Handle the dishes strictly by the edges and avoid touching the food with your fingers. Bring out all the food for the table at once. Never let a visitor go hungry.
Make sure the visitors don't want to order anything else before giving them the bill. In the F&B establishments, a variety of policies are used to determine guest bills. Some people prefer that customers pay with cash at the cashier's counter. To guarantee that just the correct amount is charged to the customer in this situation, the serving staff must accompany the customer to the payment counter. Any firm that offers services relies on interaction with the customers. In fact, the support team must always be ready to manage unforeseen scenarios. When moving about the dining room with the trays in their hands, the serving staff must use caution.
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robert bryan earns 400 per week plus 3% of sales in excess of 7000. if robert sells 21000, how much are his weekly earnings
Robert's basic wage is $820. when he earns 3% of sales those are over $7000.
Robert Bryan Jr. earns $400 every week in adding to 3% of sales above $7,000 in overall. Whatever the Robert's weekly income if he sells $21,000?
Subtract that amount from Robert's sales to figure out how much robert could generate compensation off of first if he obtains 3% of revenues over $7,000 in the case.
$21,000 - $7,000 = $14,000
After that, multiply the number he could really make profit on by 3%:
14,000 x 3% = $420
The last stage is to increase his $400 weekly salary by his weekly commissions:
$420 + $400 = $820
Robert's weekly salary is $820.
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find the schedule and cost variances for a project that has an actual cost at month 22 of $540,000, a scheduled cost of $523,000, and an ev of $535,000
Profitability index is 0.0102, while schedule performance measure is 0.0099.
What is an example of cost variance?A cost variation, in general, is the discrepancy between a cost's actual number and its intended or budgeted amount. For instance, a corporation would have a cost variation of $150 if actual repairs costs for May were $950 as opposed to the $800 projected amount.
What causes variations in costs?The authors of the budget could make mistakes as they are putting the approach together.
PV = $540,000
EV = $535,000
AC = $523,000
Cost variance = EV-AC
=$535,000 - $523,000
= $120,00
Schedule variance = EV-PV
=$535,000-$540,000
= - $5,000
Cost Performance Index= EV/AC
=$535,000/$523,000
=1.02% or 0.0102
Schedule Performance Index= EV/PV
=$535,000/$540,000
=0.99% or 0.0099
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The classifications used to categorize cash inflows and outflows on the statement of cash flows includes activities, activities, and activities.
a. True
b. False
The classifications used to categorize cash inflows and outflows on the statement of cash flows includesoperating, financing, investing activities. Hence, it is a false statement,
On the statement of cash flows, financing activities are where stockholder and creditor cash inflows and outflows are categorised.
Offering a budget for business activities, making purchases, or making investments is known as financing. Financial institutions, including banks, are in the business of providing capital to businesses, customers, and traders to enable them to realise their aspirations. The study and field of money, money, and capital assets is known as finance. It is closely related to economics, which is the study of the creation, transfer, and use of money, assets, goods, and services, albeit it is not the same thing.
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weatherspoon company has a product with a selling price per unit of $200, the unit variable cost is $110, and the total monthly fixed costs are $300,000. how much is weatherspoon's contribution margin ratio? group of answer choices 45% 55% 150% 182%
weatherspoon's contribution margin ratio is 45%
Calculation :
Calculate contribution margin ratio:
Selling price per unit is $200
Variable cost per unit is $90
Fixed costs are $300,000
Contribution margin ratio can be calculated by using the formula below:
Contribution margin ratio = [tex]\frac{Unit contribution margin}{Unit selling price}[/tex]
= [tex]\frac{200-110}{200}*100[/tex]
= 45%
Contribution margin is the difference between a company's revenue and variable costs, expressed as a percentage. Gross margin earned by a company represents the total revenue available to pay fixed costs and make a profit .
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tips for creating a kickstarter campaign to launch your e-commerce brand launching a kickstarter e-commerce brand
The amount of effort largely depends on the size and complexity of the campaign, but every Kickstarter project has its share of thrilling and challenging moments.
One can anticipate being quite busy in the days immediately following launch as you inform your community, respond to inquiries from potential backers, and more. To meet your financial target, you might need to spend the last few days organizing your social networks.
Make sure to mention a few essential information about why you're pleased about campaign when you inform your larger mailing list that it is live. Share your project on social media with eye-catching graphics and unique referral tags to make it easier to monitor the source of your donations.
