Ruthe lost her job last year, and she's fallen three months behind on the mortgage payments for her baltimore home. she seeks the services of chuck, a foreclosure consultant. chuck charges ruthe $1,000 up front, then disappears and fails to return ruthe's calls. phifa permits ruthe to ______.

Answers

Answer 1

Phifa permits Ruthe to take action where Chuck can be held accountable in a private lawsuit for up to $3,000 in damages and appropriate legal costs.

What is a lawsuit?

A lawsuit is an action brought by one or more parties in a civil court of law against another party. In most cases, the procedures involved in a civil lawsuit are known as litigation.

For damages occurred as a result of a PHIFA-prohibited practice, a homeowner may file a civil lawsuit against a foreclosure consultant.

The court can impose fines up to three times the amount of real damages if it determines that the accused violated PHIFA intentionally. The homeowner may also demand fair legal fees.

Therefore, Ruthe can demand $3,000 as damages in the private lawsuit.

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Related Questions

(c) The price of widgets is $9. If the hardware store wants to increase its revenue, how should it change the price

Answers

The hardware store would have to trade up certain goods to get an increase on its revenue. Hence, for the hardware store to change the price, trade up is the option. Read below about trade up.

What is trade up?

Trading up means adding a higher-priced, higher-quality version of a product to the range, generally to increase sales of the lower-priced model through consumer association of its image with the more prestigious model.

Therefore, the means by which the hardware store can change the price or increase its revenue is by trade up.

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7. If the variable cost per unit increases by $1, spending on advertising increases by $1,150, and unit sales increase by 130 units, what would be the net operating income

Answers

Disclaimer

The question is incomplete and hence the correct question is shown below

Oslo Company prepared the following contribution format income statement based on a sales volume of 1,000 units (the relevant range of production is 500 units to 1,500 units):

Sales: $20,000    

Variable expenses: $12,000    

Contribution margin: $8,000    

Fixed expenses: $6,000

Net operating income: $2,000  

If the variable cost per unit increases by $1, spending on advertising increases by $1,150, and unit sales increase by 130 units, what would be the net operating income?

The net operating income is $860

Given the values for sales , variable expenses , contribution margin , fixed expenses and the net operating income

We know that

Sales: ((1150+130)=1180 units) * ($20,000/10)=$20) = $23,600

Variable Expenses: 1180 units * ($12,000/1000)+1) = $13) = $15,340

Contribution Margin (Sales - Variable Expenses): $8,260

Fixed Expense (Variable Expense - Contribution Margin): $7,400

Net Operating Income (Contribution  Margin - Fixed Expense): $860

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Product differentiation by incumbents acts as an industry entry barrier because: new entrants will not have the technological capability to differentiate their products. incumbents will take legal action if new entrants do not differentiate their products. it helps a firm to derive greater economies of scale. new entrants will have to spend heavily to overcome existing customer loyalties.

Answers

Product differentiation by incumbents acts as an industry entry barrier because (D) new entrants will have to spend heavily to overcome existing customer loyalties.

What is product differentiation?A marketing tactic called "product differentiation" aims to set a company's goods or services apart from those of its rivals. Identifying and articulating a product or company's distinctive traits while stressing the key distinctions between that product or company and its rivals are necessary for successful product differentiation. Creating a compelling value proposition and product differentiation work hand in hand in order to make a product or service appealing to a target market or audience.If done well, product differentiation can give the seller of the product a competitive edge and ultimately increase brand recognition. The quickest high-speed Internet service or the most fuel-efficient electric car on the market are two examples of distinct products.

Therefore, product differentiation by incumbents acts as an industry entry barrier because (D) new entrants will have to spend heavily to overcome existing customer loyalties.

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Sofia works for Galaxy Manufacturing Inc., where her team shares a machine and materials with another team that works a different shift. Each team is responsible for ensuring that the machine is in working order and the work area is fully stocked before handing it over to the other team at shift change. The two teams sharing a work space and machine is known as ________ interdependence. Group of answer choices complete pooled reciprocal sequential

Answers

The two teams sharing a work space and machine is known as sequential interdependence.

