Can you please help me write a memo and executive summary?
CASE 1.1 MIDI CAPITAL CANADA, COMMERCIAL
TRANSPORTATION FINANCING DIVISION
It was early morning on April 15 2016, when Steve Brant, assistant account manager for the
Commercial Transportation Financing Division of Midi Capital Canada in Toronto, Ontario,
Canada, finished reading the morning copy of The Financial Post and began reviewing a loan
request for $270,000 submitted by an existing client Simon Carriers Ltd. Simon Carriers, a
trucking company, requested the $270,000 loan to purchase two new 2016 Freightliner transport
trucks, four new 53-foot trailers and four new mobile satellite systems that would be used to
track the location of the transport trucks. Brant had to make a decision on the loan request and
forward a report to the senior account manager for approval that afternoon.
MIDI CAPITAL
Midi Capital comprised of 27 diversified businesses, including operations in North America,
Latin America, Europe and the Asia-Pacific region, its head office was located in Stanford
Connecticut. Midi Diversified, Midi Capitals parent company was a publicly traded corporation
with net earnings of over US$15 billion. Midi Capital was a major competitor in every industry it
competed in, achieving record net earnings of US$3.6 billion in 2015. It expected each of its
divisions to generate a 20% after tax-profit, and if a division fell below the goal of 20 per cent,
they would have to justify why profit targets had not been met.
COMMERCIAL TRANSPORTATION FINANCING
Commercial Transportation Financing (CTF) was one of Midi Capitals 27 divisions. The
majority of CTFs business was loaning money to medium and large-sized transportation and
construction companies. Loans from $30,000 to $1 million were provided to purchase assets
such as transport trucks, trailers, paving equipment and heavy machinery.
CTF was under tremendous pressure to generate profits. The selling strategy at CTF was Find,
Win, Keep Find new business, Win new business and Keep new and existing clients. As of April
1, 2016, less than one percent of CTFs portfolio of over 2,000 accounts had been lost to bad debt.
Account managers for the Southern Ontario Region were expected to generate $14 million in
new loans each year, without exposing Midi Capital to unreasonable levels of risk.
Several requirements had to be met before CTF would approve a loan. First, CTF did not deal
with any company that had been in business for less than three years. Second, the company
applying for the loan had to generate enough cash flow to cover the monthly interest payments
on the new loan. Third, the companys debt to equity ratio could be greater than 4:1 when
including the new loan. Fourth, CTF would not finance more than 90 per cent of the value of the
value of any asset, thereby requiring the company to have enough cash to pay for at least 10 per
cent of the assets it wanted to purchase. Lastly, CTF considered the character of the business
owners, .
Running head THOMPKINS AUTO GROUP 1 THOMPKINS AUTO GR.docxjenkinsmandie
Running head: THOMPKINS AUTO GROUP 1
THOMPKINS AUTO GROUP:
CAPITAL IMPROVEMENT AND EQUIPMENT FINANCING DECISION
Introduction
It is 2020 and the auto dealership, Thompkins Auto Group, was thriving in a stable and
growing economy. Sales were averaging a strong $50 million annually, and cost management
was very effective. As a result, the dealership was producing above average profits of 3% on
sales. However, Jerry, the far-sighted managing stockholder, knew that to keep the sales
momentum in a competitive environment, it was time to make significant improvements to
physical facilities and key equipment. His education, training, and extensive experience in the
industry all contributed to his conclusion—the financial success of Thompkins was not
sustainable without the needed improvements.
Jerry and his two co-owners had purchased the dealership from the previous owners only
five years ago. The business, located in North Central Texas, included sales of new and used
vehicles as well as the parts and service. The geographical area from which Thompkins drew its
customers was primarily rural, with several small towns located nearby. Ft. Worth is the largest
city in the region with a population of about 800,000, and the dealership, only 60 miles away,
was able to attract many customers from that city.
The economy in this North Texas area was heavily dependent on the oil industry which
was the primary source of employment. Other major sources of employment were farming,
ranching, light industry, retailing, and the service sector (private and governmental). The oil
industry was currently experiencing a low price shock. Jerry, however, knew well the vagaries
of the oil industry and had worked to make Thompkins at least somewhat resilient to the frequent
ups and downs in that industry.
Management Philosophy
THOMPKINS AUTO GROUP 2
Over the years, the financial success of Thompkins had been driven by the overriding
business philosophy of its three stockholders—to attain a consistently high level of customer
satisfaction. They felt it would lead to repeat business and, through word-of-mouth, would
contribute to growth in their customer base. Several other dealerships were active in the area; so
in addition to its development of strong repeat and referral business, Thompkins used targeted,
creative advertising to further differentiate itself from its competitors.
The partners believed that happy customers would tend to be repeat customers and would
tend to speak favorably about the company. The owners also believed that their success in
maintaining high levels of customer satisfaction was due to achieving two strategic goals. The
first was to provide excellent service. To that end, Thompkins provided first-rate, job-specific
employee training on a regular basis. In addition, the dealership provided its employees with the
most up-to-date equipment and techno.
Term ProjectFinancial Statement Analysis of Autonation and.docxbradburgess22840
Term Project
Financial Statement Analysis of Autonation and Lithia Motors Inc.
Prepared by
Monica Galindo
For
Professor C.E. Reese
in partial fulfillment of the requirement for
ACC 770 – Managerial Accounting
School of Business/Graduate Studies
St. Thomas University
Miami Garden, Fla.
Term A2/Spring, 2017
May 11, 2017
Table of Contents
Introduction 1
Business history and future 2
Financial analysis 6
Liquidity analysis 12
Activity analysis 14
Solvency analysis 15
Profitability analysis 16
Comparative analysis 18
Summary and Conclusions 21
Appendices 22
References 29
3
Term Project
Financial Statement Analysis of Autonation and Lithia Motors Inc. 2014 - 2016
Prepared by
Carlos Flores
For
Professor C.E. Reese
in partial fulfillment of the requirement for
FIN 751 – Managerial Accounting
School of Business/Graduate Studies
St. Thomas University
Miami Garden, Fla.
Term A2/Spring, 2017
May 11, 2017
Table of Contents
Introduction 2
Business history and future 3
Financial analysis 7
Liquidity analysis 14
Activity analysis 15
Solvency analysis 16
Profitability analysis 18
Comparative analysis 19
Summary and Conclusions 22
Appendices 24
References 31
Introduction
a. Objective
This paper conducts a comparative financial analysis on AutoNation and Lithia Motors with the objective to assess the financial health of the companies. Financial analyses provide objective answers and gives companies support for making informed decisions. By reviewing past and current financial statements and comparing them to the automobile industry, future predictions can be made to ensure that the companies can be profitable. Financial analyses thus allows companies to discover areas that must be improve to ensure that creditors look favorable upon the companies and drive profit potential (Asongu, 2015).
b. Scope
This financial analysis is conducted to understand key business ratios to understand AutoNation and Lithia Motors stability and compare business's financial performance to competitors and the industry as a whole. In the end, creditworthiness is assessed for both companies to determine if credit should be extended as well as the recommendations for both companies after all of the data has been analyzed and interpreted.
c. Methodology
The information from balance sheet, income statement and other financial statements will be used to calculate the relevant ratios to complete these analyses. The relevant ratios that will be used are the liquidity, activity, solvency and profitability ratios. The financial statements will then be used to conduct vertical and horizontal analyses to indicate any changes in the companies’ accounts and evaluate which accounts uses much of the companies' money. The various computations and websites references will be employed to analyze the data and make sound interpretations, recommendations and conclusions.
Business History and Future
a.Industry
The automobile industry is made up of several companies in US.
TCI Express is headquartered in Gurugram, established in the year 1996 by the name of TCI XPS as a division of erstwhile Transport Corporation of India Ltd (TCIL) to cater to the express cargo logistics needs of its existing and potential customers.
The Company has been separated from TCIL and renamed TCI Express Ltd effective from April 1, 2016, after positioning itself as an end to end express distribution specialist in a time-bound manner via surface transport.
TCI Express is headquartered in Gurugram, established in the year 1996 by the name of TCI XPS as a division of erstwhile Transport Corporation of India Ltd (TCIL) to cater to the express cargo logistics needs of its existing and potential customers.
The company has been separated from TCIL and renamed TCI Express Ltd effective from April 1, 2016, after positioning itself as an end to end express distribution specialist in a time-bound manner via surface transport.
Founded in 1944 under a different name, the bank was located in Mont.pdfalokindustries1
Founded in 1944 under a different name, the bank was located in Montreal. In 2009, it had about
1,800 employees in more than 100 business centres across Canada and served about 28,000
clients in both official languages.
JEAN-RENE HALDE
Halde joined BDC as president and CEO in 2005. With more than 30 years of management and
entrepreneurial experience, he had previously served as CEO at Metro-Richelieu Inc., Culinar
Inc. and Livingston Group Inc. He had been a director in a number of for-profit companies
including CCL Industries Inc., Gaz Metropolitain Inc., Groupe Videotron Ltee and Provigo Inc.
He had also served as a board member for numerous non-profit organizations and acted as
chairman of the Montreal Heart Institute, the Grocery Products Manufacturers of Canada and the
Association des MBA du Quebec.
Halde earned a Master of Arts in Economics from the University of Western Ontario and an
MBA from Harvard Business School.
