating new ideas or solutions through a combination of different cognitive processes and skills.

Logic is important in the creative process because it provides a framework for organizing and evaluating ideas. Imagination and intuition, on the other hand, allow individuals to think outside the box and consider unconventional possibilities. Systemic reasoning helps individuals understand the relationships and connections between different elements in a problem or situation.

Overall, the creative process is a complex and dynamic process that requires a combination of different cognitive skills and approaches. It is an essential aspect of innovation, problem-solving, and personal growth.

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according to the text, a study conducted by hyman, sarb, and wise-swanson (2014) examined walkers using cell phones. the walkers showed

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According to the text, the study conducted by Hyman, Sarb, and Wise-Swanson (2014) examined the behavior of pedestrians using cell phones while walking.

The study found that pedestrians using cell phones were more likely to engage in risky behavior, such as jaywalking or crossing the street without looking both ways, compared to pedestrians not using cell phones. The study also found that pedestrians using cell phones were less likely to notice and avoid obstacles in their path, such as other pedestrians or obstacles on the ground. Overall, the study suggests that using a cell phone while walking can impair a person's ability to navigate their environment safely and increase their risk of injury.

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Which of the following is crowned with a dome, to symbolize the union of humanity and god, and has nine sides, to represent worldwide unity?
A baha'i temple

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The Baha'i Temple is crowned with a dome and has nine sides, symbolizing worldwide unity and the union of humanity and God. (Option 1)

The Baha'i Temple, also known as the Lotus Temple, is a prominent landmark in Delhi, India. It is a house of worship for the Baha'i Faith, which emphasizes the spiritual unity of all humanity. The temple's unique design, with nine sides and a central dome, is meant to symbolize this unity.

The number nine is significant in the Baha'i Faith, representing completeness and perfection. The temple is open to people of all religions and serves as a place for meditation, prayer, and reflection. It is a notable example of modern architecture and attracts millions of visitors each year.

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Complete Question:

Which of the following is crowned with a dome, to symbolize the union of humanity and god, and has nine sides, to represent worldwide unity?

A baha'i templeSun TempleEgyptian TempleAngkor Vat

FILL IN THE BLANKmilitary engagement occurs as part of ____ , but also extends to interaction with domestic civilian authorities.

Answers

Security cooperation

TRUE OR FALSE social support can help prevent stressors from occurring, but it cannot help once they have been encountered.

Answers

The given statement "social support can help prevent stressors from occurring, but it cannot help once they have been encountered." is fasle because Social support can help prevent stressors from occurring by providing emotional support.

by  furnishing emotional,  instructional, and palpable support from  friends and family. still, once the stressors have been encountered, social support can help to reduce the impact of the stressors. For example if someone is  floundering with a  delicate task, a friend or family member can  give emotional support, advice,

or palpable help to make the task easier. also, social support can help to promote healthy  managing strategies and  give a safe outlet for agitating negative  feelings. Overall, social support can help to  help stressors and reduce their impact when they've been endured.

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Make a list of negative and positive messages you have received from other people in their lives.

Answers

Answer:

Negative messages:

"You're not good enough."

"You're a failure."

"I don't love you anymore."

"You're not attractive."

"You'll never be successful."

"You're a disappointment."

"You're too sensitive."

"I don't trust you."

"You're not smart enough."

"You're too old/young for that."

Positive messages:

"I'm proud of you."

"You did a great job."

"I appreciate you."

"You're so talented."

"I believe in you."

"You're beautiful/handsome."

"I love you."

"You make me happy."

"You inspire me."

"You're a great person."

TRUE/FALSE. In global crime control, powerful societies are often able to get weaker societies to adopt their ways of doing things.

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The given statement is true. In global crime control, powerful societies often have significant influence over weaker societies.

They can use their economic, political, and cultural power to encourage or coerce these societies to adopt their ways of doing things.

This can include adopting similar legal and criminal justice systems, cooperating on international law enforcement initiatives, or implementing policies to address specific crimes or issues. However, there can also be resistance from weaker societies who may have different cultural or legal norms, or who may see these efforts as a form of neocolonialism or imperialism.

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Which aspects in the election system of Nepal do you feel necessary for improvement and why? Provide your suggestions​

Answers

Voter education, accessible polling stations, impartial and independent election commission, and electoral reforms are the key areas that require improvement in the election system of Nepal.

What is voter education?