When a project takes on a life of its own, you should prepare to spend more time generating and completing incentives.
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which of the following describes when inflation is continuing but at a declining rate? select one. question 1 options: a. disinflation b. deflation c. outflation d. none of the above
O[tion b. deflation is when inflation is continuing but at a declining rate.
Inflation's opposite, deflation, is mostly brought on by changes in supply and demand. On the other hand, disinflation demonstrates the pace of change of inflation over time. Although it is decreasing with time, inflation is still a good thing.
When the average cost of goods and services in an economy rises, this is called inflation. When the supply of money grows more slowly than the supply of goods and services, there is deflation, which lowers prices since more can be purchased for the same amount of money.
Deflation encourages saving and deferring spending because future prices will be lower and buying power will be higher. Reducing expenditure, this trend hurts the economy. Deflation also makes it harder for borrowers to repay their debt because it makes it more expensive to do so.
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What is it called when your paycheck or money is put directly into your account?
Money kept at a bank is referred to as a deposit in the world of finance. A deposit is a deal in which money is given to someone else to keep safe.
A fully automated technique of handling transactions is direct deposit. When a direct deposit is made, the payer sends a digital payment that is instantly deposited into the payee's checking account. The money will move without a physical check or a trip to the bank by either party. Direct deposit, as it relates to work, is the electronic transfer of net pay from a financial institution owned by an employer to a person's personal bank account. This transaction occurs across a network known as the Automated Clearing House . In the realm of finance, money kept at a bank is referred to as a deposit. A deposit is a transaction in which money is entrusted to another party for safekeeping.
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what is not an escalation clause? group of answer choices it is a clause that covers risks associated with underground utilities, grading, and excavation it is a clause that covers when the truck can deliver building materials it is usually negotiated into the construction contract when there is suspicion that some pricing component of the estimate is in a high state of flux. it is the same thing as a contingency and tries to account for unforeseen conditions
(1) It is a clause that covers risks associated with underground utilities, grading, and excavation.
What is an escalation clause?
It is a clause in a lease or contract that permits changes in the agreed price depending on certain factors beyond the control of either party.
What is escalation clause in real estate?
It refers to a section of a property contract that states that a potential buyer is willing to raise their bid on a home if the seller receives a higher competitive bid. This clause indicates that the buyer is willing to pay more than the maximum bid and spending limit.
Understanding real estate:
Real estate is a form of real estate, and means anything that belongs to land. It can be used for residential, commercial, or industrial purposes and typically includes any land-based resource such as water or minerals.
Categories of real estate:
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Which of these can arguably lead to a more participative structure and lead to improved communication in the organization?a. Vertically tall structuresb. Structural interventions c. Centralization d. Command-and-control structure e. Decentralization
Option E is correct, Decentralization. Decision-making processes within an organization are referred to as decentralized.
When everyday operations and decision-making authority are transferred from top management to middle- and lower-level managers—and occasionally even team members—this is known as decentralization in business. Middle management has more decision-making power in decentralized organizations. These middle managers may have sufficient authority in these firms to make decisions that affect day-to-day operations without consulting directors and executives. Decentralized decision-making entails giving employees the freedom to make tactical and strategic choices on their own, free from interference from managers. It might appear to be giving up control.
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a $1,000,000 lottery prize pays $50,000 per year for the next 20 years. if the current rate of return is 3.25%, what is the present value of this prize? (assume the lottery pays out as an ordinary annuity. round your answer to the nearest cent.)
Present value = Annuity * [1 - 1 / (1 + r)^n] / r
Present value = 50,000 * [1 - 1 / (1 + 0.0325)^20] / 0.0325
Present value = 50,000 * [1 - 1.895837] / 0.0325
Present value = 50,000 * 14.5393
Present value = $726,967.3073
An annuity is a progression of equivalent incomes, or installments, made at customary stretches (e.g., month to month or every year). Equal payments with regular intervals between them are required.
An ordinary annuity's cash flows, or payments, occur at the end of the period.
The following is an illustration of a typical five-year annuity with annual cash inflows of $100: a timetable indicating that each of the next five years will see 100-dollar cash inflows.
At the finish of years 1 through 5, incomes are created. The first cash flow is generated at the end of the first year.