CROWN CORPORATIONS
Crown corporations are distinct legal entities established by both the federal and provincial
governments to accomplish particular policy goals. They operate-in many sectors of the
Canadian economy, such as transportation (Via Rail), telecommunications (Stiiiiiel), mail and
parcel delivery (Canada Post), banking (BDC) and electrical generation and distribution
(Quebec. Hydro). Crown Corporations vary widely in size and in the level of financial support
they receive from the government. In some cases, they are established whcn large capital
investments are needed or to ensure that a service With SOcial benefits is provided where it
might not be profitable for the private sector to do so.
As of July 31, 2007, federal;CroWn corporations employed, some 90,000 people, managed more
than $185 billion in assets and hadltifig;term liabilities of about $145 billion. During the 2006-07
fiscal year these corporations recei,vd a tatal-iif about S5 billion in parliamentary funding. While
federal Crown corporations and federal deparmients were both established by Acts of Parliament
and reported toyarliarnent through ministers, a . central feature of Crown corporations was that
they operated at arrn'atleng,th from govcrturicnt. Crown cot potations the' efure enjoyed more
autonomy than most other government entities, in part because they had commercial objectives
as well as public policy objeCtives. (Crown corporation .budgets were also generally not debated
by Parliament, and their employees could not be public servants for collective bargaining
purposes.) An independent board of directors 'Oversaw the management of each corporation and
held management responsible for the corporation's performance in the same way as in private-
sector firms. The board of a Crown corporation was, in turn, accountable to Parliament through
the responsible minister. Like other federal Crown corporations with a financial mandate, BDC
had reporting relationships with two ministers: the minister of Finance (for financial matters
resulting fr.
Running head THOMPKINS AUTO GROUP 1 THOMPKINS AUTO GR.docxjenkinsmandie
Running head: THOMPKINS AUTO GROUP 1
THOMPKINS AUTO GROUP:
CAPITAL IMPROVEMENT AND EQUIPMENT FINANCING DECISION
Introduction
It is 2020 and the auto dealership, Thompkins Auto Group, was thriving in a stable and
growing economy. Sales were averaging a strong $50 million annually, and cost management
was very effective. As a result, the dealership was producing above average profits of 3% on
sales. However, Jerry, the far-sighted managing stockholder, knew that to keep the sales
momentum in a competitive environment, it was time to make significant improvements to
physical facilities and key equipment. His education, training, and extensive experience in the
industry all contributed to his conclusion—the financial success of Thompkins was not
sustainable without the needed improvements.
Jerry and his two co-owners had purchased the dealership from the previous owners only
five years ago. The business, located in North Central Texas, included sales of new and used
vehicles as well as the parts and service. The geographical area from which Thompkins drew its
customers was primarily rural, with several small towns located nearby. Ft. Worth is the largest
city in the region with a population of about 800,000, and the dealership, only 60 miles away,
was able to attract many customers from that city.
The economy in this North Texas area was heavily dependent on the oil industry which
was the primary source of employment. Other major sources of employment were farming,
ranching, light industry, retailing, and the service sector (private and governmental). The oil
industry was currently experiencing a low price shock. Jerry, however, knew well the vagaries
of the oil industry and had worked to make Thompkins at least somewhat resilient to the frequent
ups and downs in that industry.
Management Philosophy
THOMPKINS AUTO GROUP 2
Over the years, the financial success of Thompkins had been driven by the overriding
business philosophy of its three stockholders—to attain a consistently high level of customer
satisfaction. They felt it would lead to repeat business and, through word-of-mouth, would
contribute to growth in their customer base. Several other dealerships were active in the area; so
in addition to its development of strong repeat and referral business, Thompkins used targeted,
creative advertising to further differentiate itself from its competitors.
The partners believed that happy customers would tend to be repeat customers and would
tend to speak favorably about the company. The owners also believed that their success in
maintaining high levels of customer satisfaction was due to achieving two strategic goals. The
first was to provide excellent service. To that end, Thompkins provided first-rate, job-specific
employee training on a regular basis. In addition, the dealership provided its employees with the
most up-to-date equipment and techno.
Term ProjectFinancial Statement Analysis of Autonation and.docxbradburgess22840
Term Project
Financial Statement Analysis of Autonation and Lithia Motors Inc.
Prepared by
Monica Galindo
For
Professor C.E. Reese
in partial fulfillment of the requirement for
ACC 770 – Managerial Accounting
School of Business/Graduate Studies
St. Thomas University
Miami Garden, Fla.
Term A2/Spring, 2017
May 11, 2017
Table of Contents
Introduction 1
Business history and future 2
Financial analysis 6
Liquidity analysis 12
Activity analysis 14
Solvency analysis 15
Profitability analysis 16
Comparative analysis 18
Summary and Conclusions 21
Appendices 22
References 29
3
Term Project
Financial Statement Analysis of Autonation and Lithia Motors Inc. 2014 - 2016
Prepared by
Carlos Flores
For
Professor C.E. Reese
in partial fulfillment of the requirement for
FIN 751 – Managerial Accounting
School of Business/Graduate Studies
St. Thomas University
Miami Garden, Fla.
Term A2/Spring, 2017
May 11, 2017
Table of Contents
Introduction 2
Business history and future 3
Financial analysis 7
Liquidity analysis 14
Activity analysis 15
Solvency analysis 16
Profitability analysis 18
Comparative analysis 19
Summary and Conclusions 22
Appendices 24
References 31
Introduction
a. Objective
This paper conducts a comparative financial analysis on AutoNation and Lithia Motors with the objective to assess the financial health of the companies. Financial analyses provide objective answers and gives companies support for making informed decisions. By reviewing past and current financial statements and comparing them to the automobile industry, future predictions can be made to ensure that the companies can be profitable. Financial analyses thus allows companies to discover areas that must be improve to ensure that creditors look favorable upon the companies and drive profit potential (Asongu, 2015).
b. Scope
This financial analysis is conducted to understand key business ratios to understand AutoNation and Lithia Motors stability and compare business's financial performance to competitors and the industry as a whole. In the end, creditworthiness is assessed for both companies to determine if credit should be extended as well as the recommendations for both companies after all of the data has been analyzed and interpreted.
c. Methodology
The information from balance sheet, income statement and other financial statements will be used to calculate the relevant ratios to complete these analyses. The relevant ratios that will be used are the liquidity, activity, solvency and profitability ratios. The financial statements will then be used to conduct vertical and horizontal analyses to indicate any changes in the companies’ accounts and evaluate which accounts uses much of the companies' money. The various computations and websites references will be employed to analyze the data and make sound interpretations, recommendations and conclusions.
Business History and Future
a.Industry
The automobile industry is made up of several companies in US.
TCI Express is headquartered in Gurugram, established in the year 1996 by the name of TCI XPS as a division of erstwhile Transport Corporation of India Ltd (TCIL) to cater to the express cargo logistics needs of its existing and potential customers.
The Company has been separated from TCIL and renamed TCI Express Ltd effective from April 1, 2016, after positioning itself as an end to end express distribution specialist in a time-bound manner via surface transport.
TCI Express is headquartered in Gurugram, established in the year 1996 by the name of TCI XPS as a division of erstwhile Transport Corporation of India Ltd (TCIL) to cater to the express cargo logistics needs of its existing and potential customers.
The company has been separated from TCIL and renamed TCI Express Ltd effective from April 1, 2016, after positioning itself as an end to end express distribution specialist in a time-bound manner via surface transport.
Founded in 1944 under a different name, the bank was located in Mont.pdfalokindustries1
Founded in 1944 under a different name, the bank was located in Montreal. In 2009, it had about
1,800 employees in more than 100 business centres across Canada and served about 28,000
clients in both official languages.
JEAN-RENE HALDE
Halde joined BDC as president and CEO in 2005. With more than 30 years of management and
entrepreneurial experience, he had previously served as CEO at Metro-Richelieu Inc., Culinar
Inc. and Livingston Group Inc. He had been a director in a number of for-profit companies
including CCL Industries Inc., Gaz Metropolitain Inc., Groupe Videotron Ltee and Provigo Inc.
He had also served as a board member for numerous non-profit organizations and acted as
chairman of the Montreal Heart Institute, the Grocery Products Manufacturers of Canada and the
Association des MBA du Quebec.
Halde earned a Master of Arts in Economics from the University of Western Ontario and an
MBA from Harvard Business School.
CROWN CORPORATIONS
Crown corporations are distinct legal entities established by both the federal and provincial
governments to accomplish particular policy goals. They operate-in many sectors of the
Canadian economy, such as transportation (Via Rail), telecommunications (Stiiiiiel), mail and
parcel delivery (Canada Post), banking (BDC) and electrical generation and distribution
(Quebec. Hydro). Crown Corporations vary widely in size and in the level of financial support
they receive from the government. In some cases, they are established whcn large capital
investments are needed or to ensure that a service With SOcial benefits is provided where it
might not be profitable for the private sector to do so.
As of July 31, 2007, federal;CroWn corporations employed, some 90,000 people, managed more
than $185 billion in assets and hadltifig;term liabilities of about $145 billion. During the 2006-07
fiscal year these corporations recei,vd a tatal-iif about S5 billion in parliamentary funding. While
federal Crown corporations and federal deparmients were both established by Acts of Parliament
and reported toyarliarnent through ministers, a . central feature of Crown corporations was that
they operated at arrn'atleng,th from govcrturicnt. Crown cot potations the' efure enjoyed more
autonomy than most other government entities, in part because they had commercial objectives
as well as public policy objeCtives. (Crown corporation .budgets were also generally not debated
by Parliament, and their employees could not be public servants for collective bargaining
purposes.) An independent board of directors 'Oversaw the management of each corporation and
held management responsible for the corporation's performance in the same way as in private-
sector firms. The board of a Crown corporation was, in turn, accountable to Parliament through
the responsible minister. Like other federal Crown corporations with a financial mandate, BDC
had reporting relationships with two ministers: the minister of Finance (for financial matters
resulting fr.
