A noble lady was required to take on her husband's responsibilities when
she was more qualified to do them.
O her husband was away.
O her children no longer needed her care.
she received orders from the king.
WILL GIVE BRAINLIEST AND PLZZZ HURRRYYY UNIT TEST

Answers

Answer 1

Answer:

when her husband is away

Explanation:


Related Questions

Read pages 39-41 of Mice and Men and write an essay that analyzes literary techniques the author uses to explore the theme of friendship. Please no copying from the internet

Answers

A theme is a salient argument the author is putting forth on the subject at hand. Therefore, identify the discussion topic that is raised the most frequently. This will serve as the essay's main theme.

What are the common themes in friendship?

There are many themes that come to mind, such as love, overcoming obstacles, respect for human dignity, and so on. However, all of these themes are crucial to friendship, which is why I think the theme of friendship is so strong throughout the course. All friendships require dignity and respect for others.

Emerson emphasizes in "Friendship" that genuine friendship cannot be forced or superficial. True friendship, on the other hand, happens by chance when two like-minded people connect in a way that allows them to be completely open and sincere with one another and that allows them to share meaningful experiences.

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compare the settlement patterns and treatment of indians and religion of the spanish and the english in the americas.

Answers

The Spanish established large settlements and relied on the exploitation of Native Americans for labor and resources, while the English established smaller settlements and sought to assimilate Native Americans into English culture and religion.

Patterns of Settlement:

The Spanish constructed huge colonies known as "encomienda's," which were granted to Spanish colonists in order to dominate and exploit the indigenous population for labor and resources. The Spanish also established cities such as Mexico City and Lima, which became commercial and administrative hubs.

Native Americans' Treatment:

Native Americans were viewed as inferior and subject to Spanish administration, and they were frequently exploited for labor in mines and on plantations. The Spanish also attempted, often violently, to convert Native Americans to Catholicism.

Religion:

Catholicism was brought to the Americas by the Spanish, and religious traditions became a fundamental aspect of Spanish colonialism. The Spanish constructed missions to convert Native Americans to Catholicism, and their religious practices and beliefs had an impact on the growth of the religion.

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What do naturalized US citizens swear to do for their new country? Check all that apply

Answers

You need to give options

another term for real intrest rate is?

Answers

Real Interest Rate = Nominal Interest Rate - Inflation (Expected or Actual)

Researchers Arthur E. Spiess and Bruce D. Spiess conclude that the epidemic that killed as many as 90 percent of the indigenous population of coastal New England just before Puritans arrived was likely:

Answers

Researchers Arthur E. Spiess and Bruce D. Spiess conclude that the epidemic that killed as many as 90 percent of the indigenous population of coastal New England just before Puritans arrived was likely option c. plague.

This conclusion is based on their analysis of historical records, accounts from early settlers, and the symptoms described during that time. The plague, also known as the bubonic plague or Black Death, is a highly contagious and devastating disease caused by the bacterium Yersinia pestis. It is primarily transmitted through fleas that infest rats and can be transmitted to humans through flea bites.

The symptoms of the plague include high fever, painful swollen lymph nodes (buboes), and severe illness, often resulting in death. The researchers' conclusion of the plague as the probable cause of the epidemic is supported by historical accounts of a widespread and rapidly spreading illness with severe symptoms, similar to those associated with the plague.

Additionally, the high mortality rate of up to 90 percent aligns with the devastating impact that the plague had on populations throughout history. While viral hepatitis, smallpox, and cholera have also caused significant epidemics in different time periods, the specific characteristics and symptoms described in the historical records of coastal New England make the plague the most likely culprit in this case.

The Question was Incomplete, Find the full content below :

Researchers Arthur E. Spiess and Bruce D. Spiess conclude that the epidemic that killed as many as 90 percent of the indigenous population of coastal New England just before Puritans arrived was likely:

a) viral hepatitis

b) smalipox

c) plague

d) cholera

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What early twentieth-century film does Byron Hurt describe as having "spread fear and paranoia about black masculinity?"

Answers

Answer:

The Birth of a Nation.

Explanation:

'The Birth of A Nation' was a film premiered on 8th February, 1915 at Clune’s Auditorium, Los Angeles. The film was directed by David Wark Griffith, and the film became the first of America's feature-length motion picture. The film was made of 10-reels of upto three hours at length.

Byron Hurt regarded 'The Birth of a Nation' as a movie which 'spread fear and paranoia about black masculinity...'

The movie subjected the history of Civil War, Reconstruction, rise of Ku Klux Khan, and assassination of Abhraham Lincoln. The movie depicts the black masculinity as something which is 'lazy, deceitful, overs-exed, and dangerous.'

The Birth of a Nation is an early twentieth-century film directed by David Griffith.

It became the first feature picture in America.Byron Hurt regarded 'The Birth of a Nation as a movie that spread fear and paranoia about black masculinity.Byron Hurt tried to talk about how the film showed the stereotypes of black men as lazy, dishonest, and dangerous.It also shows that black men are scary for white women that gave rise to the Ku Klux Klan.

Therefore we can conclude that the early twentieth-century film, the birth of Nation described as spreading fear and paranoia about black masculinity.