Ordinary annuities make up the majority of appraisal issues; Specifically, it is presumed that payments will be made at the conclusion of the period. The factors and formulas in AH 505 can only be used for ordinary annuities. An annuity in which the cash flows, or payments, begin at the beginning of the period is known as an annuity due. Annuity in arrears is another name for annuity due.
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how does a society or a country make the decision about the tradeoff between equality and economic output? hint: think about the political system.
Each country faces a special amplitude of tradeoff among inequality and income.
The required details about amplitude is mentioned in below paragraph.
Amplitude is the distinction in a safety's fee from its wave cycle trough (bottom) to the crest or height of its fee motion over a length of time. Amplitude is high-quality whilst calculating a bullish retracement (whilst calculating from trough to height) and bad whilst calculating a bearish retracement (whilst calculating from height to trough)The guidelines to decrease inequality and melt the complication of poverty can also additionally preserve political guide for a marketplace economy. If society does now no longer make a few attempt towards lowering inequality and poverty, residents may are looking for monetary safety with the aid of using disturbing pro-worker laws, fee floors, protectionism from worldwide trade.
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the primary purpose of relationship-oriented leadership behavior is to ensure that people, equipment, and other resources are used in an efficient way to accomplish the mission of a group or organization.a. trueb. false
The given statement, the primary purpose of relationship-oriented leadership behavior is to ensure that people other resources are used in an efficient way to accomplish the mission, is false.
Are leaders who prioritize relationships better?One common conclusion is that relationship-focused leadership will result in increased team learning and cohesion among organizations. Additionally, it has been demonstrated that relationship-focused leadership has a favorable impact on self-efficacy and has a greater individual impact. While a relationship-oriented leader may place greater emphasis on the person carrying out the activities, a task-oriented leader may depend on the completion of specific tasks to assess whether a goal has been attained. However, this leadership style has significant drawbacks, such as making people feel overburdened and lacking in direction. Tasks and deadlines may become unclear due to a lack of clarity.
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suppose a country wanted to increase the rate of growth of its per capita real gdp. it could do this by part 2 a. decreasing the growth rate of real gdp and increasing the population growth rate. b. decreasing the growth rate of real gdp and decreasing the population growth rate. c. increasing the growth rate of real gdp and increasing the population growth rate. d. increasing the growth rate of real gdp and decreasing the population growth rate.
If a country wanted to increase its per capita GDP rate of growth, one thing it could do is d. increasing the growth rate of real GDP and decreasing the population growth rate.
What is GDP per capita ?The Gross Domestic Product per capita is computed by dividing a country's GDP by its population to get the economic production per person in that nation.
Along with GDP, per capita GDP is frequently examined. This statistic is used by economists to get insight into both the domestic productivity of their own nation and the productivity of other nations.
Per capita GDP takes into account a nation's GDP as well as its population. Understanding how each factor affects per capita GDP growth and how it affects the overall result can therefore be crucial.
With the Per capita GDP taking the population of a country into account, the per capita GDP can be increased if the population grow rate decreases and so there are less people, while the GDP grow rate increases.
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a stock is currently priced at $87.50 per share. a call option on the stock with an exercise price of $84 is priced at a call prpemium of $5.18. the option expires one month from today. the call options intrinsic value is
The option expires one month from today. the call options intrinsic value is zero.
As per black-scholes formula
C= SN(d1)-n(d2)ke^-rt
for standard deviation of infinite positive, (d1)=1 and for infinite negative n(d2)=0
Price of call = $87.50 as 2nd part of the equation become zero
Call options are financial agreements that grant the option buyer the right, but not the duty, to purchase a stock, bond, commodity, or other asset or instrument at a defined price within a specified time frame. The term "underlying asset" refers to the stock, bond, or commodity. A call buyer makes money when the value of the underlying asset rises.
A put option, which grants the holder the right to sell the underlying asset at a predetermined price on or before expiration, can be compared to a call option.
One call option contract, for instance, may grant the owner the ability to purchase 100 shares of Apple stock for $100 up until the expiration date three months later.
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jasmine, a 40-year-old single taxpayer, contributed $5,000 to her traditional ira. she is an active participant in a retirement plan at work. her ira modified adjusted gross income is $76,500. what is her ira adjustment to income?
Single: MAGI between $129,000 and $144,000 for a partial income contribution or less than $129,000 for a full contribution. If you are married filing jointly.