For more than 100 years, CIT has steadily innovated,
providing carefully tailored financing solutions to meet
the needs of a changing global economy. Along the
way, CIT continually redefined what it means to be a
financing partner, providing ideas as well as capital to
build businesses – and relationships – that have endured
for decades.
Car Company is dedicated to providing an unparalleled used car shopping experience. To offer reasonable financing solutions and competitively priced vehicles to those that feel such things are out of reach.
This document brings together a set of latest data points and publicly available information relevant for Financial Services. We are very excited to share this content and believe that readers will benefit immensely from this periodic publication immensely.
Feedback from Assignment 1Introduction You did not provide a .docxlmelaine
Feedback from Assignment 1
Introduction: You did not provide a pertinent introduction of your hypothetical company or your company is not a hypothetical company. It is not clear what your product/service is and there is no physical location. The contents of your marketing plan were not introduced.
Mission Statement: This is a good mission statement, but more rationale was needed. Only four of the five questions in a mission statement were addressed. What does the mission statement convey to consumers/customers as well as internal employees and stakeholders -see the purpose of a mission statement, page 21 of textbook.
Goals: Your stated goals of revenue, profit, market share, brand awareness or customer acquisition are SMART goals: S. – Specific; M. – Measurable; A. – Assignable; R. – Realistic; T. – Time based. There were no measurements provided for your goals.
Environmental Analysis: All the elements of the environmental analysis were addressed and explained. Good job being thorough and exhibiting an understanding of the environmental factors. Remember that environmental factors are outside of your direct control, but each of these factors has influence over your business.
SWOT Analysis: The SWOT and Needs Analyses are on target and show how your company will fare in the market. Your strengths and weaknesses are clearly internal as you can control them. Your opportunities and threats are clearly derived from the environmental analysis and, while you cannot control them, they can have a direct impact on your hypothetical business.
Running Head: MARKETING PLAN FOR SILO AUTOMOTIVE FIRM1
MARKETING PLAN FOR SILO AUTOMOTIVE FIRM 13
Marketing Plan for Silo Automotive Firm
July 18, 2019
Silo Automotive
Introduction
Silo Automotive Company is a new, integrated automotive company, which manufactures electric powered vehicles and substantially scalable, clean, power harnessing automotive products. The company’s headquarters are in California together with its main manufacturing plant and was founded in 2014. The company currently has 19 manufacturing plants spread across the United States and Europe. A team of engineers whose main goal was to create an electric powered vehicle that was superior, faster, and more fun to drive in comparison to gasoline cars. The main belief of the company states the sooner the globe ends its dependency on fossil fuels and moves toward a more environmentally friendly option such as carbon fuels future, the better. This is particularly being achieved at a faster rate due to the incorporation of the two automotive segments into a single platform. The main funding sources of Silo Automotive come from the contributions of the founders since they are a combination of chief executive officers of various global engineering companies.
Background Information
The automotive industry has greatly advanced due to the changes in technology, with global sales increasing from 11.78 million annually in 1990 ...
This document brings together a set
of latest data points and publicly
available information relevant for
Travel & Transportation Industry. We
are very excited to share this content
and believe that readers will benefit
from this periodic publication
immensely.
This document brings together a set
of latest data points and publicly
available information relevant for
Travel & Transportation Industry. We
are very excited to share this content
and believe that readers will benefit
from this periodic publication
immensely.
The dump truck business plan outlines strategies for operating a fleet of dump trucks, including market analysis, financial projections, operational procedures, and growth initiatives. It details how the company will generate revenue by providing hauling services for construction, landscaping, and other industries.
can you see the pictures clearly Kriminological Theory Chart.pdfsels6
can you see the pictures clearly ?
Kriminological Theory Chart Due: Sunday by 11.59pm Module: 19 Points: 10 Learning
Objectives: - Identlly key figures associated with learning theorles (MLio i) - Summarlze the
history and development of leaming theories (MLo 2) - Apply the areuments made by leamling
thiorist(s) (MLo 3) - Connect leaming theories to a program or pollig (Mio 4 ) Purpose \&
Description: The purpose of this exercice is three-folde: (1) to help you form a basle
understanding of how theory and socla polldes are connected by focusing on the assumptons and
be completed throughout the semester. In other words you will not complete this chart ill at ence.
instesd, weu will fill in information as we cover each additional theor. Instructions: 1. Revitw the
essumption of human nature. corresponding row under the column tibed, Criminological
Theor\%. 3. Idently the central theorit(s). 4. Summarke when and/or why Differentlal
Reinforcement Theory was developed in one or two sentences. 5. Based on the arguments made
by the author(s) of oilferential Relnforcement theon, explain how efime or devince can be
addressed in one or two sentences. 6. Proide one example of a program or pollicy that is
informed by Differential Aeinforcement Theony..
Calcule el valor actual de las acciones de Coca Cola usando DDM. Val.pdfsels6
Calcule el valor actual de las acciones de Coca Cola usando DDM. Valor de las acciones =
Dividendo por accin / (tasa de descuento - tasa de crecimiento de dividendos)
el dividendo actual por accin es de $1.50 DPS(t) o TV(t) Valor presente al 9,67% 0 DPS(0) 1.48
1 DPD(1) 1.25 1.14 2 DPD(2) 1.12 0.93 3 DPD(3) 1.07 0.81 4 DPD(4) 1.07 0.74 5 DPD(5) 1.14
0.72 5 Valor terminal 32.80 20.68 Valor intrnseco de las acciones ordinarias de Coca-Cola (por
accin) $25.01 Precio actual de las acciones $42.68.
C++Sortable ObjectsStudy the file Sortable.h. It contains a simp.pdfsels6
C++
Sortable Objects
Study the file Sortable.h. It contains a simple abstract class called Sortable, which will act as a
base class for any object a collection of which can be sorted and printed.
Sortable has two pure virtual methods, compare and print. The compare method tells the object
how to compare itself with another object. It returns true if the object it is being called from is
smaller than the other object, and false otherwise. The print method allows the object to display
itself.
Modify the Data.hclass so that it operates on (pointers to) Sortable objects instead of int objects.
You will first have to change int to Sortable*. You will also have to change your sort() method to
use the compare() method of Sortable, and the print() method to use the Sortable's print()
method. (Remember, you are not making Data inherit from Sortable! We are doing composition
here, not inheritance.)
For this exercise, you are not provided any .cpp files in order to test your code yet. Testing your
code will involve creating a class that extends Sortable and pushes some objects of that class into
your Data object and trying to sort and print them. This is the goal of the next exercise.
Submit your modified Data class.
Sortable.h
#ifndef SORTABLE_H
#define SORTABLE_H
class Sortable {
public:
virtual bool compare( const Sortable* ) = 0;
virtual void print() = 0;
};
#endif
Data.h
#include
#include
using namespace std;
class Data {
private:
vector numbers;
public:
void add(int number) {
numbers.push_back(number);
}
void sort() {
// Using bubble sort algorithm
int n = numbers.size();
for (int i = 0; i < n-1; i++) {
for (int j = 0; j < n-i-1; j++) {
if (numbers[j] > numbers[j+1]) {
swap(numbers[j], numbers[j+1]);
}
}
}
}
void print() {
for (int i = 0; i < numbers.size(); i++) {
cout << numbers[i] << " ";
}
cout << endl;
}
};.
can you make for me a flow chart for gram negative bacteria( E.pdfsels6
can you make for me a flow chart for gram negative bacteria
( Ecoli,shigella,klebsiella
pnumonia,entrobacter,serratia,salmonella,protus,providentia,morganella,edwerdisella,citrobacter,
yersinia pestis)
( Ecoli,shigella,klebsiella
pnumonia,entrobacter,serratia,salmonella,protus,providentia,morganella,edwerdisella,citrobacter,
yersinia pestis).
Can you help me fill in this table. Thank youThrough checking with.pdfsels6
Can you help me fill in this table. Thank you
Through checking with ISO/IEC 17025: 2017, determine if the below observations pose any
non-conformities, and list out the most appropriate clause and explain your decision in each
observation.
No.
Observation
Nonconformity N.C / no N.C
Relevant
Clause
1
The laboratory did not have any manual/procedure for operating of an electronic balance.
Explanation:
2
The QC laboratory within a factory was found directly supervised by the Marketing Department.
Explanation:
3
Laboratory manager holds meeting regularly with test engineers to ensure the operation of
laboratory running smoothly and effectively.
Explanation:
4
The ISO 6486-1 leachable Pb and Cd test for food containers was conducted in a multi-level
shelf located in an air-conditioned room. Temperature monitoring against a relatively stringent
specification of 22 C 2C was only conducted at one location. No evidence was available to
demonstrate temperature homogeneity in the whole test area.
Explanation:
5
The lab has not obtained consent from its customer to allow HKAS to access relevant
information (e.g: test reports and records) for the purpose of assessment and / or complaint
investigation.
Explanation:
6
The criteria and guidelines for sample preparation were documented in electronic format. The
related files were not properly controlled. (e.g: no access control, or old and new files are both
accessible.)