What is sequential interdependence?

Your team members depend on one another in predictable ways for the flow of information, tasks, and decisions when there is sequential interdependence.

It has the following features-

sequential interdependence is a type of task interdependence.The output of one person serves as the input for the following one in the chain. What the name implies is precisely that: sequential dependency. When one department or team must complete a task before another team can, it occurs.

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After critical success factors have been identified, the next step in developing a competitive strategy is to develop relevant and reliable measure for these critical success factors. These measures are important to help the organization:

Answers

These measures are important to help the organization monitor progress toward achieving strategic goals.

What is a Staretegic Goal?

This refers to aims and objectives of a business and the steps it takes to achieve them.

Hence, we can see that the next step to take after the critical success factors have been identified is to develop competitive strategy that would help to monitor progress toward achieving strategic goals.

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Why do you need to know what your audience is thinking and feeling on their path-to-purchase with your organization

Answers

We may begin to develop material that speaks to the requirements of our audience if we are aware of their underlying motives and potential obstacles.

Why do you need to know what your audience  on their path-to-purchase?

Many manufacturers examine patron pride as a mirrored image of ways efficiently the enterprise is assembly patron expectations.

However, not withstanding the perception it could offer into the effect a commercial enterprise is making, patron pride by myself fails to offer perception into the fulfillment of a company’s patron enjoy strategy.  For example, a patron might be particularly glad however absolutely unmotivated to make extra purchases or propose the logo to others.

When you integrate patron pride with a broader strategy, to leverage emotional connection, you’re capable of compare how probable clients are to buy greater, propose greater, and continue to be dependable over time.

Our today's studies has determined that the clients of these days need manufacturers to construct an emotional reference to them and exhibit an know-how of ways they feel. More than 60% of clients need groups to care greater approximately them and say that they might purchase greater as a result.

Customer pride is a miles less complicated metric to degree than emotion. As defined in our manual to taking pictures patron emotion, even if clients try to describe how they feel, they won't completely recognize their very own subconscious emotional responses and be capable of as it should be describe their enjoy.  As a result, groups ought to leverage an omnichannel analytics platform to investigate the emotional connection a patron has together along with your commercial enterprise primarily based totally on records from throughout sources.

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If washburn guitars were to lower the price of the maya pro dd75 to $2,499 from $2,699, sales of the guitar would increase 30 percent. This illustrates.

Answers

The Washburn guitars reduces their price from  $2,499 to $2,699 as a result of the sales of the product drastically increased by 30%, So this represents that the product has an elastic demand.

What do you mean by elastic demand?

When the price of a product has a massive effect on the quantity purchased is called Elastic demand. A product is stated to have an elastic demand if sales drop sharply in reaction to a growth in price, or sales spike whilst prices are decreased.

Thus, The Washburn guitars reduces their price from  $2,499 to $2,699 as a result of the sales of the product drastically increased by 30%, So this represents that the product has an elastic demand.

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Your client has a documentary film coming out next month. They have three separate 30-second promo videos and want to identify which ad viewers watch to the end most often. To prioritize showing that ad, which type of video creative optimization would you use

Answers

To prioritize showing that ad, the type of video creative optimization to use would be dynamic creative optimization

What is Video Creative Optimization?

This refers to the use of visual effects to make a media file or video come out better by making some changes to it.

Hence, we can see that based on the fact that there are different 30-second videos and get feedback from customers, the use of dynamic creative optimization would be encouraged so that each ad would be prioritized.

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A media strategy involves _____ for an advertising and marketing campaign.

Answers

In most time, the media strategy involves analyzing & choosing media for an advertising and marketing campaign.

What is a media strategy?

This refers to those action that help a firm to reach their target audience as well as to improve the overall customer conversion rate.

