Item8 1.76 points Item 8 Here are the returns on two stocks. Digital Cheese Executive Fruit January +19 +9 February −2 +1 March +4 +4 April +6 +13 May −3 +1 June +3 +5 July −1 −2 August −7 −1 Required: a-1. Calculate the variance and standard deviation of each stock. a-2. Which stock is riskier if held on its own? b. Now calculate the returns in each month of a portfolio that invests an equal amount each month in the two stocks. c. Is the variance more or less than halfway between the variance of the two individual stocks? rev: 05_06_2020_QC_CS-211110

A deposit that has to be maintained in the bank for 1 year in exchange of a 2% interest  is a certificate of deposit (CD).

In exchange for holding a specific amount of money for a specific length of time, such as six months, a year, or five years, a certificate of deposit (CD) is a savings account that earns interest from the issuing bank.

A certificate of deposit (CD) is a savings instrument that yields interest on a one-time payment for a predetermined amount of time. In contrast to savings accounts, CDs require that the money remain untouched for the duration of the term in order to avoid penalty fees and lost interest.

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True. to prepare proforma financial statements, estimates of quantities such as unit sales, selling price per unit, variable cost per unit, and total fixed costs are required.

Proforma financial statements are forward-looking financial statements that estimate what a company's financial statements will look like in the future, based on certain assumptions and projections. In order to prepare proforma financial statements, relevant estimates of quantities such as unit sales, selling price per unit, variable cost per unit, and total fixed costs are required. These estimates are used to project the future revenues, expenses, profits, and cash flows of the business. The accuracy of these estimates will impact the reliability of the proforma financial statements, so it is important for them to be based on sound assumptions and reasonable projections.

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Answer:

B. contractionary fiscal policy

Explanation:

The government influences economic direction through fiscal policy measures of increasing or decreasing its expenditure and taxation. Therefore, fiscal policies involve the government's actions of adjusting its spending and taxation to achieve desired economic objectives.

Fiscal policies can either be contractionary or expansionary. Contractionary measures are applied to control rising inflation and moderate the rate of growth. These policies aim at reducing liquidity in the market, thereby achieving stable prices. A reduction in government spending and an increase in taxation reduces liquidity or money circulation.

Answer:

b

Explanation:

$15350.92 is  the balance on the card, rounded to the nearest penny .

Continuously adding interest to the principle amount This interest rate gives a time period exponential development.

continuous compound interest rate formula;

P0 is the principal amount, r is the interest rate, and t is the time period, so P(t) = \(P_{0}\) \(e^{rt}\) .

Given:            

A consumer spends $10,500 on a boat using a shop credit card.

The store credit card offers a continuous annual interest rate of 18.99% with no payment requirements for the first two years.

That implies,

\(P_{0}\) equals $10,500, r is 18.99, and t is 2.

So,

P(t) = P₀\(e^{rt}\)

By changing the values,

P(t) = (10500) \(e^{(0.1988)(2)}\)

P(t) = (10500)(1.46199)

P(t) = 15350.917

P(t) = $15350.92

As a result, the total is $15350.92.

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The patent acquisition involves exchanging 2,500 shares of Mini Corp.'s stock ($22,500 fair value) and $95,000 cash. The total fair value of consideration given is $117,500 ($22,500 + $95,000),.

Mini Corp. should record the patent at $117,500.The acquisition of the patent involves two components: shares of Mini Corp.'s common stock and cash. To determine the amount to be recorded for the patent, we need to calculate the fair value of the consideration given. First, we calculate the value of the shares exchanged: 2,500 shares × $7.50 per share = $18,750. Next, we calculate the cash paid: $95,000. Adding these two amounts, we get $18,750 + $95,000 = $113,750. However, since Mini Corp.'s stock was selling at $9 per share at the time of acquisition, the fair value of the shares exchanged would be: 2,500 shares × $9 per share = $22,500. Therefore, the total fair value of the consideration given is $22,500 + $95,000 = $117,500. Thus, Mini Corp. should record the patent at $117,500.