Explanation:
7
No record and procedure about the acceptance of calibration of some equipment after returning
from the calibration laboratories.
Explanation:
8
During demonstration of sampling of asbestos cement and insulating tile for the presence of
asbestos, the two collected samples were loosely packed and placed together in the same hand
carry container which could lead to cross-contamination.
Explanation:
No.
Observation
Nonconformity N.C / no N.C
Relevant
Clause
1
The laboratory did not have any manual/procedure for operating of an electronic balance.
Explanation:
2
The QC laboratory within a factory was found directly supervised by the Marketing Department.
Explanation:
3
Laboratory manager holds meeting regularly with test engineers to ensure the operation of
laboratory running smoothly and effectively.
Explanation:
4
The ISO 6486-1 leachable Pb and Cd test for food containers was conducted in a multi-level
shelf located in an air-conditioned room. Temperature monitoring against a relatively stringent
specification of 22 C 2C was only conducted at one location. No evidence was available to
demonstrate temperature homogeneity in the whole test area.
Explanation:
5
The lab has not obtained consent from its customer to allow HKAS to access relevant
information (e.g: test reports and records) for the purpose of assessment and / or complaint
investigation.
Explanation:
6
The criteria and guidelines for sample preparation were documented in electronic format. The
related files were not properly controlled. (e.g: no access control, or old an.
can you help me as kotlin 04.5 Random Number Guessing Game Write yo.pdfsels6
can you help me as kotlin 04.5 Random Number Guessing Game Write your code in a file
named guessingGame.kt in your unit04 folder. Turn in the Github link for a grade. Objectives: -
Grasp kotlin syntax and language features - Utilize Kotlin's input/output for user interaction -
Declare and use variables of different data types (e.g., Int) - Comprehend Kotlin's control
structures (e.g., loops, conditional statements) - Implement random number generation in Kotlin
- Write and call functions for a number guessing game - Handle user input and provide
appropriate feedback - Understand basic algorithmic concepts (e.g., conditional branching,
loops) - Develop problem-solving and task breakdown skills - Enhance debugging and testing
capabilities.
Can someone please answer this one Its related to health informatic.pdfsels6
Can someone please answer this one? Its related to health informatics. Envisioning a Global
Community Historically, health has been described as a community affair (National Commission
on Community Health Services 1966), a perspective that still pervades cultures around the world.
The transformation from a local, agrarian culture to a global, information-driven world
characterizes most industries and services (Toefler 1980). For example, the construction and
maintenance of roads in the United States were primarily the responsibility of townships, the
most basic unit of government. Work to build and repair roads was carried out by local citizens
who collaborated to complete the task. Most transportation was provided by horses and within
the boundaries of a township. The next larger unit was the county, which was made up of
townships with a city center called the county seat, which was physically accessible through a
network of county roads maintained by county employees. The county seat was home to the
county public health department, hospital, sheriff, jail, and courthouse. The county was managed
by commissioners charged with collecting taxes and administering elections. Counties were
generally configured such that a person could ride a horse-drawn buggy to the county seat,
conduct business or attend events there, and then return home by nightfall. This township
structure was logical, functional, and effective, based on horses being the primary mode of
transportation. Fast-forward to modern times, when cars and trucks travel nonstop at high speeds
on four- to six-lane interstate highways. The structures of townships and counties were not the
feasible political units to enable this change. In 1956, the US Congress passed the National
Interstate and Defense Highways Act (Public Law 84-627), placing much of the financial burden
and responsibility for design and overall control of highways on the federal government. States
strongly resisted the federal government's involvement,
stalling the construction process. Only when national defense was added as a rationale for the
interstate highway initiative did the project move along. President Dwight Eisenhower had
encountered the design and utility of such roads in Germany during World War II, when the
German government was building the autobahn to support the movement of military units. The
reason for the opposition to the Highways Act was that it took away power and control over
roads from townships, counties, and states, even though transportation technology and use had
evolved beyond the horse and buggy. The same type of resistance to advances in technology and
standards exists today-not only in the United States but throughout the world. The ability and
availability of IT to enable greater global-or even nationalinformation exchange are offset by the
constraints of traditions, politics, economics, business models, and cultural values that were
established and followed in a different era. The basi.
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Feedback from Assignment 1
Introduction: You did not provide a pertinent introduction of your hypothetical company or your company is not a hypothetical company. It is not clear what your product/service is and there is no physical location. The contents of your marketing plan were not introduced.
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Running Head: MARKETING PLAN FOR SILO AUTOMOTIVE FIRM1
MARKETING PLAN FOR SILO AUTOMOTIVE FIRM 13
Marketing Plan for Silo Automotive Firm
July 18, 2019
Silo Automotive
Introduction
Silo Automotive Company is a new, integrated automotive company, which manufactures electric powered vehicles and substantially scalable, clean, power harnessing automotive products. The company’s headquarters are in California together with its main manufacturing plant and was founded in 2014. The company currently has 19 manufacturing plants spread across the United States and Europe. A team of engineers whose main goal was to create an electric powered vehicle that was superior, faster, and more fun to drive in comparison to gasoline cars. The main belief of the company states the sooner the globe ends its dependency on fossil fuels and moves toward a more environmentally friendly option such as carbon fuels future, the better. This is particularly being achieved at a faster rate due to the incorporation of the two automotive segments into a single platform. The main funding sources of Silo Automotive come from the contributions of the founders since they are a combination of chief executive officers of various global engineering companies.
Background Information
The automotive industry has greatly advanced due to the changes in technology, with global sales increasing from 11.78 million annually in 1990 ...
This document brings together a set
of latest data points and publicly
available information relevant for
Travel & Transportation Industry. We
are very excited to share this content
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This document brings together a set
of latest data points and publicly
available information relevant for
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are very excited to share this content
and believe that readers will benefit
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The dump truck business plan outlines strategies for operating a fleet of dump trucks, including market analysis, financial projections, operational procedures, and growth initiatives. It details how the company will generate revenue by providing hauling services for construction, landscaping, and other industries.
can you see the pictures clearly Kriminological Theory Chart.pdfsels6
can you see the pictures clearly ?
Kriminological Theory Chart Due: Sunday by 11.59pm Module: 19 Points: 10 Learning
Objectives: - Identlly key figures associated with learning theorles (MLio i) - Summarlze the
history and development of leaming theories (MLo 2) - Apply the areuments made by leamling
thiorist(s) (MLo 3) - Connect leaming theories to a program or pollig (Mio 4 ) Purpose \&
Description: The purpose of this exercice is three-folde: (1) to help you form a basle
understanding of how theory and socla polldes are connected by focusing on the assumptons and
be completed throughout the semester. In other words you will not complete this chart ill at ence.
instesd, weu will fill in information as we cover each additional theor. Instructions: 1. Revitw the
essumption of human nature. corresponding row under the column tibed, Criminological
Theor\%. 3. Idently the central theorit(s). 4. Summarke when and/or why Differentlal
Reinforcement Theory was developed in one or two sentences. 5. Based on the arguments made
by the author(s) of oilferential Relnforcement theon, explain how efime or devince can be
addressed in one or two sentences. 6. Proide one example of a program or pollicy that is
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Calcule el valor actual de las acciones de Coca Cola usando DDM. Val.pdfsels6
Calcule el valor actual de las acciones de Coca Cola usando DDM. Valor de las acciones =
Dividendo por accin / (tasa de descuento - tasa de crecimiento de dividendos)
el dividendo actual por accin es de $1.50 DPS(t) o TV(t) Valor presente al 9,67% 0 DPS(0) 1.48
1 DPD(1) 1.25 1.14 2 DPD(2) 1.12 0.93 3 DPD(3) 1.07 0.81 4 DPD(4) 1.07 0.74 5 DPD(5) 1.14
0.72 5 Valor terminal 32.80 20.68 Valor intrnseco de las acciones ordinarias de Coca-Cola (por
accin) $25.01 Precio actual de las acciones $42.68.
C++Sortable ObjectsStudy the file Sortable.h. It contains a simp.pdfsels6
C++
Sortable Objects
Study the file Sortable.h. It contains a simple abstract class called Sortable, which will act as a
base class for any object a collection of which can be sorted and printed.
Sortable has two pure virtual methods, compare and print. The compare method tells the object
how to compare itself with another object. It returns true if the object it is being called from is
smaller than the other object, and false otherwise. The print method allows the object to display
itself.
Modify the Data.hclass so that it operates on (pointers to) Sortable objects instead of int objects.
You will first have to change int to Sortable*. You will also have to change your sort() method to
use the compare() method of Sortable, and the print() method to use the Sortable's print()
method. (Remember, you are not making Data inherit from Sortable! We are doing composition
here, not inheritance.)
For this exercise, you are not provided any .cpp files in order to test your code yet. Testing your
code will involve creating a class that extends Sortable and pushes some objects of that class into
your Data object and trying to sort and print them. This is the goal of the next exercise.
Submit your modified Data class.