Hence, most time, the media strategy involves analyzing & choosing media for an advertising and marketing campaign.

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A firm will have constant profits of $100,000 per year for the next four years, and the interest rate is 6 percent. Assuming these profits are realized at the end of each year, what is the present value of these future profits

Answers

Answer:

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Explanation:

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The typical pattern revealed in a budget constraint model shows that as the quantity consumed rises,.

Answers

The typical pattern revealed in a budget constraint model shows that as the quantity consumed rises the cost of good purchased also increases.

What is Budget constraints model

The models shows the amount of goods and services that an individual consumer can purchase based on a given income.

The income of the individual could be inform of salary.

Therefore, The typical pattern revealed in a budget constraint model shows that as the quantity consumed rises the cost of good purchased also increases.

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Departmental information for the four departments at Samoa Industries is provided below. Total Cost Cost Driver Square Feet Number of Employees Janitorial $150,000 Square footage serviced 200 40 Cafeteria 50,000 Number of employees 20,000 12 Cutting 1,125,000 4,000 120 Assembly 1,100,000 16,000 40 The Janitorial and Cafeteria departments are support departments. Samoa uses the sequential method to allocate support department costs, first allocating the costs from the Janitorial Department to the Cafeteria, Cutting, and Assembly departments. Question Content Area 1. Determine the dollar amount of the Janitorial Department costs to be allocated to the: a. Cafeteria Department $fill in the blank d3a3f7fe8044fdc_1 b. Cutting Department $fill in the blank d3a3f7fe8044fdc_2 c. Assembly Department $fill in the blank d3a3f7fe8044fdc_3 Question Content Area 2. Determine the dollar amount of the Cafeteria Department costs to be allocated to the: a. Cutting Department $fill in the blank e20147f63072f97_1 b. Assembly Department

Answers

The dollar amount of the Janitorial Department costs is $30,000 and $120,000 respectively while the dollar amount of the Cafeteria Department costs is $10,000 and $40,000.

Dollar amount of the Janitorial Department:

Cutting department:

= $150,000 X 4,000 / (4,000 + 16,000)

= $30,000

Assembly department:

= $150,000 X 16,000 / (4,000 + 16,000)

= $120,000

Dollar amount of the Cafeteria Department:

= $50,000 X 4,000 / (4,000 + 16,000)

= $10,000

Assembly department:

= $50,000 X 16,000 / (4,000 + 16,000)

= $40,000

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A firm or individual providing financial capital to small businesses in exchange for an ownership stake in the company is called a: Group of answer choices corporate raider. takeover specialist. financial capitalist. venture capitalist.

Answers

A firm or individual providing financial capital to small businesses in exchange for an ownership stake in the company is called a venture capitalist.

Who is a venture capitalist?

A venture capitalist is usually a high net worth individual or group of people who specialise in investing in small businesses.  They usually provide financial capital to small businesses in exchange for a percentage in ownership in the company.

Due to the fact the investing in small businesses is risky, the returns demanded by venture capitalist is usually high.

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The multiplier principle indicates that if business decision makers become more optimistic about the future and, as a result, increase their investment expenditures by $82 billion, real GDP a. will increase by more than $82 billion if the economy was initially operating at full-employment capacity. b. will decline if the marginal propensity to consume is less than 1. c. will increase by less than $82 billion if the economy was initially operating well below capacity. d. will increase by more than $82 billion if the economy was initially operating well below capacity.

Answers

From the multiplier principle if the business increases by 82 billion dollars they will increase by more than $82 billion if the economy was initially operating well below capacity. option d.

What is the multiplier principle?

The multiplier is the economic variable that when increased or changed would lead to changes in other economic factors.

If the business should have an increase of this amount then there should be a resultant increase of similar amount in the business.

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The common denominator for decisions on service processes is _______, but for manufacturing processes it is _______

Answers

The common denominator for decisions on service processes is customer contact while but for manufacturing processes, it is product variety.

What is a common denominator?