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If the price index moves from 107 to 110, the rate of inflation is 2.8 %.The percentage change in inflation is then calculated by multiplying this by 100.Option D is correct.

Rate of inflation = 110 - 107 ÷107

                        = 0.0280 × 100 %

                        = 2.8 %

The price index from the interest year is subtracted from the base year, and then the result is divided by the base year to determine inflation. The percentage change in inflation is then calculated by multiplying this by 100.

The consumer price index (CPI) is used to measure inflation, which maintains economic health at low rates. But when inflation rises quickly, it can have negative effects on the economy in the form of lower purchasing power, higher interest rates, slower economic growth, and other things.

If the price index moves from 107 to 110, the rate of inflation is:

a. 3%

b. 30%

c. 28%

d. 2.8%

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To calculate the MIRR (Modified Internal Rate of Return) using the BAII Plus calculator, follow these steps for each approach:

1. Press the CF button on the calculator.

2. Enter the cash flows for each year: -53000, 16700, 21900, 27300, 20400, -8600.

3. Press the NPV button, then enter the interest rate (10%) as the discount rate and press the "i" button.

4. Press the CPT button (Compute) and then the "IRR" button to calculate the MIRR using the discounting approach.

1. Press the CF button on the calculator.

2. Enter the cash flows for each year: -53000, 16700, 21900, 27300, 20400, -8600.

3. Press the IRR button, then enter the interest rate (10%) as the reinvestment rate and press the "i" button.

4. Press the CPT button (Compute) and then the "MIRR" button to calculate the MIRR using the reinvestment approach.

The combination approach involves calculating both the present value of cash inflows and the future value of cash outflows. It requires multiple calculations and adjustments, which cannot be done directly on the BAII Plus calculator.

In the combination approach, you would discount the cash inflows to their present value and compound the cash outflows to their future value. Then, you would calculate the IRR of the resulting cash flows.

It is important to note that the combination approach may require the use of a spreadsheet or financial software to perform the calculations.

Overall, the MIRR is a measure used to assess the profitability and viability of an investment project. It takes into account both the discounting of cash inflows and the reinvestment of cash outflows. By calculating the MIRR using different approaches, you can evaluate the project's potential returns and make informed investment decisions.

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To calculate the MIRR (Modified Internal Rate of Return) using the BAII Plus calculator, follow these steps for each approach:

a. Discounting Approach Method:

1. Press the CF button on the calculator.

2. Enter the cash flows for each year: -53000, 16700, 21900, 27300, 20400, -8600.

3. Press the NPV button, then enter the interest rate (10%) as the discount rate and press the "i" button.

4. Press the CPT button (Compute) and then the "IRR" button to calculate the MIRR using the discounting approach.

b. Reinvestment Approach Method:

1. Press the CF button on the calculator.

2. Enter the cash flows for each year: -53000, 16700, 21900, 27300, 20400, -8600.

3. Press the IRR button, then enter the interest rate (10%) as the reinvestment rate and press the "i" button.

4. Press the CPT button (Compute) and then the "MIRR" button to calculate the MIRR using the reinvestment approach.

c. Combination Approach Method:

The combination approach involves calculating both the present value of cash inflows and the future value of cash outflows. It requires multiple calculations and adjustments, which cannot be done directly on the BAII Plus calculator.

In the combination approach, you would discount the cash inflows to their present value and compound the cash outflows to their future value. Then, you would calculate the IRR of the resulting cash flows.

It is important to note that the combination approach may require the use of a spreadsheet or financial software to perform the calculations.

Overall, the MIRR is a measure used to assess the profitability and viability of an investment project. It takes into account both the discounting of cash inflows and the reinvestment of cash outflows. By calculating the MIRR using different approaches, you can evaluate the project's potential returns and make informed investment decisions.

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The main answer is B. An expansionary monetary policy will increase aggregate demand, increase prices and increase real GDP.Explanation:Expansionary monetary policy is a strategy that entails raising the money supply, lowering interest rates, and making loans more accessible to the public.