Voter education refers to the process of informing and educating voters about the electoral process, their rights and responsibilities, and the importance of participating in elections. It aims to increase the knowledge and awareness of voters, and to help them make informed decisions when casting their votes.

What is electoral reforms ?

Electoral reforms refer to changes in the electoral system aimed at improving its fairness, effectiveness, and transparency. Such reforms may include changes in electoral laws, regulations, procedures, or practices. The purpose of electoral reforms is to enhance the representativeness, legitimacy, and credibility of the electoral process, and to promote greater participation and trust in the democratic system.

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Stress has been found to contribute to which of the following conditions?
*depression
*schizophrenia
*autism
*osteoporosis

Answers

Stress has been found to contribute to depression. (Option 1)

Research has shown that chronic stress can lead to changes in brain function and chemical imbalances, which can increase the risk of developing depression. Stressful life events, such as the loss of a loved one or financial difficulties, can also trigger depressive episodes. Moreover, chronic stress can make it more difficult to recover from depression and may increase the risk of relapse.

While stress may also be a contributing factor in other conditions such as anxiety disorders, post-traumatic stress disorder, and cardiovascular disease, it has not been found to be a direct cause of conditions such as schizophrenia, autism, or osteoporosis.

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the importance of research design in social research

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Answer:

research design helps ensure that your methods match your research aims, that you collect high-quality data, and that you use the right kind of analysis to answer your questions, utilizing credible sources

to defuse fully a workplace situation created by cyber incivility, which of the following actions should you take?

Answers

To fully defuse a workplace situation created by cyber incivility, the best action to take is option D: arrange an in-person meeting.

It is important to address the behavior and communicate directly with the person who engaged in cyber incivility. Email communication may not be the most effective way to do this as it can easily be misunderstood or escalate the situation further. Face-to-face communication, on the other hand, allows for a more personal and constructive dialogue that can help to defuse the situation.

Replying immediately to the email or sending an email voicing displeasure (options A and B) may also escalate the situation further and worsen the incivility. Reacting with defensiveness (option C) may also be counterproductive and can further escalate the situation.

Emphasizing task facts and issues in an email (option E) may be useful in some situations, but it may not be enough to fully defuse a situation created by cyber incivility. In-person communication is generally a more effective way to resolve workplace conflicts, especially those involving incivility.

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Correct question:

To defuse fully a workplace situation created by cyber inciviilty, which of the following actions should you take?

a - reply immediately to the email

b - send an email voicing your displeasure

c - react with defensiveness

d - arrange an in-person meeting

e - emphasize task facts and issues in an email

Distinguish between the following terms that relate to entrepreneurship: 1.1.3 E-businesses

Answers

E-business relates to a form of entrepreneurship that emerged during the digital revolution, with the use of information technology to create value for customers and generate profits.

What is E-business?

It corresponds to a business structure that is carried out in the online environment, such as online stores where purchase, sale and service operations are automated, more dynamic and flexible.

Therefore, e-business is a form of entrepreneurship with exponential growth due to the ease of being initiated by digital platforms, high reach and direct relationship with the consumer.

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People look for leaders who have a vision and someone who can direct them in the path of the mission.
Planning is the fundamental function of leadership from which all other outcomes are achieved.
The first step in planning is establishing the organizational situational assessment, then the vision, mission, strategies, goals, objectives and action steps are developed.
The vision provides the motivational guidance for the organization and typically is defined and promoted by senior leadership.
Vision is how the organization intends to achieve its goals while 'mission' defines why the organization pursues the goals it does.
Both vision and mission are 'directional strategies.'
The mission statement is the organization's reason for being, its purpose.

Answers

Yes, these statements are generally accurate in describing the role of planning, vision, and mission in effective leadership.

Leadership involves setting a direction and guiding people toward achieving common goals. A key aspect of effective leadership is having a clear vision of where the organization is headed and what it hopes to achieve. This vision provides a sense of purpose and direction for the organization, and helps to motivate and guide people in their work.

Planning is a fundamental function of leadership, and involves developing a roadmap for achieving the organization's goals. This roadmap typically includes a situational assessment, followed by the development of a vision, mission, strategies, goals, objectives, and action steps.

The vision provides a clear and inspiring picture of the desired future state of the organization, while the mission defines the organization's purpose and why it pursues the goals it does. Together, vision and mission form the directional strategies for the organization, guiding people and resources toward achieving common goals.

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true/false. a teacher who writes the day's objective on the boardand discusses the list briefly with students is most likelydoing so in an attempt to help students

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True. A teacher who writes the day's objective on the board and discusses it briefly with students is most likely doing so in an attempt to help students.