This refers to the feature that is shared by all members, item, quantity of a subject matter.

Hence, the common denominator for decisions on service processes is customer contact while but for manufacturing processes, it is product variety.

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The graph of f(x) = x2 is translated to form
g(x) = (x – 2)2 – 3.

Answers

A parabola opens up. It goes through (0, 1), has a vertex at (2, negative 3), and goes through (4, 1).

What is graph?

A network can be mathematically represented as a graph, which shows the connections between the lines and the points.

Figure represents graph of  f(x) =[tex]x^{2}[/tex] and g(x) =(x-[tex]2)^{2}[/tex] —3

The X-axis shift is represented by the new function g(x) = f(x—c) and The Curve is moved c units along the right side of the X-axis in the f(x) graph.

The new Y-axis shift function is represented by g(x) = f(x) + b. The curve is moved b units along the Y-upward axis's direction in the graph of f(x).

If you look at the graphic, you can see that the vertex of f(x) has its X-axis and Y-axis displaced by 2 units and 3 units, respectively, to produce the value g(x)

Now, g(x) = (x-[tex]2)^{2}[/tex] —3  = f(x-2) + (-3)

Therefore, the new vertex we get is (2,-3)

g(0) = (0-[tex]2)^{2}[/tex] —3

g(0) = 4-3

g (0) = 1

As a result, g(x) passes through (0,1)

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According to the law governing mortgage loan brokers, what is the maximum commission Broker Dan can charge for securing a $15,000 second mortgage for a period of 4 years?

Answers

From the law on the mortgage brokers, the maximum commission that is charged would be 10 percent of the principal loan because the loan ahs a period of more than 3 years.

Who is a mortgage broker?

This is the term that is used to refer to the intermediary or the middle man that brings mortgage borrowers and lenders together.

The fee or the commission that they have to earn based on the fact that is for 4 years would be 10 percent.

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The graph below represents the low-wage labor market demand curve for a U.S. city; there is also a line (MinWg) showing a $12 hourly minimum wage ordinance recently enacted by the city. Using the straight-line tool, choose two of the points shown to draw the supply curve for which the new ordinance would actually make a difference in how much workers earn.

Answers

The new ordinance will make a difference when the new wages will be binding.

How to depict the information?

It should be noted that the supply curve shows the relationship between the price and the quantity supplied.

Based on the information given, when the equilibrium wage is above the minimum wage, the ordinance won't make a difference.

On the other hand, when the equilibrium wage is below the minimum wage, it'll make a difference for the worker.

Therefore, joining the lowest of the two points will give the equilibrium.

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. Write a paragraph (three to five sentences) to explain how your allocation of Marc and
Julian's portfolio matches their investment goals and priorities. (12 points)

Answers

Marc and Julian's in terms of investment priorities and risk tolerance, shares a lot of their portfolio to High-risk stocks and real estate.

How should Marc and Julian's portfolio shared?Marc and Julian's  are said to be young people that will be liken to have High risk tolerance.They will also prioritize growth in the long run.

The priorities as shared are:

32% to High-risk stocks and bonds 24% to real estate.

This is done because this is a kind of risky investments that will bring about high returns in the long run.

17% to Mutual funds 15% to retirement and others.Cash will be 3% low risk stocks and bonds will be shared 9%.

Therefore,  Marc and Julian's in terms of investment priorities and risk tolerance, shares a lot of their portfolio to High-risk stocks and real estate.

See full question below

Now it's time to help Marc and Julian allocate the investments for their portfolio. This

section is worth 28 points.