This policy is used to promote economic growth and stimulate economic activity. When the Federal Reserve (Fed) engages in expansionary monetary policy, there is an increase in the money supply. This will encourage households to invest more and spend more, leading to an increase in aggregate demand (AD). This is because there is a lot of money in the system, and people will be more willing to borrow and spend.

The increase in aggregate demand will result in an increase in prices (P) and output (real GDP) in the short run. As a result, the economy will experience growth and development. This is because the increase in AD will motivate businesses to produce more goods and services to meet the increased demand for goods and services. Hence, the answer is B.

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The necessities would be last month's gasoline for the car, while the expenses would be fast food, movie and amusement park tickets.

Needs are a term that refers to the goods and services that a person needs in a fixed way for their daily life, some examples are:

According to the above, it can be inferred that car gasoline is a necessity because it is a means of transportation that we can use to go to our work or place of study.

On the other hand, expenses are the goods and services that are not necessary for our daily lives but that we acquire for leisure and entertainment purposes. For example:

Based on the above, it can be inferred that movie tickets, fast food, and amusement park tickets are expenses.

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Answer:

a. private enterprise

Explanation:

Economics systems can be categorized as;

The market or free enterprise economy is also the private enterprise economy. This economic system has the private sector as the primary producers of goods and services. The government does not interfere with economic activities.

In the private enterprise economy, private firms and individuals have the freedom to start and operate a business of their preferences. The government does not regulate the production, distribution, or prices of products. The private sector engages in business activities that will generate maximum profits for them.

The stock price for Green Company is approximately $41.18, for Red Incorporated is approximately $33.33, and for Gold Corporation is approximately $53.85.

The stock price for each company can be calculated as follows:

Green Company:

Stock Price = Dividend / (Required Return - Growth Rate)

Stock Price = $3.50 / (0.10 - 0.015)

Stock Price = $3.50 / 0.085

Stock Price ≈ $41.18

Red Incorporated:

Stock Price = Dividend / (Required Return - Growth Rate)

Stock Price = $3.50 / (0.12 - 0.015)

Stock Price = $3.50 / 0.105

Stock Price ≈ $33.33

Gold Corporation:

Stock Price = Dividend / (Required Return - Growth Rate)

Stock Price = $3.50 / (0.08 - 0.015)

Stock Price = $3.50 / 0.065

Stock Price ≈ $53.85

To calculate the stock price for each company, we can use the Gordon Growth Model, also known as the Dividend Discount Model (DDM). The formula is as follows:

Stock Price = Dividend / (Required Return - Growth Rate)

Given that all three companies will pay a dividend of $3.50 next year and have a growth rate in dividends of 1.5 percent, we can substitute these values into the formula.

For Green Company, the required return is 10% (0.10 in decimal form).

For Red Incorporated, the required return is 12% (0.12 in decimal form).

For Gold Corporation, the required return is 8% (0.08 in decimal form).

By substituting the values into the formula, we can calculate the stock price for each company.

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Explanation:

Terrace farming ensures food security and increases crop yield by water and soil conservation. Thus it reduces soil erosion. In terrace farming, the interaction between water and fertilizer increase

Organic farming is agriculture that makes healthy food, healthy soils, healthy plants, and healthy environments a priority, along with crop productivity

AnswerAdvantages of terrace farming...

Helps to reduce soil erosion for farming .

It's helpful for tea plantation much because its used specifialy in hilly area

Explanation:

Answer to QUESTION 45The reason for the talent gap in supply chain management is that many are not aware of supply chain management as a professional career. Supply chain management is a profession that requires professionals who have knowledge in transportation, logistics, and procurement.

Many businesses are unaware of the value that supply chain management brings, hence the gap. The supply chain management industry is evolving rapidly, and the demand for professionals in this field is increasing.
Answer to QUESTION 46The Interstate Commerce Commission (ICC) is usually described as an expert body providing continuity to regulation that neither the courts nor legislature could do

. It was an independent agency that was created by the Interstate Commerce Act of 1887. The main purpose of this act was to regulate the railroad industry and ensure fair rates for the movement of goods. The ICC was abolished in 1995, and its regulatory functions were transferred to the Surface Transportation Board (STB).