Sortable.h
#ifndef SORTABLE_H
#define SORTABLE_H
class Sortable {
public:
virtual bool compare( const Sortable* ) = 0;
virtual void print() = 0;
};
#endif
Data.h
#include
#include
using namespace std;
class Data {
private:
vector numbers;
public:
void add(int number) {
numbers.push_back(number);
}
void sort() {
// Using bubble sort algorithm
int n = numbers.size();
for (int i = 0; i < n-1; i++) {
for (int j = 0; j < n-i-1; j++) {
if (numbers[j] > numbers[j+1]) {
swap(numbers[j], numbers[j+1]);
}
}
}
}
void print() {
for (int i = 0; i < numbers.size(); i++) {
cout << numbers[i] << " ";
}
cout << endl;
}
};.
can you make for me a flow chart for gram negative bacteria( E.pdfsels6
can you make for me a flow chart for gram negative bacteria
( Ecoli,shigella,klebsiella
pnumonia,entrobacter,serratia,salmonella,protus,providentia,morganella,edwerdisella,citrobacter,
yersinia pestis)
( Ecoli,shigella,klebsiella
pnumonia,entrobacter,serratia,salmonella,protus,providentia,morganella,edwerdisella,citrobacter,
yersinia pestis).
Can you help me fill in this table. Thank youThrough checking with.pdfsels6
Can you help me fill in this table. Thank you
Through checking with ISO/IEC 17025: 2017, determine if the below observations pose any
non-conformities, and list out the most appropriate clause and explain your decision in each
observation.
No.
Observation
Nonconformity N.C / no N.C
Relevant
Clause
1
The laboratory did not have any manual/procedure for operating of an electronic balance.
Explanation:
2
The QC laboratory within a factory was found directly supervised by the Marketing Department.
Explanation:
3
Laboratory manager holds meeting regularly with test engineers to ensure the operation of
laboratory running smoothly and effectively.
Explanation:
4
The ISO 6486-1 leachable Pb and Cd test for food containers was conducted in a multi-level
shelf located in an air-conditioned room. Temperature monitoring against a relatively stringent
specification of 22 C 2C was only conducted at one location. No evidence was available to
demonstrate temperature homogeneity in the whole test area.
Explanation:
5
The lab has not obtained consent from its customer to allow HKAS to access relevant
information (e.g: test reports and records) for the purpose of assessment and / or complaint
investigation.
Explanation:
6
The criteria and guidelines for sample preparation were documented in electronic format. The
related files were not properly controlled. (e.g: no access control, or old and new files are both
accessible.)
Explanation:
7
No record and procedure about the acceptance of calibration of some equipment after returning
from the calibration laboratories.
Explanation:
8
During demonstration of sampling of asbestos cement and insulating tile for the presence of
asbestos, the two collected samples were loosely packed and placed together in the same hand
carry container which could lead to cross-contamination.
Explanation:
No.
Observation
Nonconformity N.C / no N.C
Relevant
Clause
1
The laboratory did not have any manual/procedure for operating of an electronic balance.
Explanation:
2
The QC laboratory within a factory was found directly supervised by the Marketing Department.
Explanation:
3
Laboratory manager holds meeting regularly with test engineers to ensure the operation of
laboratory running smoothly and effectively.
Explanation:
4
The ISO 6486-1 leachable Pb and Cd test for food containers was conducted in a multi-level
shelf located in an air-conditioned room. Temperature monitoring against a relatively stringent
specification of 22 C 2C was only conducted at one location. No evidence was available to
demonstrate temperature homogeneity in the whole test area.
Explanation:
5
The lab has not obtained consent from its customer to allow HKAS to access relevant
information (e.g: test reports and records) for the purpose of assessment and / or complaint
investigation.
Explanation:
6
The criteria and guidelines for sample preparation were documented in electronic format. The
related files were not properly controlled. (e.g: no access control, or old an.
can you help me as kotlin 04.5 Random Number Guessing Game Write yo.pdfsels6
can you help me as kotlin 04.5 Random Number Guessing Game Write your code in a file
named guessingGame.kt in your unit04 folder. Turn in the Github link for a grade. Objectives: -
Grasp kotlin syntax and language features - Utilize Kotlin's input/output for user interaction -
Declare and use variables of different data types (e.g., Int) - Comprehend Kotlin's control
structures (e.g., loops, conditional statements) - Implement random number generation in Kotlin
- Write and call functions for a number guessing game - Handle user input and provide
appropriate feedback - Understand basic algorithmic concepts (e.g., conditional branching,
loops) - Develop problem-solving and task breakdown skills - Enhance debugging and testing
capabilities.
Can someone please answer this one Its related to health informatic.pdfsels6
Can someone please answer this one? Its related to health informatics. Envisioning a Global
Community Historically, health has been described as a community affair (National Commission
on Community Health Services 1966), a perspective that still pervades cultures around the world.
The transformation from a local, agrarian culture to a global, information-driven world
characterizes most industries and services (Toefler 1980). For example, the construction and
maintenance of roads in the United States were primarily the responsibility of townships, the
most basic unit of government. Work to build and repair roads was carried out by local citizens
who collaborated to complete the task. Most transportation was provided by horses and within
the boundaries of a township. The next larger unit was the county, which was made up of
townships with a city center called the county seat, which was physically accessible through a
network of county roads maintained by county employees. The county seat was home to the
county public health department, hospital, sheriff, jail, and courthouse. The county was managed
by commissioners charged with collecting taxes and administering elections. Counties were
generally configured such that a person could ride a horse-drawn buggy to the county seat,
conduct business or attend events there, and then return home by nightfall. This township
structure was logical, functional, and effective, based on horses being the primary mode of
transportation. Fast-forward to modern times, when cars and trucks travel nonstop at high speeds
on four- to six-lane interstate highways. The structures of townships and counties were not the
feasible political units to enable this change. In 1956, the US Congress passed the National
Interstate and Defense Highways Act (Public Law 84-627), placing much of the financial burden
and responsibility for design and overall control of highways on the federal government. States
strongly resisted the federal government's involvement,
stalling the construction process. Only when national defense was added as a rationale for the
interstate highway initiative did the project move along. President Dwight Eisenhower had
encountered the design and utility of such roads in Germany during World War II, when the
German government was building the autobahn to support the movement of military units. The
reason for the opposition to the Highways Act was that it took away power and control over
roads from townships, counties, and states, even though transportation technology and use had
evolved beyond the horse and buggy. The same type of resistance to advances in technology and
standards exists today-not only in the United States but throughout the world. The ability and
availability of IT to enable greater global-or even nationalinformation exchange are offset by the
constraints of traditions, politics, economics, business models, and cultural values that were
established and followed in a different era. The basi.
Calculate:
Current Ratio
Quick Ratio
Accounts Receivable Turnover
Days' Sales in receivables
Inventory Turnover
Days' sales in inventory
Ratio of Fixed Assets to Long-Term Liabilities
Ratio of Liabilities to Stockholders' Equity
Asset Turnover
Return on Total Assets
Return on Stockholders' Equity Eiscal Year Ended Net revenues:
Eiscal Year Ended Net earnings including noncontrolling interests Other comprehensive
income/(loss), net of tax:
Current assets: LIABILITIES AND SHAREHOLDERS' EQUITY/(DEFICIT) Shareholders'
deficit: Common stock ( $0.001 par value) authorized, 2,400.0 shares; issued and outstanding,
1,147.9 and 1,180.0 shares, respectively
Fiscal Year Ended OPERATING ACTIVITIES: Net earnings including noncontrolling interests
Adjustments to reconcile net earnings to net cash provided by operating activities: CASH AND
CASH EQUIVALENTS: Beginning of period End of period SUPPLEMENTAL DISCLOSURE
OF CASH FLOW INFORMATION: Cash paid during the period for: Interest, net of capitalized
interest Income taxes.
Complete the method count which should be a wrapper method that call.pdfsels6
Complete the method count which should be a wrapper method that calls a nested recursive
function that visits all the nodes in the tree. class BinaryTree:
def count(self, item: any) int:.
calculate calculate calculate calculate 1. The jo.pdfsels6
calculate
calculate
calculate
calculate 1. The joint probability mass function (pmf) of X(x=10,11,12) and Y(y=5,6) is given
by a. Find the marginal pmf for X and Y; that is find fX(x) and f(y). (You can just write them in
the table.) b. Are X and Y independent? Support your answer. c. (4 points) Compute P(XY60)..
Compare la bomba de sodiopotasio con la prote�na en forma de barril.pdfsels6
Compare la bomba de sodio/potasio con la protena en forma de barril (LDL) que transporta el
colesterol a travs del torrente sanguneo. La bomba est _________ por dentro; LDL es ________
en el exterior. A. hidroflico, hidroflico B. hidrofbico, hidroflico C. hidroflico, hidrofbico D.
hidrofbico, hidrofbico.
Companies U and L are identical in every respect except that U is un.pdfsels6
Companies U and L are identical in every respect except that U is unlevered while L has $10
million of 5% bonds outstanding. Assume: (1) All of the MM assumptions are met. (2) Both
firms are subject to a 25% federal-plus-state corporate tax rate. (3) EBIT is $2 million. (4) The
unlevered cost of equity is 10%. a. What value would MM now estimate for each firm? (Hint:
Use Proposition I.) b. What is rs for Firm U? For Firm L? c. Find SL, and then show that SL + D
= VL results in the same value as obtained in part a. d. What is the WACC for Firm U? For Firm
L?.
Cadena de valor y clasificaci�n de costes, empresa inform�tica. Dell.pdfsels6
Cadena de valor y clasificacin de costes, empresa informtica. Dell Computer incurre en los
siguientes costos:
a. Costos de servicios pblicos para la planta que ensambla la lnea de productos de computadoras
Latitude
b. Costos de distribucin para enviar la lnea de productos Latitude a una cadena minorista
C. Pago a David Newbury Designs por el diseo de la computadora porttil XPS 2 en 1
d. Salario de un informtico que trabaja en la prxima generacin de servidores
mi. Costo de la visita de los empleados de Dell a un cliente importante para demostrar la
capacidad de Dell para interconectarse con otras computadoras
F. Compra de productos de la competencia para probarlos frente a posibles productos de Dell
gramo. Pago a una revista de negocios por publicar anuncios de Dell
H. Costo de los cartuchos comprados a un proveedor externo para usar con las impresoras Dell
Requerido:
Clasifique cada uno de los elementos de costo (ah) en una de las funciones comerciales de la
cadena de valor.