1. Marc and Julian have $30,000 they would like to invest. Based on all you know

about their investment priorities, interests, and tolerance for risk, assign each type of

investment a percentage of the $30,000. Your allocations should add up to 100%. (16

points)

Average annual rate of Recommended allocation

Type of investment return

(percentage)

Cash (includes savings

accounts and CDs) 0.5%

3%

High-risk stocks and bonds 8 - 10%

32%

Low-risk stocks and bonds 3 - 4%

9%

Mutual funds

5 - 7%

17%

Real estate

6 - 8%

24%

Retirement

4 - 6%

15%

2. Write a paragraph (three to five sentences) to explain how your allocation of Marc and Julian's portfolio matches their investment goals and priorities. (12 points)|

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The emergency room fee related to an injury incurred by the Blairs' adult son, Eric, during a visit to their home. The Blairs graciously paid the bill; however, they provided no other support for Eric during the year. For 2022 Eric earned $18,000 as a self-employed house painter. Assuming the Blairs' adjusted gross income was $30,000, what amount of medical expenses can the Blairs deduct as an itemized deduction for 2022

Answers

The amount of medical expenses that the Blairs can deduct as an itemized deduction for 2022 will be $900.

How to calculate the amount?

From the given information, the total expenses was $3150 and there is an exceed of 7.5% if the adjusted gross income.

Therefore, the amount that will be deducted will be:

= $3150 - $2250

= $900

In conclusion, the correct option is $900.

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In the United States alone, $16 billion of products and services are traded every year without any money changing hands in a practice referred to as

Answers

In the United States alone, $16 billion of products and services are traded every year without any money changing hands in a practice referred to as Barter transactions account .

A barter exchange account is handled as an asset account and the revenue from bartering is treated as income in a typical journal entry. In the aforementioned scenario, barter income would be credited with $100 and the barter exchange account would be debited with $100.A barter exchange is a group of people or businesses that have decided to swap goods or services without taking payment in cash.Disadvantages are that bartering frequently requires much time and hassle and that goods are often not readily divisible, meaning that swapped goods have to be basically equal in value if a trade is to occur.

What are barter accounts?

A barter exchange operates as a broker and bank in which each participating member has an account that is debited when purchases are made, and credited when sales are made. Compared to one-to-one bartering, concerns over unequal exchanges are reduced in a barter exchange.

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31. If a company initially records the purchase of supplies to the supplies expende account, the mount of the adjusting entry made at the end of an accounting period will be equal to

Answers

We can actually deduce here that the amount of the adjusting entry that was made at the end of an accounting period will be equal to the supplies on hand at the end of the period.

What is accounting period?

An accounting period is actually known to be the period of time that a particular accounting function is covered. It can be a fiscal year, quarterly, monthly or even weekly.

We see here that the amount of the adjusting entry that was made at the end of an accounting period will be equal to the supplies on hand at the end of the period.

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The classified balance sheet will show which asset subsections?

Answers

Asset subsections of the classified balance sheet will show

Current assets.Long-term investments.Fixed assets (or Property, Plant, and Equipment)Intangible assets.

This is further explained below.

What is a balance sheet?

Generally, the balance sheet is simply defined as a record of the financial standing of a company or as of a certain date, including a breakdown of its assets, liabilities, and capital as well as a summary of its revenue and expenses during the prior accounting period.

In conclusion, Current assets, Long-term investments are some of the Asset subsections of the classified balance sheet

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Management estimates that 1% of the $100,000 of credit sales will be uncollectible. The Allowance for Doubtful Accounts has a $100 unadjusted debit balance. The adjusting entry to record estimated bad debts includes a ______. (Select all that apply.) Multiple select question. credit to Allowance for Doubtful Accounts of $1,100 debit to Bad Debt Expense of $900 Bad Debt Expense will show a negative (or credit) balance of $1,100 credit to Allowance for Doubtful Accounts of $1,000 credit to Allowance for Doubtful Accounts of $900 debit to Bad Debt Expense of $1,000

Answers

The Adjustment entry to record the estimated bad debts include debit to Bad Debt Expense of $900 and credit to Allowance for Doubtful Accounts of $900. Thus 2nd and 5th options are correct.

What is Bad debt?

Bad Debt refers to the amount of loan which cannot be recovered. It is an outstanding balance which is irrecoverable. Thus in simply words it means the amount which will not be paid by the customer.

