Unsecured loans are based on the borrower's creditworthiness and financial stability.
Unsecured loans are loans that are not backed by collateral, such as a house or car. Because the lender does not have any collateral to seize if the borrower defaults on the loan, they must rely on the borrower's creditworthiness and financial stability to determine whether to approve the loan and what terms to offer.
To assess a borrower's creditworthiness and financial stability, the lender may consider factors such as the borrower's credit score, income, employment history, and debts. They may also review the borrower's credit report, which provides detailed information about their credit history and financial behavior. Based on this information, the lender will decide whether to approve the loan and, if so, what terms to offer. This may include the interest rate, loan amount, and repayment period.
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what is a stock exchange listing?
Answer:
In corporate finance, a listing refers to the company's shares being on the list or bored of stock that are officially traded on a stock
Explanation:
Dwight Donovan, the president of Fanning Enterprises, is considering two investment opportunities. Because of limited resources, he will be able to invest in only one of them. Project A is to purchase a machine that will enable factory automation; the machine is expected to have a useful life of four years and no salvage value. Project B supports a training program that will improve the skills of employees operating the current equipment. Initial cash expenditures for Project A are $108,000 and for Project B are $48,000. The annual expected cash inflows are $51,270 for Project A and $20,675 for Project B. Both investments are expected to provide cash flow benefits for the next three years. Fanning Enterprises’ desired rate of return is 6 percent. (PV of $1 and PVA of $1) Use appropriate factor(s) from the tables provided.)
A. Compute the net present value of each project. Which project should be adopted based on the net present value approach?
B. Compute the approx. internal rate of return of each project. Which one should be adopted based on the internal rate of return approach?
The net present value of Project A is $29,045.32, and net present value of project B is $22,264.52. The project that should be adopted based on the net present value is project A.
What is net present value?Net present value is the present value of after-tax cash flows from an investment less the amount invested.
a. The net present value of Project A:
= Present value of cash inflows - Initial expenditure
= (51,270 x present value interest factor, 6%, 3 years) - 108,000
= 51,270 x 2.673012 - 108,000
= $29,045.32
The net present value of Project B:
= 20,675 × 2.673012 - 33,000
= $22,264.52
b. Calculation of Internal Rate of Return:-
The IRR has been calculated using the financial calculator.
The IRR of Project A is 16% and that of Project B is 14%.
IRR of project A is more than Project B, which means Project A's return is more than project B. As per IRR Approach Project A is better than Project B.
Therefore, as per IRR and net present value approach Project A should be selected.
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If someone is found to be participating
in Insider Trading, the result could be
A. a promotion
B. award-winning
C. jail time
Answer:
jail time will be a perfect answer for your question.
What is usually the best way to display date if you have more than 10 results? a. bar graph, b. pie chart, c. line graph, d. none of the above
The best way to display data if you have more than 10 results is usually a bar graph (a).
A bar graph is a chart that uses horizontal or vertical bars to show comparisons among categories. It is a useful tool for visualizing data and comparing values across different categories.
For example, if you have data on the number of people who prefer different types of music, you could use a bar graph to show the relative popularity of each type of music. The bars in the graph would represent the number of people who prefer each type of music, and the height of the bars would correspond to the number of people.
Bar graphs are effective for displaying data when you have more than 10 results because they allow you to easily compare the values of different categories at a glance. They are also easy to read and understand, making them a popular choice for presenting data.
Option b, pie chart, is not usually the best way to display data if you have more than 10 results because pie charts can become cluttered and difficult to read when there are too many slices.
Option c, line graph, is not usually the best choice for displaying data with more than 10 results because line graphs are better suited for showing trends over time rather than comparing values across different categories.
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A group of students is studying for an economics quiz about economic cycles and how the government manages in an economy. In a market economy, strategies that change spending or taxes in order to influence economic conditions are known as:
O fiscal policy.
O equity promotion.
O monetary policy.
O economic stimulus.
