Which of the following is generally not among the common practices that companies use to staff jobs with talented people, particularly if intellectual capital greatly aids good strategy execution? multiple choicecareful screening and evaluation of job applicants, along with continuous training and retraining programs for employees that continue throughout their careersrotating people through jobs that not only have great content but also span functional and geographic boundarieseliminating the bottom 10 percent of the lowest-performing employees each year to increase the overall quality performance metrics to above-average industry employees to challenge existing ways of doing things, to be creative and innovative in proposing better ways of operating, and to push their ideas for new products or businessesfostering a stimulating and engaging work environment such that employees will consider the company a great place to work

Insurance companies have internal controls in place to protect assets, monitor the accuracy of accounting records and encourage operational efficiencies and adherence to policies. these internal controls are generally of two types: administrative controls and accounting controls. administrative controls are the policies and procedures that guide the daily actions of employees. accounting controls are the policies and procedures that delineate authorizations of financial transactions that are done, safeguard assets, and provide reports on the company’s financial status in a reliable and timely manner. internal controls should include both preventative and detective controls. the purpose of preventative controls is to stop problems and errors before they occur. detective controls identify problems after they have occurred. preventative controls are usually more effective at reducing problems, but they also tend to be more expensive. internal controls must be flexible to adjust for changes in laws and regulations in addition to adding new products or modifying current ones. companies must also do regular analyses to ensure that the benefits of implementing the controls are worth their costs. when concerned about paying unwarranted insurance claims which type of control would be useful?

According to this excerpt, a key part of our national security strategy is

Your father offers you a choice of $120,000 in 11 years or $48,500 today. use appendix b as an approximate answer, but calculate your final answer using the formula and financial calculator methods. a-1. if money is discounted at 11 percent, what is the present value of the $120,000?