Your MAGI must be between $204,000 and $214,000 to make a full contribution. If you or your spouse are protected by a workplace retirement plan and your income is above a specific threshold, the deduction can be restricted. Your adjusted gross income (AGI) for that year may be reduced dollar-for-dollar by contributions to a traditional IRA. If you have a conventional IRA, the amount by which your AGI can be decreased may be capped by your income and any employer retirement plans you hold.
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foreign-entry modes such as acquisitions and greenfield projects are usually disadvantageous because they require a high level of capital and resource investment but allow for a low level of control. t or f
Foreign-entry modes such as acquisitions and greenfield projects are usually disadvantageous because they require a high level of capital and resource investment but allow for a low level of control is false.
How does investing work?An asset or object purchased with the intention of generating income or appreciation is referred to as an investment. The term "appreciation" describes a rise in an asset's worth over time. When a person buys a product as an investment, they don't intend to utilize it right away; instead, they plan to use it to make money later on.
How do newbies invest?By depositing funds into an online investment account, which can then be used to purchase shares of stock or stock mutual funds, beginners can learn how to invest in stocks in one of the finest ways possible. You can open a brokerage account and begin investing with as little as one share.
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what type of analysis is commonly used in the selection and implementation step of creating public policy?
Public policy evaluation, according to some researchers in the field of public policy administration, is a distinct component of the policymaking process.
According to Lyhne (2011), p. 321, a policy is a set of goals and specific actions that, when implemented, can assist in solving a problem. Ridde (2009) defines a policy, on the other hand, as "things or actions that the government has deemed right or wrong for people."
If the government decides to carry out a particular action that is in the community's best interest but fails to achieve the desired results, policy analysts go to great lengths to uncover the causes of a policy's failure.
One approach to achieving this is to examine various flaws during the policy formulation and implementation phases.
If there are issues in any of the phases, it means that important factors that would have ensured that each step in the formulation and implementation phases aligns with the policy's desired end goal were not taken into account during the policymaking process.
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what advantages does graduating from a law enforcement training program that offers peace officer standards and training (post) certification provide? post certification is expensive to receive, so it makes clear that the recruit is serious about finding employment. post certification is expensive to receive, so it makes clear that the recruit is serious about finding employment. post certification is exactly the same everywhere in the country. post certification is exactly the same everywhere in the country. post certification is a clear statement to a potential law enforcement employer that the recruit has received training consistent with the duties and obligations of a police officer. post certification is a clear statement to a potential law enforcement employer that the recruit has received training consistent with the duties and obligations of a police officer. post certification is only awarded to the top 1 percent of graduates from an academy. post certification is only awarded to the top 1 percent of graduates from an academy.
A recruit's post certification makes it evident to a prospective employer in the law enforcement community that they have received training in line with the obligations and duties of a police officer.
All municipal police officers must adhere to standards and training that are developed and enforced by the Tennessee Peace Officers Standards and Training (P.O.S.T.) Commission. The Commission advocates for full-time peace officers in Tennessee to get ongoing training in law enforcement. The Commission is made up of 15 people, including members of the local police force, lawmakers, and non-law enforcement citizens of Tennessee. Two employees, as well as the staff of the Tennessee Law Enforcement Academy, assist the Commission's work. The P.O.S.T. Commission, which acts as the principal regulating body for Tennessee law enforcement, creates and upholds standards for law enforcement organizations throughout the state, including physical, academic, and proficiency requirements for both employment and training.
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What is communicative strategy in your own words?
A communicative strategy is a plan or method that is used to effectively convey a message
A plan or technique used to effectively communicate a message or piece of information to another person is known as a communication strategy. This can involve using specific words, tone of voice, body language, and other means of communication to convey the message in a clear and understandable way. Communicative strategies are important in many different settings, including interpersonal relationships, business meetings, and public speaking.
For example, a teacher might use a communicative strategy to explain a complex concept to their students in a way that is easy for them to understand. A salesperson might use a communicative strategy to persuade a customer to buy a product. Having a variety of communicative strategies allows the person to adapt to different situations and communicate effectively with others.