Answer:
A market economy is an economic system in which the production and distribution of goods and services are determined by the forces of supply and demand. In a market economy, the government can use various strategies to influence economic conditions, including fiscal policy and monetary policy.
Fiscal policy refers to the government's use of spending and taxation to influence the level of economic activity and manage the economy. This can include measures such as increasing government spending, reducing taxes, or a combination of both.
Monetary policy refers to the actions taken by a central bank, such as the Federal Reserve in the United States, to manage the supply and demand of money and credit in the economy. This can include measures such as adjusting interest rates or the amount of money in circulation.
The options "equity promotion" and "economic stimulus" are not typically used to describe government strategies to influence economic conditions in a market economy.
Answer:
A fiscal policy.
Explanation:
Fiscal policy deals with the government's taxation and spending policies and is the principal tool used by the government to influence aggregate demand and achieve macroeconomic policy objectives such as high employment, price stability, and economic growth.
Which of the following best describes a way to use your website to improve the guest experience?
A personal call to the room after check-in to welcome guests
Easy-to-navigate menus with clear shortcuts for booking
Opportunities to accumulate user-generated content
Use of digital key cards for contactless check-in and room entry
The most effective strategy to use your website to enhance the visitor experience is to provide opportunities for user-generated material to gather. As a result, choice (C) is appropriate.
What is meant by guest experience?The interactions you have with your visitors from the time they arrive until they check out are referred to as the guest experience. This phrase is frequently used in the hospitality sector to describe how well your customers are treated.
A positive guest experience is at the very heart of hospitality. Additionally, it should be a key component of your hotel's operations since, if done well, it will encourage clients to leave favorable internet reviews and even become devoted regulars.
Hence, option (C) is accurate.
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Mary is a second year college stundent and wants to earn extra pocket money . she is good in making hand burgers,so she is considering opening up a hamburger stall on weekends at the local flea market near the compus. after investigating, she found the following: she can rent an exclusive site for R300 a day , payable in cash . this site can be rented for 10 hours per day . the existing major competitor in the flea market is selling hamburgers at R15 each. she reckons she will do well if she can sell better quality double cheese burger at the same price. she further decided to rent a fully equipped trailer , custom made for hamburgers stall with all additional accessories e.g signboards, gas ect. the rent is R460 per day. she would like to generate a salary of R500 per day plus an additional R240 per day for her little siister that would like to help her and also earn a little money. Mary further found that the ingredients of 1 hamburger add up to exactly R5. she also decided to rent a sign to fit above the trailer for R500 per day . Mary would like to know: how many hamburgers must she sell per day to cover her cost? motivate your answer by completing the table
Entities such as offer certifications and qualifications in accounting that will help increase your future earning potential, deepen your knowledge, and enhance your credibility in the field.
There are numerous other professional associations, such as the institute of management, accountants, and American association of finance and accounting .
What is certifications and qualifications in accounting ?So joining one of these organisations can help you improve your knowledge, raise your standing in the accounting community, and increase your earnings in the future.
In the United States, the CPA licence is the most widely used accounting credential for positions in accounting and finance. Your proficiency in tax, compliance, risk management, forensic accounting, and other fields is recognised by this accreditation.
A well-known accounting certification can help you get work, boost your marketability, and give you and your company professional credibility in a cutthroat industry.
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Communication which occurs via staff meeting would fall under which
category?
A. horizontal
C. vertical
B. a synchronous
D. Synchronous
Synchronous communication is the category that would best describe communication which occurs via staff meeting.
What is Synchronous?Synchronous communication is a type of communication that occurs in real-time. It is a two-way process in which both parties involved must be present and actively participating in order for information to be exchanged. The exchange of information is immediate and occurs at the same time; there is no lag time or waiting period.
Synchronous communication is when two or more people are communicating at the same time, such as in a meeting or face-to-face. Horizontal communication is when communication occurs between people at the same level in an organization, while vertical communication is communication between people at different levels in an organization.
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When will the U.S. armed forces provide financial aid?