Answer to QUESTION 48The major controversy regarding the Federal Highway Trust Fund is whether it is legitimate to collect federal excise taxes on road tires. This tax is collected to fund the construction and maintenance of highways and other transportation infrastructure. Some critics argue that this tax is regressive and should be replaced with other forms of revenue.

Answer to QUESTION 57Domestic shipments make up the largest value of shipments in the United States. Domestic shipments are goods that are produced and consumed within the United States. These shipments account for a significant portion of the economy.

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Answer:

An automated teller machine is an electronic machine that allows the transaction of money from one's account.

Advantages of the ATM are-

1. It provides easy access to one's account.

2. It saves time and energy.

3. It reduces the workload of the bank employees.

4. Its service is available anywhere 24/7.

Explanation:

An automated teller machine (ATM) is an electronic machine that allows an individual to complete basic transactions without the need for any bank personnel to help. This type of machine is generally used to withdraw and deposit cash from and into one's bank account.

Four advantages of an automated teller machine are-

1) It provides convenience to the customers, saving one's energy and time.

2) Its service is available 24/7.

3) It allows access to one's account anywhere.

4) It reduces the workload of the bank employees.  

An Automated Teller Machine (ATM) car refers to a vehicle equipped with an ATM, typically used for mobile banking services in locations where a fixed ATM is not available or convenient.

Advantages of using an Automated Teller Machine (ATM) include:

Convenience: ATMs offer 24/7 access to banking services, allowing users to withdraw cash or perform various transactions at their convenience. With an ATM car, this convenience can be extended to different locations, such as events, rural areas, or areas with limited banking infrastructure.

Accessibility: ATMs provide accessibility to banking services for individuals who may not have access to a nearby bank branch. The mobility of an ATM car can further enhance accessibility, reaching underserved or remote areas where  may be limited.

Time Savings: Using an ATM can save time compared to traditional banking methods. With an ATM car, users can access banking services without the need to travel to a physical branch, reducing time spent commuting and waiting in queues.

Privacy and Security: ATMs provide a secure and private environment for conducting financial transactions. Using an ATM car can enhance security by ensuring that the machine is monitored, maintained, and operated by authorized personnel.

This can instill confidence in users, knowing that their transactions are conducted in a controlled and secure setting.

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Answer:

A well-documented evaluation of your campaign builds credibility and respect. It helps determine if your ads are hitting the target audience, and what are their opinions and feedback on it.

Explanation:

The evaluation of your advertisement campaign helps in enhancing transparency and the report showcases the achievements you have attained during this and also helps showcase the entire campaign to every key stakeholder. It helps in building trust across the various departments in the company and enables them to measure the strengths and weaknesses of the campaign, in order to adjust for future campaign drives.

Jupiter, Saturn, Uranus, and Neptune have atmospheres rich in hydrogen and helium. These gas giants are composed mostly of hydrogen and helium, which are the two most abundant elements in the universe.

During the formation of the solar system, the inner planets, including Mercury, Venus, Earth, and Mars, were subjected to higher temperatures and solar radiation, causing their early atmospheres to evaporate or be stripped away. However, the larger outer planets were able to retain their primordial atmospheres due to their stronger gravitational pulls and colder temperatures farther from the Sun.

As a result, Jupiter, Saturn, Uranus, and Neptune were able to capture and hold onto the lighter gases like hydrogen and helium. These gases make up the majority of their atmospheres. In addition to hydrogen and helium, these gas giants also contain trace amounts of other elements and compounds, including methane, ammonia, water vapor, and various hydrocarbons.

The atmospheres of these gas giants have distinct compositions and different layering structures due to variations in temperature, pressure, and composition. Studying these atmospheres provides valuable insights into the formation and evolution of our solar system.

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Correct c. Lower interest rates lead to a depreciation in the foreign exchange value of the dollar, an increase in net exports, and an expansion in aggregate demand.

