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consistent with the ongoing cost of actually meeting the emission reduction targets”(USCAPs Issue Brief "Cap and Trade vs. Carbon Tax", 2009). Finally, it is an opportunity for companies when they can reduce CO2 emission because they can sell their unused credit portions of CO2 emission to other companies who struggling with the pollution problem, this can reduces the overall cost to society of the legislation, creating a more efficient system in economic terms (Editor, 2015). It is because of…

Usage of Apple Pay, a mobile payment service from Apple that lets customers make payments using their iPhone or iWatch devices, has been increasing ever since its first introduction in 2014. About 3.6 million people have used Apple Pay at least once. (LOW, E. (2015, July 28). Apple Pay Partner Stripe Gets $5 Billion Valuation. Retrieved July 30, 2015.) This number is growing thanks to the increase in frequency of transaction and the growing iPhone 6 user base. According to a study by Auriemma…

We will start comparing by segment’s averages and aggregate the results. By looking at exhibit 4 and taking the average of the firms in composite: * Diageo’s interest coverage (5.0) is lower than all segments’ average industry figure. Allied Domecq, Coca Cola, Gillette, McDonalds, Kellogg have a 2 to 3 times higher interest coverage. It is less risky for the lenders to finance those companies. * Diageo’s book gearing (59%) is slightly lower than average spirits’ segment figure, higher…

airplanes, and other innovations that people didn’t expected to see in the future. One of the services that people have developed is the online banking system. In the past, people had to stay in line to talk to an employee to get cash. Then ATMs and credit cardes appeared to help people get cash. Nowadays, people don’t have to go to the bank. They can get almost every banking service via online banking.…

probably approach your local lending institution - a bank or a credit union - and gotten different results. We understand, in light of that, why you may even wonder if you’ll get a loan from us. The truth is you’re…

more of what is going on and can expand upon what we see on our end. Not to mention, it helps us get to a solution more quickly. For example: Had you spoken to a mortgage banker here at QL? Do you remember giving authorization for us to pull your credit? How did you first come to talk to us? Did you search through a…

How does HonorSociety.org work? HonorSociety.org is one of the largest networks of Honor Societies, with a network of like-minded people that grows more and more each week. The mission of HonorSociety.org is to recognize student success and to empower students to achieve. We believe in offering our members the benefits that will help them through their journey from High School all the way through to college graduation and after, this is done with access to scholarships, discounts and access to…

ASSIGNMENT QUESTIONS: 1. What is the regulation or law that you would propose? Be very specific in the wording. (This will be your own idea and written in your own words). (20 points) Answer: After doing so much shopping online, I have decided to make a regulation regarding the theft of identities on websites and stores that are quite popular. I shop at Target, Home Depot, and even buy a lot of coffee at Starbucks and all of these companies have been hacked by identity thieves. Therefore,…

Authors are attributed to having created technologies and new innovations that expounded heavily on what they might be, and how they might be used when writing their stories. Such an example is the debit card. A debit card is a plastic payment card that can be used instead of cash when buying goods or services. The checking account of the debit holder is automatically debited when a transaction has occurred. Safety measures such as entering a personal identification number (PIN) to verify a…

check. There is the camera that connecting with provider to record the activities of customer when they using the ATM. However, The Bank of America ATM needs the card to get the money. The customer cannot go to the ATM and get the money without their credit or debit card. So the the transaction and the BoA’s cards are inseparable that together support the actions of the customer when they are using ATM. The inseparability of services makes it difficult to separate a service from the service…