A. during and after your service
B. before, during, and after your service
C. After you have served two years
D. Before and after your service
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1.Critically evaluate how success and failure in practice of basic management functions affect the organization. Support with real local examples.
Most often, the success and failure of the basic management functions of the organization rest on an effective or ineffective manager, who is in charge of the basic management functions.
How does basic management functions affect the organization?An organization's effective management entails the ability to plan, organize, lead, and control resources in order to achieve its goals and objectives. When these management functions are carried out successfully, the organization's efficiency, productivity, and overall performance are likely to improve.
As a result, a well-organized organization with a clear chain of command and decision-making process will be able to respond to challenges and opportunities more effectively.
However, when basic management functions are not carried out successfully, it can have a negative impact on the organization. Poor planning can waste resources and lead to missed opportunities, whereas disorganized systems and processes can lead to inefficiencies and confusion.
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A self assessment tool that identifies your strengths, skills, and interests is called a(n) ___.
A. interest inventory
B. entrance exam
C. psychological evaluation
D. standardized test
A self assessment tool that identifies your strengths, skills, and interests is called an interest inventory. The Option A is correct.
What does an interest inventory mean?An interest inventory, also known as an interest test, is a testing instrument designed to measure and evaluate an individual's level of interest in, or preference for, a variety of activities. Direct observation of behavior, ability tests, and self-reporting inventories of interest in educational, social, recreational, and vocational activities are examples of testing methods.
The activities typically represented in interest inventories are related to various occupational areas, and these instruments and their outcomes are frequently used in vocational guidance.
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The paid-off portion of your mortgage at any point in time is called the __________., a. equity, b. principal, c. down payment, d. line of credit
Answer:
b is answer i think ..........
Explain international trade, alliance and conflict
When using the formula for calculating the APR, you need to add 1 to one of the values. Which value?
a. the total number of payments
b. amount of loan
c. finance charge
d. number of payment periods in one year
When using the formula for calculating the APR (Annual Percentage Rate), you need to add 1 to the number of payment periods in one year (d).
The APR is a measure of the cost of borrowing money, expressed as a percentage. It takes into account the amount of the loan, the finance charge (the fees associated with borrowing the money), and the number of payments that will be made over the course of the loan.
To calculate the APR, you will need to use the following formula:
APR = (finance charge / loan amount) x (number of payment periods in one year / number of payments) x 100
In this formula, the finance charge is the total amount of money that the borrower will pay to borrow the loan. The loan amount is the principal amount of the loan, or the amount of money being borrowed. The number of payment periods in one year is the number of times that payments will be made over the course of one year, and the number of payments is the total number of payments that will be made over the course of the loan.
By adding 1 to the number of payment periods in one year, you are taking into account the fact that there are typically more than 12 payment periods in a year (for example, if you make monthly payments, there will be 12 payment periods in one year). This ensures that the APR is accurate and reflects the true cost of borrowing the money.
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In calculating the APR, the number to which you add 1 is the number of payment periods in one year, but express as a decimal and not a percent.
Explanation:In the context of calculating the Annual Percentage Rate (APR), you would add 1 to the number of payment periods in one year by converting it from a percent to a decimal. Here is a simple example: If the annual interest rate is 5%, we express it as 0.05, but when we use it to calculate the APR, we add 1 to get 1.05 which is utilized in the formula.
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1. Visit two supermarkets preferably Imtiaz & Carrefour and take detailed notes on the layout of each store. You should look at the layout of the store overall, as well as the layout of individual departments such as clothing, crockery, fresh fruits, frozen item produce, meat, bakery, etc.
2. Compare and contrast the layouts of the two supermarkets. Look at the placement of different departments in each store, the use of signage and other visual cues to guide customers, and the layout of the checkout areas.
3. Consider the factors that might influence the layout of each store. For example, they might think about the target customer base of each store, the size and shape of the store, and the local cultural and economic context in which the store is located.
4. Present your findings in a report or presentation, explaining your observations and analysis of the layouts of the two supermarkets.