When the risk-free interest rate, which is normally set by a central bank, is lower than the historical average over an extended period of time, it is said to be in a low interest rate environment. The interest rate on Treasury securities often serves as a benchmark for the risk-free rate in the United States. By making it more affordable to borrow money to support investments in both physical and financial assets, low interest rate environments are intended to promote economic growth. Negative interest rates are a unique type of low interest rate. Because depositors are required to pay the central bank (and occasionally private banks) to store their money, rather than getting return on their deposits, this sort of monetary policy is unorthodox.

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The  type of ma plan is an hmo plan that also covers some benefits out-of-network, generally at a higher cost is: Private Fee-for-Service (PFFS), Medicare Supplement Insurance Plan.

Medicare advantage plan  can be defined as a health insurance coverage plan that help to cover the medical costs of people under the plan.

The  type of Medicare advantage plan that also covers some benefits out-of-network are:

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The number of Q4 (Positions to fill of Level 2 employees) can be found through workforce planning. Workforce planning involves identifying the human resource requirements of an organization and planning how to meet those requirements.

It is a continuous process that helps an organization to align its workforce with its strategic goals and objectives.During workforce planning, an organization will determine the number of positions it needs to fill to achieve its goals. This includes identifying the number of Level 2 employees it requires to support the organization's objectives. Once this number is determined, it can be used to inform recruitment and selection activities, as well as other human resource management processes.

To determine the number of Q4 positions to fill, an organization will need to consider a range of factors, including the size of its workforce, its strategic objectives, and its budget. It will also need to assess the skills, knowledge, and experience of its existing employees to identify any skills gaps that need to be filled. By taking a strategic approach to workforce planning, an organization can ensure that it has the right people in the right roles to achieve its goals.In conclusion, the number of Q4 (Positions to fill of Level 2 employees) can be determined through workforce planning.

This process involves identifying the human resource requirements of an organization and planning how to meet those requirements. It is a continuous process that helps an organization to align its workforce with its strategic goals and objectives. The number of Q4 positions to fill will depend on a range of factors, including the size of the organization, its strategic objectives, and its budget. It will also depend on the skills, knowledge, and experience of the organization's existing employees.

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The Financial Accounting Standards Board (FASB) is the authoritative body that has primary responsibility for developing accounting principles - True.

The normal balance of a capital account is a credit - False.

In accounting, the normal balance of a capital account is a credit. The capital account represents the owner's equity or the net assets of a business. Increases in the capital account are recorded as credits, while decreases are recorded as debits.

The Financial Accounting Standards Board (FASB) is indeed the authoritative body responsible for developing accounting principles in the United States. It sets the standards and guidelines that govern how financial information is reported and disclosed by companies. These standards, known as Generally Accepted Accounting Principles (GAAP), provide consistency and comparability in financial reporting, ensuring that financial statements are reliable and transparent. The FASB establishes and updates these principles based on rigorous research, public input, and industry expertise. Its role is crucial in maintaining the integrity and accuracy of financial reporting, which is essential for making informed decisions and promoting confidence in the financial markets.

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The rule of law is relevant for national economies as it promotes transparency, accountability, and limits the possibility of corruption. It also ensures the protection of property rights, promotes fair competition, and encourages investors.

The rule of law limits the arbitrary use of power, promotes transparency, and accountability. This is significant for national economies as it makes a country a favorable destination for investment. The rule of law assures investors that their contractual agreements will be enforced, and their property rights will be protected.

In a stable legal system, businesses feel encouraged to invest more and expand, which leads to the growth of the economy and development. The legal system provides a framework that ensures economic growth by promoting fair competition, market-oriented strategies, and accountability. Thus, the rule of law plays a crucial role in national economies and creates a conducive environment for business growth and development. Its presence assures the enforcement of contracts, and minimizes risks and uncertainties that are associated with transactions.

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Yes, supply and demand affects the changes of prices in a price-setting

system because of law of supply and demand.

