University of Central Florida
You can write 120-150 words (2 points).
- Task achievement (1 point),
- Grammatical range and accuracy (0.5 points)
- Lexical range and accuracy (0.5 points).
5. Do you like working with other people or do you prefer to be independent? Write a paragraph to express your opinion. In your writing, you have to use these grammatical items: a. prepositions of places and movement b. Present Perfect tense.
Suppose that you are a bank regulator who knows that there are two types of banks under your jurisdiction, high quality (H) and low quality (L), who differ in their ability to screen loan applications for credit-worthy borrowers. Using past data you estimate that roughly 70% of banks are high quality and 30% are low quality. High-quality banks generate a cash flow per loan of 100k with probability .8 and 0 with probability .2. A low-quality bank on the other hand generates a cash flow per loan of 100k with probability .5 and 0 with probability .5.
These banks primarily make small loans to local businesses which creates a social benefit of 4% per dollar lent (i.e. if the bank lends $10 then the social benefit is 4%*$10). When a bank fails though, it generates a social cost of 15% per dollar of losses to the bank's creditors (i.e. if creditors lose $10 then the social cost is 15%*$10).
As a regulator you must choose a “capital requirement”, dictating how much the banks can borrow to make loans, in order to maximize the expected social value. Each loan costs $50k and generates the returns described above. Additionally, the banks start with $50k of their own money to invest. You, as the regulator, are debating whether to let the banks borrow money to issue 0, 1, or 2 additional loans. We assume the banks find it optimal to issue as many loans as possible but can only raise additional funds by borrowing. This means banks will always make at least 1 loan with their initial $50k and will make an additional 0, 1, or 2 loans with borrowed money depending on how much the regulator allows them to borrow. All loans generate the same cash flow (e.g. if the H-type makes 3 loans then with prob .8 each loan generates a cash flow of 100k and with .2 each loan generates a cash flow of 0. Similarly, if the L-type makes 3 loans then each loan generates a cash flow of 100k with prob .5 and each loan generates a cash flow of 0 with probability .5).
Assume the regulator knows which banks are H-type and which are L-type. What is the expected social value (i.e. social benefit minus expected social cost) if the regulator allows the H-type bank to borrow 0, $50k, or $100k to make additional loans? What bout the L-type bank? How much will the regulator optimally allow the H-type and L-type banks to borrow? (remember all bank always makes at least 1 loan, so they will either make 1, 2, or 3 loans depending on whether the regulator allows them to borrow 0, $50k, or $100k. Also note that the social cost only applies to borrowed money lost in default, not the bank’s initial $50k, and the social benefit applies to money lent, not the realized cashflow).
Please help me in your own words
Effective organisational performance is dependent upon human activity and the efforts of members of staff.
Additionally, the organisation must adopt effective communication channels to ensure productivity in contemporary times.
a). Using your knowledge of OB, discuss the costs and benefits of social media to the organization in its communication efforts with examples. [5 Marks]
b). It is very well to talk about a contented workforce, praise and recognition, but in times of recession, rapid change or uncertainty, a secure job and high income are the true motivators. Discuss this statement with examples of theories of motivation. [8 Marks]
c). Some jobs require you to make presentations regularly while others never. How well you present can greatly affect others’ perceptions of you and your professional opportunities. Using the acronym STATE explain communication and work effectiveness.
Suppose the cross-price elasticity of portable hard drives on cloud-based storage was 0.38. How are portable hard drives and cloud-based storage related?
A: portable hard drives and cloud-based storage are complements.
B: portable hard drives and cloud-based storage are substitues.
C: portable hard drives and cloud- based storage are unrelated goods.
D: portable hard drives and cloud- based storage are both normal goods.
Afua Adipa’s laptop has been giving her a lot of trouble. It is four years old and in the last six months, the hard drive has crashed frequently, causing her to lose data. She takes her laptop to a service center, where she is told that her hard drive has become unstable, leading to crashes and data loss. The analyst recommends that she invest in a portable hard drive and back up her data frequently. Alternatively, she could buy a new laptop. The cost of recovering lost data is $80 per session. A portable hard drive costs $150. A new laptop costs $550.Afua decides to buy a new laptop, arguing that it isn’t that much more expensive than a portable hard drive. Comment on her reasoning.
16 H )
12 H ) . If the government established price controls and also raised the money supply 20 percent, within the quantity theory framework, what would happen?
Instructions: You may select more than one answer. Click the box with a check mark for correct answers and click to empty the box for the wrong answers.
|The velocity of money could decrease.|
|Real output would decrease.|
|The equation of exchange wouldn't hold.|
|Real output would increase.|
|The price level would fall.|
|The velocity of money could increase.|
Why artificial intelligence devices are not beneficial to children? Give me 2 reasons
I think that artificial intelligence device are not beneficial to children. My first reason is that it deprives children of real emotion connection. My second reason is make people dependent.
Is this answer right or wrong?