5. Also try to create a visual comparison of the layouts using diagrams or other graphics.
urgent answer needed
Supermarkets can be compare compared, I visited Imtiaz supermarket and Carrefour supermarket and both had different pros and cons.
What is Supermarket?A supermarket is a place where a variety of products can be purchased, example Carrefour, Target and Walmart.
Both Imtiaz and Carrefour have all the departments that is clothing, crockery, fresh fruits, frozen item produce, meat, bakery and more. Comparatively Carrefour have a larger variety of clothing and bakery items.
The placement of Bakery should be near the checkout I believe and so Carrefour have it at the end while Imtiaz usually have bakery in the start of the store, Clothing department is in the middle in the two supermarkets which is the better placement, but the signage are available at both supermarkets. In general the aisles in Carrefour seems more organized as compared to Imtiaz where aisles are scattered and not made in a structural way.
Imtiaz supermarkets are usually short on space and so also the aisles are small and at one time only one way trolley can be moved, while Carrefour have much space between the aisles. In Economic ways Imtiaz supermarket have lower rates as compared to Carrefour.
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Which of the following is not an example of restructuring?
Answer:
c
Explanation:
Increasing or decreasing the amount of common stock is not an example of restructuring. Thus, option 'A' is the correct option.
What is restructuring in a business?A business restructuring is a key step that a company takes to change and reorganize its operations with the goal of lowering debt, boosting productivity, and enhancing the firm's moving ahead. Businesses experiencing financial challenges are more likely to reorganize.
A firm that finds itself in a situation where its debt is rising and it is having trouble making payments on time will frequently choose to restructure in order to find a sustainable solution to pay back all of its creditors and settle any outstanding debt. In general, the significance of corporate restructuring originates from its capacity to right the ship, divert attention from a gathering storm, and steer it in the direction of sheltered seas. It can act to turn around a failing business and position it for success.
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The complete options are:
a. Increase or decrease the amount of common stock
b. Eliminating profitable but unrelated divisions.
c. Merging with companies in related industries.
d. Divesting of an unprofitable division
Select the correct answer.
Which verb form best completes the sentence?
¿A qué hora _____ usted a mi casa?
A.
vendrás
B.
vendrá
C.
vendrán
D.
vendré
Reset Next
Answer:
B
Explanation:
Question Content Area Entries for Issuing Bonds and Amortizing Discount by Straight-Line Method On the first day of its fiscal year, Chin Company issued $21,000,000 of five-year, 9% bonds to finance its operations of producing and selling home improvement products. Interest is payable semiannually. The bonds were issued at a market (effective) interest rate of 11%, resulting in Chin receiving cash of $19,417,090.
The bonds were issued at a market (effective) interest rate of 11%, resulting in Chin receiving cash of $19,417,090.The journalize entries to record the issuance of the bonds.
What is market?In economics, a market is a composition of systems, institutions, procedures, social relations or infrastructures whereby parties engage in exchange
Markets facilitate trade and enable the distribution and allocation of resources in a society. Markets allow any tradeable item to be evaluated and priced.
Market participants consist of all the buyers and sellers of a good who influence its price, which is determined by the market forces of supply and demand.
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Incredible Solutions issued a $1,120-par-value bond that is convertible at $28 per share. The current stock price is $30 per share. Calculate the conversion ratio and conversion value. Should bondholders exercise the conversion option?
If Incredible Solutions issued a $1,120-par-value bond that is convertible at $28 per share.
1. The conversion ratio is 40:1 and conversion value is $44,800.
2. Yes bondholders should exercise the conversion option.
How to find the conversion ratio and conversion value?1. Conversion ratio:
Conversion ratio =Common stock /Convertible per share
Conversion ratio=$1120/$28
Conversion ratio=40 shares
So,
The ratio is 40:1.
Conversion value:
Conversion value = Common stock price c
Conversion value
Conversion value=$1120×40
Conversion value=$44,800
2. Yes bondholders should exercise the conversion option.
Therefore the conversion ratio is 40:1 and the conversion value is $44,800.