According to the given question, The credit balance is $100  in Allowance for Doubtful Accounts.

The credit sales method a specific percentage of credit sales represent bad debts of the previous period. Thus the difference amount comes under Allowance for Doubtful Accounts.

Journal Entry for the estimated bad debts is as follows:

DR. BAD DEBT EXPENSE                                           $900

To CR. ALLOWANCE FOR DOUBTFUL ACCOUNTS                     $900

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The authority that employees are given to swiftly solve customers’ problems is referred to as _______.

Answers

The authority that employees are given to swiftly solve customers’ problems is referred to as empowerment

What is empowerment?

Empowerment is the process of given an individual all it takes to stand alone.

It could be knowledge transfer or money or authority and it can also be used in problem solving.

Therefore, the authority that employees are given to swiftly solve customers’ problems is referred to as empowerment

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What do we call written agreements among states that serve as the most important source of international law

Answers

Treaties are written agreements among states that serve as the most important source of international law.

What are Treaties?A formal, written agreement that is enforceable under international law is known as a treaty.It is often made by and between sovereign governments and international organizations, however, it can occasionally involve individuals, corporate bodies, and other kinds of legal persons. Among other names, a treaty is often referred to as a protocol, covenant, convention, pact, or exchange of letters on a global scale. International law, however, only classifies agreements as treaties if they are enforceable by all parties.The first recorded instance of a treaty is a border agreement between the Sumerian city-states of Lagash and Umma in the vicinity of 3100 BC. Treaties are among the earliest examples of international interactions.Most major civilizations utilized some kind of international agreement, and over the early modern age, both their sophistication and number increased.

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A study by carnegie mellon university showed that drivers talking on cell phones can miss seeing ......% of their driving environment, including pedestrians and green lights (strayer, d. l. 2007). 20 10 50

Answers

(Strayer, D. L. 2007), A study by Carnegie Mellon University showed that drivers talking on cell phones can miss seeing 50 % of their driving environment, including pedestrians and green lights.

What are the risks of using cell phones while driving?

There are studies, which have found that drivers who use cell phones while driving are more likely to face accidents resulting in injuries and there is a correlation that exists between phone use and accountability for crashes.

Therefore, (Strayer, D. L. 2007), A study by Carnegie Mellon University showed that drivers talking on cell phones can miss seeing 50 % of their driving environment, including pedestrians and green lights.

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Productivity in the service sector is difficult to measure because new technology adds to:

Answers

Productivity in the service sector is difficult to measure because new technology adds to quality of services provided.

What is productivity?

Productivity is defined as the efficient way of producing goods and services. Productivity occurs when the input to a system matches the output.

When technology is added to productivity, the service sector finds it difficult to measure due to the quality of the services provided

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A company's value-creating activities can offer a competitive advantage in one of these ways. a. contribute to greater efficiency and lower costs and provide a basis for differentiation. b. contribute expense savings and enhance product exclusivity. c. reduce cost disadvantages and market price anomalies. d. contribute customer experience value and conserve operating functionality. e. contribute to competitive assets and discontinue distinctive competencies.

Answers

A company's value-creating activities can offer a competitive advantage by contributing to greater efficiency and lower costs and provide a basis for differentiation.

What is differentiation?

This is a process whereby organizations ensure that their product are recognized in the market space. The aim is to distinguish a company's product from competitors.

Hence, a company's value-creating activities can offer a competitive advantage by contributing to greater efficiency and lower costs and provide a basis for differentiation.

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Changing the business task involves defining a new _____.

Answers

Changing the business task involves defining a new question or problem to be solved.

What is involved in changing business tasks?

The process of changing the business task involves these steps:

Assessment of what needs changingPreparation of the business for changeExecution of the changes.

It has been discovered that during the assessment step, customers and competitors should be coopted so that the results of data analysis can be properly verified.

Thus, changing the business task involves defining a new question or problem to be solved.

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