The law of supply and demand is an economic theory which explains that  how supply and demand are related to each other. It's a fundamental economic principle that when  the supply exceeds demand  the prices will fall. When demand exceeds supply, prices rise.

If there is an increase in supply for goods and services while demand remains the same, prices always fall to a lower equilibrium price and a higher equilibrium quantity of goods and services.

If there is a decrease in supply of goods and services while demand remains the same, prices tend to rise  and a lower quantity of goods and services.

The same inverse relationship is applicable  for the demand for goods and services. However, when  the demand increases and supply remains the same, the higher demand will  lead to a higher equilibrium price and vice versa.

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In the service culture, processes are invisible and procedures are not well defined or documented. This culture is focused on customer service, to provide the best experience.

Therefore, processes are invisible, that is, the customer is not able to identify internal processes if they are not useful, but they must perceive the service as a mystery where all their needs are promptly met.

In the service culture, this is also not well defined or documented, so as not to create standardization of the service, but a personalized service that meets the needs of each customer individually.

Therefore, in the service culture, the focus is on offering the best experience for the customer, through the creation of value, excellent service and employees capable of satisfying their needs.

The service culture is capable of generating greater competitiveness, customer loyalty and positioning for a company.

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Answer:

True

Explanation:

Using a credit card issued by a store, a bank card such as VISA or Mastercard, or overdraft protection are examples of open-end credit.Unless you pay off the debt in full each month, you will have to pay a high-rate of interest or other kinds of finance charges for the use of credit.

Consider the capital asset pricing model. The market degree of risk aversion, A, is 3. The risk premium is 2.25%. If the risk-free rate of return is 4%, the expected return on the market portfolio is 4.75%.

The risk premium is the excess return an investor expects to earn over the risk-free rate of return. In this case, the risk premium is 2.25%. The risk-free rate of return represents the return an investor would receive if they invested in a risk-free asset, such as a government bond. In this case, the risk-free rate of return is 4%.
Expected return on the market portfolio = risk-free rate + beta x (expected market return - risk-free rate)

Beta represents the systematic risk of an asset compared to the market portfolio. In this case, we do not have information on beta. Therefore, we assume that beta is equal to 1, which is the beta of the market portfolio.
Using the information provided in the question, we can calculate the expected return on the market portfolio as follows:
Expected return on the market portfolio = 4% + 1 x (2.25%) / 3
Expected return on the market portfolio = 4% + 0.75%
Expected return on the market portfolio = 4.75%
Therefore, the expected return on the market portfolio is 4.75%. The closest answer choice to this value is 6.75%, which is not the correct answer. The correct answer is not provided in the answer choices.

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The surge impedance of the power cable can be lower or greater than that of the overhead transmission line.

Surge impedance refers to the characteristic impedance of a transmission line during transient conditions, such as lightning strikes or switching surges. It is influenced by various factors, including the line's physical dimensions, conductor spacing, and dielectric properties. While overhead power transmission lines typically have a well-defined surge impedance due to their uniformity, power cables can have different surge impedances depending on their design, materials, and installation conditions.

Factors such as the cable's insulation type, conductor arrangement, and surrounding medium can affect its surge impedance. For example, underground cables may have lower surge impedance compared to overhead lines due to the proximity of the conductor to the surrounding earth, which alters the effective dielectric constant. On the other hand, certain types of power cables, such as high-voltage submarine cables, may have higher surge impedances due to their specific design considerations.

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Answer:

663.58

Explanation:

From the problem:

E, the maximum allowable error, is $100

The value of z for a 99 percent confidence level is 2.576

Estimate of standard deviation is $1,000.

n = [(z x s)/ E] ^ 2

n = [(2.576 x 1000) / 100}^2

= 25.76^2

=663.58

The steps that marketing management performs to the scenarios that describe the steps include the "Discovery Step --- Marketing management team are performing detailed research for the best target market for their products or services."

The other steps that marketing management performs to the scenarios that describe the steps include the following:

Hence, in this case, it is concluded that the Marketing management team plays a vital role in the product life cycle.

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