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Which one of the following is a primary component of an internal control system?A. MonitoringB. Chain of commandC. Financial pressureD. Physical controlsE. Bonding
Answer:
Bonding
Explanation:
I think that's what out teacher said
sorry if im wrong :>
A profit maximizing monopoly never produces an output in the range of its curve. A. inelastic; demand B. inelastic; supply C. unit elastic, marginal revenue D. elastic, supply
A profit-maximizing monopoly never produces an output in the inelastic range of its demand curve. Option A
What is the demand curve?Generally, A graphical depiction of the connection between the cost of an item or service and the quantity of that good or service that is wanted over a certain amount of time is referred to as the demand curve.
The price will often be shown along the left vertical axis of a representation, while the amount that is desired will be shown along the horizontal axis.
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what is the effective-interest method of amortization and how is it different from and similar to the straight-line method of amortization
Simply because it is more exact from period to period than the straight-line approach, which amortizes the same amount every month, the effective interest way of amortizing a bond is thought to be better to the straight-line method.
In accounting, amortization is the systematic expense over the expected "useful economic lives" of intangible assets of the acquisition cost less the residual value to reflect their consumption, expiration, obsolescence. The process of amortization may also refer to its conclusion, as in "the tower's amortization was anticipated in 1734." For tangible assets, depreciation is the comparable idea. The methodologies used to allocate depreciation to each accounting period are typically also used to allocate amortization. But certain intangible assets, including goodwill and specific brands, can be thought to have an endless useful life and are therefore exempt from amortization.
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why can a monopoly make a positive economic profit even in the long run? a monopoly can make positive economic profit in the long run because _____.
A monopoly can make positive economic profit in the long run because barriers to entry prevent other firms from entering the market and sharing the profit.
Why is it possible for a monopoly to generate economic profit over time?Due to hurdles to entry, monopolists can eventually generate a profit. Monopolies result in a welfare loss because, at their profit-maximizing output level, the extra benefits of expanding output would outweigh the extra costs.
Even in the long run, businesses are prevented from joining the market by the presence of significant entry barriers. Because of this, it is possible for the monopolist to evade competition and carry on reaping long-term economic gains.
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which statement about advertising laws is correct? question 48 options: 1) advertising of pharmaceuticals is unrestricted in most countries. 2) toy, tobacco, and liquor advertising is restricted in numerous countries. 3) advertising on television is unregulated in most countries. 4) the internet is the only medium where no restrictions exist in any country. 5) television ads are exempted from tax in all countries.
The correct statement on advertising rules is that advertising for toys, cigarettes, and alcohol is prohibited in many nations. Option (2).
In order to combat the tobacco industry's efforts to draw in new, present, and recently quit smokers, restrictions on tobacco industry advertising and promotions at the point-of-sale are a successful strategy. The NCI has shown that exposure to tobacco marketing and young smoking uptake are causally related. Studies have found that kids who are exposed to tobacco promotion more frequently are 60% more likely to have attempted smoking and 30% more likely to be sensitive to future smoking.
More thorough tobacco control measures, such as limiting the number of retailers who can sell tobacco in a community, limiting the kinds of products sold, and/or banning price promotions and discounts, are another strategy to lessen exposure to tobacco advertising at the point of sale. For instance, a research assessing the effects of banning the sale of flavored tobacco products revealed that overall exterior store advertising for tobacco products reduced in cities that banned the sale of flavored tobacco products.
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which type of services offer tangible components along with the service component? which type of services offer tangible components along with the service component? end product services self-services pure services state utility services
The offer tangible components along with the service component is end product services. The correct option is (a).
What do you mean by the end product services?End product services are those that provide tangible components in addition to the service component. For instance, in restaurants, there is food and a dining service.
A service business is one in which the buyer's perception of the value of the offering is mostly based on the services rendered to him rather than the products made available. All intangible services offered to the customer fall under this category.
Pure Services: Services that provide clients with extremely few or no tangible products, such as consulting, storage, training/education, etc.
Therefore, the offer tangible components along with the service component is end product services.
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Sahar oversees a copacker that cooks and bottles a popular barbeque sauce and several other condiments. It is very important that a lid is tightly secured onto each bottle prior to shrink-wrapping the outer label into place. Sahar could use Al to control this part of the bottling process in an effort to _________.
A. enhance supply chain management. B. increase productivity. C. monitor employees. D. reduce errors and defects.
Sahar could use Al to control this part of the bottling process in an effort to reduce errors and defects. Option D
What is AI?Artificial intelligence (AI) is the emulation of human intelligence in devices that have been designed to behave and think like humans. The phrase can also be used to refer to any computer that demonstrates characteristics of the human intellect, like learning and problem-solving.