Comment about this post.Motivators to help employees at the workpl.pdfsels6
Comment about this post.
Motivators to help employees at the workplace come in many different forms. Ranging from
personal acknowledgement/recognition, financial compensation, PTO opportunities, and/or
career advancement; all in which is beneficial to the employee(s) who are doing so.
The type of qualities that employees may look for in a leader, the first thing that comes to mind
is to be communicative. Hands down, being able to talk to you immediate Supervisor or Leader
goes a long way when it comes to being a productive leader. Support potential ideas coming
from the employees, understanding of their situations when they arrive, compassion their
individual performances, as well as be an outlet for knowledge in advancement not only with the
job but in life as well. Bad Leaders can have a core of characteristics that can be very detrimental
to the process of the overall job when it comes to the employees as well. Self-centered, non-
communicative, lacking understanding of the situations or predicaments that may arise in the
employee's life.
Good Managers, including the employees in the process of success, listen and incorporate ideas
that can have a huge impact on the overall mission accomplishment process of the company.
Voicing the goals and intent of the mission that the company is trying to achieve. Refocusing the
direction of the employees when things seem to be falling apart are all good qualities of the good
Manager. Bad Managers are just the exact opposite, with a little bit more sauce as well, only
focusing on themselves being the reason for success, one-way communication lanes,
empowering himself through daily activities at work introducing negative work environments.
With either a Leader or Manager, choosing the right approach could be key to your success nd
the success of the company. Initiative, just the mere fact to just do the right thing at the
workplace when no one is looking is a huge benefit, not only for the employees but for the entire
Company as well. There are too many occasions where just doing the right thing just pays off in
the long run. Mindset plays a huge part as well, coming to work is a daunting task already but at
least having the right mindset when on the clock just adds to the overall atmosphere within the
workplace. Daft defines mindset as, a collection of beliefs, thoughts, mental attitudes,
assumptions, and dispositions that determined a persons interpretations and responses to outside
events and situations..
Comment about this post.Some of the best motivators for employee.pdfsels6
Comment about this post.
Some of the best motivators for employees are providing employee with rewards for their
performance, employee recognition, company being inclusive, and great working environment
Some benefits that attract, motivate, and retain employees are health benefits, pay rate, flexible
schedule, the ability to work from home, tuition reimbursement, paid time off and vacation days.
I believe that the list above would motivate, attract, and retain employees to work in any job
despite the job that being their career path.
The qualities that a good leader has from an employees perspective are their trust worthy, they
have open communication with their employees, leaders ensure their employees are growing in
their profession by providing professional development courses, they set an example for their
employees to follow, leaders give constructive feedback to their employees based on their
performance, leaders are open to receive constructive feedback from their employees, their open
to change, and they set achievable goals for themselves and their employees. Some qualities of a
bad leader are theyre not open to receive constructive feedback, their do not have a vision or
ambition for their employees, theyre not great at communicating, and they micromanage their
employees.
The kind of qualities that a good manager has from an employee perspective is their able to show
empathy to their employee, they set goals and expectation that everyone is able to understand,
they have great communication skills, they keep up to date with the change in society, they
provide inspiration to their employees, and they align organizational purpose with team goals.
The qualities of a bad manager are they micromanager, they prevent their employees from
growing by not allowing their employees to tackle difficult situation, they do not make their goal
clear to their employees, they depend on their ego to lead them, and they show favoritism within
the workplace. The qualities of a good manager will always outweigh the quality of bad
manager. Employees prefer a good manager over a bad manager because it provides employees
the ability to work in a peaceful environment..
Co-evolutionary troubles at the Renault Nissan alliance Widely hai.pdfsels6
Co-evolutionary troubles at the Renault Nissan alliance
Widely hailed as one of the great successes in the automo[1]tive industry, the Renault Nissan
alliance sold more vehicles worldwide than any other car maker in the first six months of 2018,
with an estimated 5.5 million sales. This is a far cry from the alliances origins in 1999 when the
auto industry was in a period of rapid consolidation and both Nissan and Renault were
struggling. Renault was just recovering from a failed merger with Volvo, and a new CEO, Carlos
Ghosn, had been appointed to streamline the company. He was highly e
ective in doing so, earning him the nickname le cost killer, but Renault lacked access to the fast-
growing Asian market. Nissan on the other hand was in financial trouble, with $20bn in debt and
limited exposure to the European market. The aim of the alliance was for both companies to
main[1]tain their own brand identities and running of their own businesses, while achieving
substantial cost savings in sharing engineering, purchasing, research and production. For
instance, both com panies now share common platforms for cars that allow them to use similar
components for production (see figure) just four car platforms account for 75 per cent of all
group production. When the Alliance started, Renault invested in Nissan to prevent its collapse
and acquired 43 per cent of voting shares. Ghosn then carried out sweeping changes at Nissan
over four years, firing over 20,000 people, closing five production plants, changing the corporate
culture to a performance-based one, raising margins to an unheard of 9 per cent, and reducing
supplier power that was harming profitability. Ghosns aim has been to focus on profitability and
strengthening collaboration. However despite deepening this very successful alli[1]ance, Ghosn
was arrested in November 2018 over alleged under-reporting of his earnings and misusing
company assets, and is in a Tokyo jail. The Nissan board fired him shortly thereafter. This has
exposed fractures in the Renault Nissan alliance, raising concerns about its future. The voting
structure and shareholdings of the Alliance are shown in the figure. Nissan has a 15 per cent
stake in Renault but no voting rights due to French laws preventing reciprocal control. The
French government has increased its stake in Renault to 15 per cent and this has doubled their
votes, due to European rules. However, Renault shares have fallen in 11.4 Strategic alliances 353
evolution. The amount of committed resources changes at each stage, but issues of trust and co-
evolution recur throughout: Courtship. First there is the initial process of courting potential
partners, where the main resource commitment is managerial time. This courtship process should
not be rushed, as the willingness of both partners is required. Similar criteria apply to alliances at
this stage as to acquisitions. Each partner has to see a strategic fit, according to the rationales in
Section 11.3.2. Equ.
Clasifique los siguientes rasgos como espec�ficos de c�lulas o virus.pdfsels6
Clasifique los siguientes rasgos como especficos de clulas o virus, o compartidos por ambos.
nico para las clulas:
Compartido por celdas:
y virus Exclusivo de los virus:
Banco de respuestas:
puede responder activamente a los estmulos ambientales
contienen material gentico protegido por una capa de protena
puede llevar a cabo procesos biolgicos de forma autnoma
contienen material gentico capaz de sufrir una evolucin por seleccin natural
contienen orgnulos que estn unidos por membranas.
C2-1 (State of California�Fund Identification) The following list in.pdfsels6
C2-1 (State of CaliforniaFund Identification) The following list includes 13 funds of the state of
California. Based on the description from the states Comprehensive Annual Financial Report,
indicate which type of fund each one is and why it is that fund.
The Cigarette and Tobacco Tax Fund accounts for a surtax on cigarette and tobacco products that
is used for various health programs.
The Technology Services Revolving Fund accounts for charges for technology services
performed for various state, federal, and local entities by the California Technology Agency.
The Economic Recovery Bond Sinking Fund accounts for General Fund transfers, proceeds from
sale of surplus property, and the 0.25% sales and use tax revenue collected for the payment of
principal, interest, and other related costs of the Economic Recovery Bonds.
The Electric Power Fund accounts for the acquisition and resale of electric power to retail end-
use customers.
The Higher Education Construction Fund accounts for bond proceeds used to construct facilities
for state colleges and universities.
The Environmental and Natural Resources Fund accounts for fees, bond proceeds, and other
revenues that are restricted for maintaining the states natural resources and improving the
environmental quality of its land, air, and water.
The Hospital Construction Fund accounts for bond proceeds that are used to construct hospitals.
The Prison Industries Fund accounts for charges for goods produced by inmates in state prisons
that are sold to state departments and other governmental entities.
The Receipting and Disbursing Fund accounts for the collection and disbursement of revenues
and receipts on behalf of local governments. This fund also accounts for receipts from numerous
state funds, typically for the purpose of writing a single warrant when the warrant is funded by
multiple funding sources.
The Service Revolving Fund accounts for charges for printing and procurement services
rendered by the Department of General Services for state departments and other public entities.
The State Lottery Fund accounts for the sale of California State Lottery tickets and the Lotterys
payments for education.
The State Teachers Retirement Fund accounts for the employee, employer, and primary
government contributions of the cost-sharing multiple-employer retirement plan that provides
pension benefits to teachers and certain other employees of the California public school system.
The Water Resources Fund accounts for charges to local water districts and the sale of excess
power to public utilities.
(Based on a recent Comprehensive Annual Financial Report of the State of California.).
Clara est� demandando a David por una disputa de propiedad. Clara y .pdfsels6
Clara est demandando a David por una disputa de propiedad. Clara y David son de diferentes
estados, por lo que no est claro qu estado tiene jurisdiccin sobre este caso. Cual de los siguientes
es verdadero?
