Consider the following situation: kelly sanders owns verve, a high fashion boutique retailing in exclusive clothes, jewelry, and other accessories. verve also sells a select range of bags and shoes. kelly had to work very hard to find a niche among its elite clients. earlier, she used to have a personal rapport with each client, knew their taste, their shopping history at verve, and so on. however, the clientele of verve has grown so large that kelly is finding it difficult to keep track of her customers. kelly is concerned that this may negatively affect her business. you are a consultant specializing in business intelligence for small businesses. kelly has approached you with her problem. she mentions that she has all sorts of data in her sales database, but she doesn't know how to get out the information that she needs. in an essay, explain how kelly could use rfm and olap to make verve more successful.

it made it so people could only live i certain areas.

answer; /// multipotentialite means a person who have many different interests and creative pursuits in life; (one true calling);

polymath; means a person   of wide-ranging knowledge or learning;

scanner; means; a device that captures images from photographic prints,posters,magazine pages.ect;

of the three mortgage options that demarco and tanya have to choose from, the balloon payment mortgage would be their best option, over adjustable payment and fixed payment plans.ultimately, the balloon payment plan would save demarco and tanya overall, in interest, would cost less monthly, and they would only have to make these payments for 8 years, opposing to 30 years for adjustable or fixed payment plans. 

overall, demarco and tanya would save $80,811 if they chose balloon payments over fixed payments, and would save $116,711 if they choose balloon payments over adjustable payments. benefits with choosing fixed payments over adjustable payments is that, in the end, the payments will still be $836.30 a month, while with adjustable payments, the initial monthly payments will be $763.38 to $1082.70 a month, ultimately leading to a more costly purchase. benefits with choosing fixed payments over balloon payments are not present. benefits in choosing adjustable payments over is that it has a lower interest rate, and starts with lower monthly payments initially. benefits in choosing adjustable payments over balloon payments include a lower interest rate, and lower initial monthly payments. benefits in choosing balloon payments over fixed payments include lower interest rates, lower overall price, lower monthly payments, takes less time to pay off, and does not require a downpayment. benefits in choosing balloon payments over adjustable payments include, lower monthly payments (when averaged), takes less time to pay off, and lower overall price.

hence, option c, balloon payments, is the best option for demarco and tanya to make this purchase, for it will save them a minimum of $80811, and a maximum of $116,711.