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In the financial abbreviation APR, the A stands for _______. a. approved, b. annual, c. actual, d. average
The answer is option B: "annual."
APR stands for "Annual Percentage Rate." It is a term used to describe the annualized interest rate charged on a loan or credit card. APR is a measure of the cost of borrowing money and is expressed as a percentage. It includes not only the interest rate on the loan, but also any additional fees or charges that may be associated with borrowing the money. The APR helps borrowers compare the costs of different loans and credit cards, as it reflects the true annual cost of borrowing money.
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the graph at right shows the situation after the u.s. removes a tariff on imports of canned tuna.
A. C.
B. A+B+C+D.
C. A.
D. B+C+D.
Which area shows the loss in producer surplus?
A. B+C+D.
B. A+B.
C. A.
D. A+B+C+D.
Which area shows the loss in government tariff revenue?
A. A.
B. C.
C. A+B+C+D.
D. B+C+D.
Which areas show the reduction in deadweight loss?
A. B+C+D.
The graph that shows the situation when the U.S. removes a tariff on imports of canned tuna shows that the gain in consumer surplus is B. A+B+C+D.
The area which shows the loss of producer surplus is C. A.
The area which shows the loss in government tariff revenue is B. C.
The area showing a reduction in deadweight loss is B+D.
What happens when a tariffs are lifted ?When a tariff is lifted, the price of the good or service usually decreases, which increases consumer surplus. Consumers are able to purchase the same goods and services for a lower price, which results in a larger consumer surplus.
The price of the good or service usually decreases, which decreases producer surplus. Producers receive a lower price for the same goods and services, which results in a smaller producer surplus.
The government no longer receives revenue from that tax. Therefore, government revenue decreases when a tariff is lifted. The market becomes more efficient as the price of the good or service decreases, this leads to a decrease in deadweight loss.
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Not all industries and not all firms have sufferedequally during COVID-19. Find two industries: one that suffered tremendously and one that suffered less. Then find two firm within each other of the two industries: one
that suffered tremendously and one that improved performance (total of four firms). Investigate what are behind their performance differences.
Wide-ranging effects on company turnover between and within "high-contact" industries, including wholesale and retail, transportation and storage.
What sectors of the economy were unaffected by COVID?Administrative and waste management services and professional, scientific, and managerial services are the other two areas that COVID-19 has least of an impact on. Real estate, finance & insurance, and rental & leasing.
What impact has COVID-19 had on the business field sector?During the coronavirus pandemic in 2020, 6.0 percent of businesses cancelled, 9.7 percent postponed, 8.2 percent lowered, and 1.5 percent increased part of their anticipated capital expenditures. A total of 1.7 percent of businesses made new, unplanned capital investments.
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Mr X offers Mango for sale to Y at a price of Tk8500 per ton. Initially, Mr. Y accepts X’s offer. But with certain changes in the market situation Mr.Y wants to revocation of the offer and acceptance. Explain how Mr. Y revoked this offer
Mr. Y can revoke an offer by communicating to Mr. X that he no longer wishes to proceed with the sale of mangoes at the agreed-upon price of Tk8500 per ton, which can be done in person, over the phone, or in writing.
What is the definition of revoking an offer?Revocation of an offer occurs when the offeror withdraws the offer before the offeree accepts it. Thus, even if the offeror has already promised to keep the offer open, he can revoke it. The only time this will not occur is if the offeror received compensation to keep the offer open.
It should be noted that an offer can only be withdrawn before it has been accepted. Once an acceptance is communicated, the offer is considered binding and cannot be withdrawn. As a result, it is critical that Mr. Y communicates his rejection of the offer before Mr. X accepts it.
It is also worth noting that even if an offer has not yet been accepted, it can be terminated or become void in certain circumstances. For example, if the offer specifies a time limit for acceptance that expires, the offer is no longer valid. Similarly, if the offer's subject matter is destroyed or becomes unavailable, the offer may be terminated.