La jurisdiccin recae en el estado de residencia de Clara, ya que ella es la demandante.
La jurisdiccin puede recaer en cualquier estado que tenga jurisdiccin sobre la materia o personal,
probablemente dependiendo del estado que Clara sienta que le dar un resultado ms favorable
para su caso.
La jurisdiccin depende nicamente de dnde se encuentra la propiedad, el foco de la disputa.
La jurisdiccin recae en el estado de residencia de David, ya que es l quien est siendo citado a
juicio.
Marcar pregunta para ms tarde Adelyn tiene una disputa financiera con su acreedor. Ella quiere
declararse en bancarrota porque no puede cumplir con los requisitos para pagar su deuda. Qu
tribunal es ms probable que se ocupe de esta situacin?
Tribunal Fiscal de EE. UU.
Tribunal de Quiebras de EE. UU.
Tribunal Estatal de Reclamos Menores
Marcar pregunta para ms tarde Un productor/director de televisin recibe el siguiente guin
diseado para celebrar el Da Nacional de la Dona. Mientras lo lee, le trae a la mente algunos
principios de jurisprudencia que aprendi en su clase de derecho comercial en la universidad.
Aydala: Qu escuela de pensamiento legal se ilustra en este dilogo? DA DE DONUT EN LA
OFICINA Parte 1 (La escena es un comedor o sala de descanso. Hay al menos tres mesas
redondas visibles y tal vez una mquina expendedora, un microondas o un refrigerador en el
fondo. De las tres mesas, nadie est sentado en el mesa central cuando comienza la escena.)
Karen: (Ella entra con dos cajas grandes de donas y las coloca en la mesa central.) Allied
Chemical acaba de dejarlas para agradecernos por nuestro trabajo en el proyecto "Expressly
Hair". Divertirse. (Ella no est entusiasmada. No muestra absolutamente ningn inters en las donas
y se va rpidamente. Todos los dems, excepto Alison, se ponen de pie de inmediato. Alison
todava muestra inters en las golosinas pero no se mueve hacia ellas. Joyce inmediatamente se
coloca entre las donas y Bob. .) Bob: Es un festival de donas! Joyce: (Ella se mueve para
bloquearlo y frenarlo, como si lo estuviera controlando en el baloncesto.) Solo espera un
segundo! Primero tenemos que establecer las reglas. Bob: Reglas, en un festival de donas? Joyce:
S, reglas. La ltima vez que trajeron donas como estas, Winfred se rompi la nariz y, una vez ms,
Alison no recibi ninguna. No somos animales. Si no disminuimos la velocidad, alguien volver a
comerse el cartn sin querer. Bob: Oh, no. Aqu vamos. Dnde est el PowerPoint? Joyce: Hay
pautas en el manual del empleado que se han desarrollado durante muchos aos que detallan
exactamente qu se debe hacer con este tipo de obsequios para empleados. (Abre una carpeta
gruesa). Casi cualquier escenario que pueda imaginar se ha detallado en la seccin 34 (b),
incluidos los pasteles de las empresas qumicas. Se ha.
Childhood participation in sports, cultural groups, and youth groups.pdfsels6
Childhood participation in sports, cultural groups, and youth groups appears to be related to
improved self-esteem for adolescents (McGee, Williams, Howden-Chapman, Martin, &
Kawachi, 2006). In a representative study, a sample of n = 100 adolescents with a history of
group participation is given a stan- dardized self-esteem questionnaire. For the general
population of adolescents, scores on this questionnaire form a normal distribution with a mean of
= 50 and a standard deviation of = 15. The sample group participation adolescents had an
average of M = 53.8..
A Strategic Approach: GenAI in EducationPeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Instructions for Submissions thorugh G- Classroom.pptxJheel Barad
This presentation provides a briefing on how to upload submissions and documents in Google Classroom. It was prepared as part of an orientation for new Sainik School in-service teacher trainees. As a training officer, my goal is to ensure that you are comfortable and proficient with this essential tool for managing assignments and fostering student engagement.
Model Attribute Check Company Auto PropertyCeline George
In Odoo, the multi-company feature allows you to manage multiple companies within a single Odoo database instance. Each company can have its own configurations while still sharing common resources such as products, customers, and suppliers.
Synthetic Fiber Construction in lab .pptxPavel ( NSTU)
Synthetic fiber production is a fascinating and complex field that blends chemistry, engineering, and environmental science. By understanding these aspects, students can gain a comprehensive view of synthetic fiber production, its impact on society and the environment, and the potential for future innovations. Synthetic fibers play a crucial role in modern society, impacting various aspects of daily life, industry, and the environment. ynthetic fibers are integral to modern life, offering a range of benefits from cost-effectiveness and versatility to innovative applications and performance characteristics. While they pose environmental challenges, ongoing research and development aim to create more sustainable and eco-friendly alternatives. Understanding the importance of synthetic fibers helps in appreciating their role in the economy, industry, and daily life, while also emphasizing the need for sustainable practices and innovation.
June 3, 2024 Anti-Semitism Letter Sent to MIT President Kornbluth and MIT Cor...Levi Shapiro
Letter from the Congress of the United States regarding Anti-Semitism sent June 3rd to MIT President Sally Kornbluth, MIT Corp Chair, Mark Gorenberg
Dear Dr. Kornbluth and Mr. Gorenberg,
The US House of Representatives is deeply concerned by ongoing and pervasive acts of antisemitic
harassment and intimidation at the Massachusetts Institute of Technology (MIT). Failing to act decisively to ensure a safe learning environment for all students would be a grave dereliction of your responsibilities as President of MIT and Chair of the MIT Corporation.
This Congress will not stand idly by and allow an environment hostile to Jewish students to persist. The House believes that your institution is in violation of Title VI of the Civil Rights Act, and the inability or
unwillingness to rectify this violation through action requires accountability.
Postsecondary education is a unique opportunity for students to learn and have their ideas and beliefs challenged. However, universities receiving hundreds of millions of federal funds annually have denied
students that opportunity and have been hijacked to become venues for the promotion of terrorism, antisemitic harassment and intimidation, unlawful encampments, and in some cases, assaults and riots.
The House of Representatives will not countenance the use of federal funds to indoctrinate students into hateful, antisemitic, anti-American supporters of terrorism. Investigations into campus antisemitism by the Committee on Education and the Workforce and the Committee on Ways and Means have been expanded into a Congress-wide probe across all relevant jurisdictions to address this national crisis. The undersigned Committees will conduct oversight into the use of federal funds at MIT and its learning environment under authorities granted to each Committee.
• The Committee on Education and the Workforce has been investigating your institution since December 7, 2023. The Committee has broad jurisdiction over postsecondary education, including its compliance with Title VI of the Civil Rights Act, campus safety concerns over disruptions to the learning environment, and the awarding of federal student aid under the Higher Education Act.
• The Committee on Oversight and Accountability is investigating the sources of funding and other support flowing to groups espousing pro-Hamas propaganda and engaged in antisemitic harassment and intimidation of students. The Committee on Oversight and Accountability is the principal oversight committee of the US House of Representatives and has broad authority to investigate “any matter” at “any time” under House Rule X.
• The Committee on Ways and Means has been investigating several universities since November 15, 2023, when the Committee held a hearing entitled From Ivory Towers to Dark Corners: Investigating the Nexus Between Antisemitism, Tax-Exempt Universities, and Terror Financing. The Committee followed the hearing with letters to those institutions on January 10, 202
Embracing GenAI - A Strategic ImperativePeter Windle
Artificial Intelligence (AI) technologies such as Generative AI, Image Generators and Large Language Models have had a dramatic impact on teaching, learning and assessment over the past 18 months. The most immediate threat AI posed was to Academic Integrity with Higher Education Institutes (HEIs) focusing their efforts on combating the use of GenAI in assessment. Guidelines were developed for staff and students, policies put in place too. Innovative educators have forged paths in the use of Generative AI for teaching, learning and assessments leading to pockets of transformation springing up across HEIs, often with little or no top-down guidance, support or direction.
This Gasta posits a strategic approach to integrating AI into HEIs to prepare staff, students and the curriculum for an evolving world and workplace. We will highlight the advantages of working with these technologies beyond the realm of teaching, learning and assessment by considering prompt engineering skills, industry impact, curriculum changes, and the need for staff upskilling. In contrast, not engaging strategically with Generative AI poses risks, including falling behind peers, missed opportunities and failing to ensure our graduates remain employable. The rapid evolution of AI technologies necessitates a proactive and strategic approach if we are to remain relevant.
Palestine last event orientationfvgnh .pptxRaedMohamed3
An EFL lesson about the current events in Palestine. It is intended to be for intermediate students who wish to increase their listening skills through a short lesson in power point.
Biological screening of herbal drugs: Introduction and Need for
Phyto-Pharmacological Screening, New Strategies for evaluating
Natural Products, In vitro evaluation techniques for Antioxidants, Antimicrobial and Anticancer drugs. In vivo evaluation techniques
for Anti-inflammatory, Antiulcer, Anticancer, Wound healing, Antidiabetic, Hepatoprotective, Cardio protective, Diuretics and
Antifertility, Toxicity studies as per OECD guidelines
Unit 8 - Information and Communication Technology (Paper I).pdfThiyagu K
This slides describes the basic concepts of ICT, basics of Email, Emerging Technology and Digital Initiatives in Education. This presentations aligns with the UGC Paper I syllabus.