This practice is known as "learning objectives," and it is designed to help students understand the purpose of the lesson, what they are expected to learn, and how they will be assessed. By clearly stating the objectives at the beginning of the lesson, teachers provide students with a clear roadmap of what they will be learning and how they will be evaluated. This practice helps students stay focused and motivated throughout the lesson, and it can also help them understand the relevance of the material being taught.

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State the definition of economics and the three different types of economic resources.

Answers

Answer:

State the definition of economics and the three different types of economic resources.

Explanation:

Economics is the social science that studies the production, distribution, and consumption of goods and services. It is concerned with how individuals, businesses, governments, and societies make choices in the face of limited resources.

The three types of economic resources are:

Natural resources - These are resources that occur naturally in the environment and are used in the production of goods and services. Examples include land, water, minerals, oil, and timber.

Human resources - These are the people who work to produce goods and services. Human resources include all the knowledge, skills, and abilities that people possess.

Capital resources - These are the tools, equipment, and machinery that are used in the production of goods and services. Capital resources include factories, buildings, trucks, and computers.

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which type of memory allows us to not only remember a limited amount of information over brief periods of time (i.e., seconds to minutes), but also enables the mental manipulation of this maintained information? A survey of 500 music lovers showed that 350 like rock, 300 like country, and 200 like both. How many of the 500 music lovers surveyed dislike both rock and country? how do you find the total surface area of a pyramid he structure below is an inhibitor of the enzyme phosphodiesterase type 5 and a blockbusterFDA-approved drug. Propose a synthesis of this compound using tryptophan as a startingmaterial.NHNN PLEASE HELP!!! The population of a town increases by 3% each year. If its population today is 25,000, what will its population be in 5 years?A 25,000 (1.03)B 25,000-(1.03)525,000-(0.03)25,000 (1.03) - (5) CAN SOMEBODY HELP ME FACTOR AS THE PRODUCT OF TWO BINOMIALSx- x- 42 true or false. medications that are not approved by the fda to treat a specific ailment, but can be used if enough research proves it beneficial is a nonlabeled indication. A flight instructor who has not satisfactorily accomplished a flight review or passed a required proficiency check within the prescribed time is smart mugs are the next generations of hot drinks dispensers tha om with built in technology to keep drinks at the perfect temperature for hours on end initial cost of a smart mug was aed 896, because of high demand in market the cost increased by 12% find the new price of the mugPLS QUICK ITS DUE 1 HOUR!! Companies that go out of their way to learn about the needs of different stakeholders and use organizational resources to promote their interests are using the _____ approach. for our ohm's law plot, what goes on each axis to get a slope equal to exactly the equivalent resistance? note: the lab manual instructs us to make a plot of inverse resistance (1/r), is that the best plotting method?Y-axis = _____X-axis = _____ Select the correct answer.The main purpose of the second paragraph of this passage is to A. criticize anyone who is simple enough to try to profit from a yard sale. B. suggest that the narrator is not fully prepared for a yard sale. C. introduce the idea that the author relies heavily upon her husband. D. question the practice of holding yard sales outdoors during winter. The Civil Rights Act of 1964 authorized the attorney general to send federal examiners to register qualified voters, bypassing local officials who often refused to register African Americans.TRUE OR FALSE? A driver notices that her 1400-kg car, when in neutral, slows down from 95 km/h to 65 km/h in about 7.0 s on a flat horizontal road. Approximately what power (watts) is needed to keep the car traveling at a constant 80 km/h? Express your answer using two significant figures. How many moles of fe3o4 can be produced when 12. 00 mol fe react with 6. 00 mol o2? Use Lagrange multipliers to find the points on the given cone that are closest to the following point.z^2 = x^2 + y^2; (14, 8, 0)x,y,z=(smaller z-value)x,y,z=(larger z-value) 10 ml of ethanol is mixed with 250 ml of water calculate the volume percentage of ethanol JMY Technologies has experienced declining performance for the past six months. Top-level managers have determined that the problems are minor in nature and that a short-run renewal strategy is most appropriate. In order to stabilize operations, JMY will most likely implement a ________ strategy.A.stabilityB.diversificationC.retrenchmentD.turnaroundE.growth 2/5 - 4 1/8 / (-2 1/4) when the federal reserve announces that it is implementing a new interest rate policy, the _____ will be affected. a. real interest rate b. consumer lending rate c. nominal interest rate d. federal funds rate