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When must you wash your hands
Answer:
Before, during, and after preparing food. Before and after eating food. Before and after caring for someone at home who is sick with vomiting or diarrhea. Before and after treating a cut or wound.
wash your hands before and after always and preferably with antibacterial soap
According to O*NET, what are common skills needed by Psychiatrists? Check all that apply.
social perceptiveness
operation monitoring
speaking
active listening
troubleshooting
equipment selection
According to O*NET, the common skills that is needed by Psychiatrists are:
a. Social perceptiveness
c. Speaking
d. Active listening
Who is a Psychiatrists?A Psychiatrists can be defined as the person whose job is to treat people with mental disorder and to always create awareness about the preventive measure people should make use of so as to prevent mental disorder as by doing this will help to reduce the rate of people with mental disorder.
A Psychiatrists should tend to possess social perceptiveness skills as this will enables him/her to know the reaction of people including the reason why people react or act they way they does.
A Psychiatrists should as well possess speaking skills as well as active listening as this can help to lead to effective communication between the Psychiatrists and the patient. This will enables the patients to pay full attention to what Psychiatrists is communicating to them.
Therefore the correct option are A, C, D.
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Answer:
Explanation:
acd
5. On the job, Candice coordinates the work of a small group
of people and acts as a catalyst. Her job title is most likely
a. vice president.
b. middle manager.
c. general manager.
d. team leader.
The correct option d. team leader, best describe the role of Candice who coordinates the small group of people.
Define the roles of term team leader and its roles?An professional who directs, teaches, and guides a team of individuals who work as a team is known as a team leader.
This definition states that a team leader must be able to effectively communicate, supervise the work of many others, and resolve any issues that may develop throughout a project. The team leader must ensure that all team members receive the essential information, remove barriers to production, inspire team members, and offer support to the group in order to fulfill their many crucial duties. The job description of a team leader outlines how the leader aids team members in achieving their objectives and adding to the expansion of a business. Team leaders encourage open and productive communication within their workplace and serve as an example to others.To know more about the team leader, here
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Which of the following is correct?
Negotiate it right, sell it right and deliver it right
Negotiate it right, price it right and deliver it right
Plan it right, sell it right and deliver it right
Plan it right, price it right and deliver it right
I think the correct answer would be Negotiate it right, sell it right and deliver it right.
No matter how much you plan it out, there might be issues that you face at the top of the supply chain. In such a case, you need to negotiate the price or other aspects of the product or service you are selling.
Emphasis also needs to be put on the way the product is sold or marketed. The marketing and advertising departments come into play here. They need to clearly define your client base target audience and the way in which you want to market your brand.
At the end, and most importantly lies the proper delivery of the service or product. It defines the future prospects for your brand.
Answer the question below. Use the rubric linked above for help if needed.
Think about the items that you use every day. Do you use inelastic goods? Do you use elastic goods? Give two examples of each type of good. Explain why you use each good and determine whether or not you
could survive without each good. Use details to support your answer.
Luxury products and particular foods and beverages are elastic goods because demand is influenced by price changes for them. Products like nicotine and prescription medications may be considered inelastic goods since the demand for them frequently remains constant despite price fluctuations.
What are the goods?The term Goods are products and resources that satisfy people's needs and wants. A good can be a natural science object, a provided service, or some accumulation of the two. Just about anything is good if it supplies some kind of benefit to consumers.
Electronics or clothing are examples of elastic goods, whereas food and prescription medications are examples of inelastic goods. Cross elasticity gauges how demand for one good changes in response to price changes for another, related good.
Therefore, Luxury items and specific foods and beverages are considered elastic goods since the demand for them is affected by price variations.
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Note that common skills are listed toward the top and less common skills are listed toward the bottom. According to O*NET, what are some common skills needed by Registered Nurses? Check all that apply.
coordination
social perceptiveness
active listening
equipment selection
equipment maintenance
installation