Home assignment II on Spectroscopy 2024 Answers.pdf
Can you please help me write a memo and executive summaryCASE 1.pdf
1. Can you please help me write a memo and executive summary?
CASE 1.1 MIDI CAPITAL CANADA, COMMERCIAL
TRANSPORTATION FINANCING DIVISION
It was early morning on April 15 2016, when Steve Brant, assistant account manager for the
Commercial Transportation Financing Division of Midi Capital Canada in Toronto, Ontario,
Canada, finished reading the morning copy of The Financial Post and began reviewing a loan
request for $270,000 submitted by an existing client Simon Carriers Ltd. Simon Carriers, a
trucking company, requested the $270,000 loan to purchase two new 2016 Freightliner transport
trucks, four new 53-foot trailers and four new mobile satellite systems that would be used to
track the location of the transport trucks. Brant had to make a decision on the loan request and
forward a report to the senior account manager for approval that afternoon.
MIDI CAPITAL
Midi Capital comprised of 27 diversified businesses, including operations in North America,
Latin America, Europe and the Asia-Pacific region, its head office was located in Stanford
Connecticut. Midi Diversified, Midi Capitals parent company was a publicly traded corporation
with net earnings of over US$15 billion. Midi Capital was a major competitor in every industry it
competed in, achieving record net earnings of US$3.6 billion in 2015. It expected each of its
divisions to generate a 20% after tax-profit, and if a division fell below the goal of 20 per cent,
they would have to justify why profit targets had not been met.
COMMERCIAL TRANSPORTATION FINANCING
Commercial Transportation Financing (CTF) was one of Midi Capitals 27 divisions. The
majority of CTFs business was loaning money to medium and large-sized transportation and
construction companies. Loans from $30,000 to $1 million were provided to purchase assets
such as transport trucks, trailers, paving equipment and heavy machinery.
CTF was under tremendous pressure to generate profits. The selling strategy at CTF was Find,
Win, Keep Find new business, Win new business and Keep new and existing clients. As of April
1, 2016, less than one percent of CTFs portfolio of over 2,000 accounts had been lost to bad debt.
2. Account managers for the Southern Ontario Region were expected to generate $14 million in
new loans each year, without exposing Midi Capital to unreasonable levels of risk.
Several requirements had to be met before CTF would approve a loan. First, CTF did not deal
with any company that had been in business for less than three years. Second, the company
applying for the loan had to generate enough cash flow to cover the monthly interest payments
on the new loan. Third, the companys debt to equity ratio could be greater than 4:1 when
including the new loan. Fourth, CTF would not finance more than 90 per cent of the value of the
value of any asset, thereby requiring the company to have enough cash to pay for at least 10 per
cent of the assets it wanted to purchase. Lastly, CTF considered the character of the business
owners, general economic conditions, and any company assets that could be pledged as collateral
as additional factors in the loan request.
THE TRANSPORTATION INDUSTRY IN SOUTHERN ONTARIO
The trucking industry had been very profitable from 1985 to 1988 until a major recession in
1989. During the recession, there was less manufacturing, resulting in fewer goods being shipped
by trucking companies. Many trucking companies went bankrupt and those that survived the
recession had to lower prices to stay competitive. The industry recovered during a manufacturing
boom in the mid 1990s and the amount of freight shipped between Windsor and Toronto was at
its highest level ever; however the transportation industry in Southern Ontario was very
competitive with thousands of trucking companies competing for business. By the mid 2000s
the transportation industry had experienced strong growth, but prices and profits remained low
with trucking companies typically generating after tax net incomes of less than 8 per cent of
revenues.
With prices low, trucking companies relied on higher volumes of business to generate profits.
One way to increase sales volume was to purchase more trucks and trailers and hire additional
drivers. For every truck and trailer, a trucking company would typically generate $150,000 to
$200,000 in annual sales. However the high cost of purchasing new trucks and equipment
required large loans to finance the purchase new assets. Because so many trucking companies
borrowed money to expand, it was important to maximize the amount of time a truck was on the
road to generating sales, to cover not only operating expenses but also to cover the loan
payments.
NEW LEGISLATION
3. It was mandatory that all vehicles (trucks and trailers) used by the trucking companies meet the
safety standards set by the Ministry of Transportation of Ontario (MTO). These standards were
enforced on major highways at weight scale stations where all trucks were required to stop for
inspections. Effective February 02, 1998 new legislation gave the MTO the right to impound any
vehicle (truck or trailer) deemed to have a major defect.[1]
If a critical defect was found during an inspection, the MTO impounded the vehicle for 15 days
and the vehicle could not be operated until the equipment had been repaired to meet safety
standards. If the same or additional critical defects were found during any subsequent inspection,
the MTO impounded the vehicle for 30 days. In addition to impounding the vehicles the MTO
also charged fines ranging from $2,000 to $20,000 for equipment that did not pass inspection.
Despite the risk of impoundment, thousands of trucks have failed safety inspections annually and
the MTO has impounded thousands of trucks from the inception of the program until October,
2015.
SIMON CARRIERS LTD.
Background
William Simon and his wife Mary founded Simon Carriers Ltd. (SCL) in Waterloo Ontario, in
the late 1980s. The company began as a one-truck operation hauling freight for a larger trucking
company that contracted work to independent truck drivers. William was the driver and
mechanic while Mary managed the accounting records. The Simons survived the economic
recession of the early 1990s and continued to operate their business as a one-truck operation until
late 2013 when they began searching for exclusive hauling contracts.
In March of 2014 SCL signed an exclusive two year contract with a small auto parts
manufacturer that supplied the Ford Motor Co. assembly plant in Oakville, Ontario. Ford
required its suppliers to make deliveries according to just-in-time inventory schedules, which
meant that SCL, would haul multiple trailer loads several days a week.
To accommodate the new contract SCL borrowed $336,000 from Nippissing Credit on April 01,
2014 to finance the purchase of three new transport trucks and three new trailers. The company
also hired three new drivers to drive the new trucks. As of December 31, 2014, SCL still owed
$189,000 on the loan from Nippissing Credit. SCL paid $7,000 on this loan each month.
4. The trucking volume generated by the contract continued to increase. In October 2014, SCL
sought financing to purchase two new trailers. A loan for $38,400 was arranged through Midi
Capital on October 01, 2014, the current balance still owing on the Midi Capital loan was
$36,000. CSL paid $800 on this loan each month. The trucking companys financial statements,
ratios and sources and uses of cash are shown in Exhibits 1 through 4.
THE NEW CONTRACT
In March 2016, the auto parts manufacturer signed a new supplier contract effective May 01,
2016, with Ford. The new contract reflected a 60 per cent increase in trucking volume. SCLs
two-year contract with the auto parts manufacturer expired on March 31, 2016, and had not been
renewed. In an effort to reduce its own costs, and because the trucking volume would increase by
60 per cent, the auto parts manufacturer was allowing several trucking companies (including
SCL) to bid for the new trucking contract. If SCL hoped to win the new trucking contract, it
would need to expand its fleet to accommodate the higher trucking volume and to outbid
competing trucking companies.
PROJECTED REQUIREMENTS FOR THE NEW CONTRACT
To expand its fleet, SCL required approximately $300,000. Since SCL was required to pay at
least 10 per cent of the cost in cash ($30,000), it requested a $270,000 loan to purchase two new
2016 freightliner transport trucks, four new 53 foot trailers and four new mobile satellite
systems. In projecting its income statements for 2016, SCL estimated revenues to be 30 per cent
to 60 per cent higher than 2015. Salaries and wages were expected to increase by $60,000 to hire
two new drivers and general and administration expenses were expected to increase by $13,000
due to the larger fleet. Additionally, bank charges and interest on the new loan would be
$17,300. Depreciation on the new assets would be $30.000. Legal and accounting fees and rent
and utilities were expected to remain unchanged from 2015 amounts. The operating expenses for
2016 were expected to remain at the same proportion of sales as they had been in 2015. No other
purchases of new assets were expected for 2015. The companys income tax rate was
approximately 45 per cent.
In projecting its balance sheets, SCL estimated the value of the new loans to be $270,000 less the
monthly payments made between May 2016 and December, 2016[2]. SCL anticipated no
changes to the age of receivables or the age of the payables. The company also had a line of
5. credit of up to $50,000 that it had never used. It planned to use $30,000 from this line of credit to
make the cash payment required by Midi Capital (10 per cent of the new assets). The Simons had
used $50,000 in personal assets to secure the bank line of credit. None of the assets on SCLs
current balance sheet were pledged as collateral. The main question for Brant was whether SCL
would show a cash surplus on its projected balance sheet. A cash surplus would indicate that
SCL would be capable of making the required loan payments, whereas a deficit would indicate
that SCL would be incapable of paying back the loan.
Since profits remained low across the industry, the Simons believed that continued growth would
ensure their profitability. If SCL lost this contract, the Simons knew it would be difficult to find
enough work to keep their fleet working at 100 per cent capacity William and Mary had worked
hard to grow their business and had never been late with a loan payment, despite having trailers
impounded on two occasions. Mary commented:| We have been through good times and bad and
weve expanded before. I feel that this is the right thing to do. We cant afford to stay small.
BRANTS DECISION
The new loan would bring the total of SCLs with Midi Capital to $306,000. Brants report would
have to be reviewed by his senior manager since the total loan amount exceeded his account
managers credit limit of $200,000. Brant had been with the company for eight months and it was
important he made a well thought-out that followed CTFs minimum lending requirements. His
report was due in a few hours.