Ability to reason and take actions that have the best likelihood of reaching a certain objective is the ideal quality of artificial intelligence. Machine learning (ML), a subtype of artificial intelligence, is the idea that computer programs can automatically learn from and adapt to new data without human assistance.
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an agency relationship can arise by ratification, which involves a determination of intent expressed by words or conduct.
The statement, "An agency relationship can arise by ratification, which involves a determination of intent expressed by words or conduct.", is true.
A partnership that involves one person appointing another to carry out responsibilities on their behalf is referred to as an agency relationship. When a principle gives a representative the power to act on their behalf, the relationship between the two parties is referred to as an agency relationship.
An agency relationship often arises when someone hires a lawyer to do legal work on their behalf. In this instance, the agent's ability to meet the principal's demands is made possible by a legal authorization. Since this is a contractual relationship, agency laws apply. These laws impose restrictions on what is required of and requested of each party.
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when capital structure changes after the merger, which method will be the most appropriate to value target firms in merger analysis?
Discounted cash flow approach (DCF Analysis) method will be the most appropriate to value target firms in merger analysis.
The Firm, a 1993 American courtroom thriller directed by Sydney Pollack, stars Tom Cruise, Jeanne Tripleton, Gene Hackman, Ed Harris, Holly Hunter, Hal Holbrook, David Strathairn, and Gary Busey, all of whom received praise for their performances. The 1991 novel The Firm by John Grisham served as the basis for the film. The Firm and The Pelican Brief, two films based on John Grisham books, were released in 1993. The film, which debuted on June 30, 1993, was very successful on the box office, bringing in $270.2 million against a $42 million budget, making it the highest-grossing R-rated film of the year. Despite the storyline earning unfavorable reviews, the actors received fantastic ratings.
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each time a payment is made on an installment note, the portion of the next payment associated with notes payable increases. this statement is: _________
Each time a payment is made on an installment note, the portion of the next payment associated with notes payable increases. This statement is false. The correct answer is B.
The principle amount of an installment note is partially decreased by a portion of each payment. With each additional payment, the amount of interest paid decreases (rather than grows) because the principal balance decreases while the interest rate remains constant. This is why Each time a payment is made on an installment note, the portion of the next payment associated with notes payable increases is false statement.
The cost of borrowing money is referred to as "interest expenditure." It represents the fee a lender charges a borrower for using their funds. On the income statement, the cost of borrowing money from banks, bond holders, and other sources can be displayed as interest expenditure.
An entity's interest expense is their cost of borrowing money. On the income statement, interest costs are listed as a non-operating item. This word denotes the interest payable on all borrowings, including bonds, loans, and convertible debt.
Your question is incomplete but most probably your full question is
Each time a payment is made on an installment note, the portion of the next payment associated with notes payable increases. this statement is: _________
a. True
b. False
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aerial service by using dji technology seemed to be a very profitable business then. did frank make the right decision when he reconfigured this service and focused solely on product development?
When Frank Wang started DJI (Da Jiang Innovations) Co. in his dorm room in 2006, the market for unmanned aerial vehicles, also known as drones, was only available to a select few fervent hobbyists and research institutions.
DJI began by selling parts to a few research institutions and hobbyist drone pilots worldwide. Wang began developing flight control functions, GPS systems, and video stabilization gimbals as the DIY drone market moved from single-rotor designs to quadcopter designs. He sold these products to a small audience at specialty trade shows and UAV enthusiast message boards.
The first ready-to-fly, preassembled drone on the market was DJI's Phantom, which was the company's flagship product when it was introduced in 2012. Phantom quickly became the most popular item. Phantom's ease of use contributed to DJI's steady rise to market dominance in the consumer drone market and helped it attract a following beyond devoted UAV enthusiasts. With its subsequent Mavic and Spark series, the manufacturer of drones has steadily moved toward a larger market. By 2018, DJI will have sold 72% of all drones.
DJI's success was aided by key choices: By integrating modular components, it produced a superior product with Phantom. It continued to reinvent itself by introducing new products and optimizing internal resources and processes for a product-focused strategy. It innovated around technology to meet the needs of customers.
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