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What early twentieth-century film does Byron Hurt describe as having "spread fear and paranoia about

Which amendment in the Bill of Rights was a direct response to the Quartering Act? O First Amendment Fifth Amendment Seventh Amendment O Third Amendment​

Answers

Answer: third amendment

Explanation:

The III amendment to US Constitution places restrictions on the quartering of soldiers in private homes without the owners consent, forbidding the practice in peacetime

Question 4 of 30
Which statement best explains how Mexican immigrants were affected by
American immigration policies in the 1920s?
A. Many were illegally deported because of high unemployment.
B. For the first time, they were legally allowed to immigrate.
C. Immigration became more difficult because they were forced to
enter through New York.
D. They were officially encouraged to immigrate to help struggling
farms.

Answers

It is frist one, A because the unemployment

how integration of whites and blacks helped to perpetuate inequality and racism in South Africa​

Answers

The integration of whites and blacks in South Africa perpetuated inequality and racism in South Africa​ by doing little to address the systemic inequalities that had been built into the country's social, economic, and political systems.

How did integration disadvantage Blacks in SA ?

During the apartheid era, the South African government used the policy of "grand apartheid," which sought to physically separate whites and blacks into different residential areas, and "petty apartheid," which aimed to segregate public amenities such as schools, parks, and transportation.

However, after apartheid was dismantled, the policy of integration was implemented in a way that still allowed for white domination and privilege, with many black people still living in impoverished areas with limited access to quality education, healthcare, and job opportunities.

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FILL IN THE BLANK the history of egypt begins in about 3000 bce with the union of upper and lower egypt by blanK ____ , the pharaoh king of upper egypt, who established his capital at memphis

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The history of Egypt begins in about 3000 bce with the union of upper and lower egypt by Menes, the pharaoh king of upper egypt, who established his capital at memphis.

Who was Menes as a Pharaoh known for?

Menes, the legendary first king of unified Egypt, who, according to legend, united Upper and Lower Egypt into a single centralized monarchy and established the 1st dynasty of ancient Egypt.

Manetho, a 3rd-century BCE Egyptian historian, referred to him as Menes, Herodotus, a 5th-century BCE Greek historian, referred to him as Min, and two native-king lists from the 19th dynasty (13th century BCE) refer to him as Meni. Scholars have made inconclusive links between the legendary Menes and one or more of the archaic Egyptian kings known as Scorpion, Narmer, and Aha.

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What is true about all the countries in Central Asia

Answers

Answer: Asia is a birthplace to Mathematics and Modern Medicine.

Explanation: Some Scientists, legal scholars, historians and some poets come from the central part of Asia.

A rich history as a cradle of high mathematics, modern medicine, and scientific writing can be traced back to Central Asia. It is also a region that was home to some of the greatest scientists, legal scholars, historians, and poets of the medieval period in the world. The largest single natural source of walnuts in the world is located near the Kyrgyz village of Arslanbob in a forest located near the border between Kazakhstan and Kyrgyzstan. In addition to having more genes than humans, apples originate from the Tien Shan mountains near the Kazakhstan-Kyrgyzstan border.

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____ laid the ground work for tribal government and promoted the preservation of Native American
traditions.
A. The Indian Removal Act
B. The Wheeler-Howard Act
C. The first tribal constitution
D. both B and C

Answers

The Wheeler- Howard act

"The Wheeler-Howard Act laid the groundwork for tribal government and promoted the preservation of Native American traditions." Thus, option B is correct.

What was The Wheeler-Howard Act?

The Indian Reorganization Act, also known as the Wheeler-Howard Act, was adopted by the United States Congress on June 18, 1934, with the goal of reducing federal authority over American Indian matters and promoting Indian self-government and accountability.

In recognition of the Indians' contributions to the country during World War I, Congress approved the Meriam survey on the status of living on reservations in 1924. The appalling circumstances under the Dawes General Allotment Act (1887), as reported in the Meriam report of 1928, fueled calls for reform.

The Indian Reorganization Act integrated many of the Meriam report's reform suggestions. The statute prohibited the future assignment of tribal community lands to individuals and mandated the restoration of excess lands to tribes rather than people.

Therefore, it can be concluded that Wheeler-Howard act safeguard the interest and traditions of the Native Americans. Hence, option B is correct.

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Which statements describe the United Nations? Choose four correct answers.


The UN was founded after World War II.

The UN provides humanitarian aid to people in need.

The Trusteeship Council is responsible for maintaining peace and security.

The UN punished Germany and Japan for World War II.

All member nations are represented in the General Assembly.

The Security Council has five permanent members and 10 rotating members.

Answers

Regarding the United Nations, the following is accurate:

The UN was established following World War II.People in need receive humanitarian relief from the UN.The General Assembly has representatives from each member country.Ten rotating members and five permanent members make up the Security Council.

What is the purpose of united nation?

After all trust territories attained independence or self-government in 1994, the Trusteeship Council, which was in charge of managing trust territories, ceased operations. It is no longer a functioning UN body. Germany and Japan were not subject to UN sanctions for their involvement in World War II; instead, they helped with post-war reconstruction and subsequently became UN members.

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What effect did the Battle of Fallen Timbers in 1794 have on the Indigenous people of the region?
A. Indigenous people stopped fighting with US forces.
B. White settlers stopped farming on Indigenous land.
C. Indigenous people began to reclaim lost land.
D. White settlers began to move back to the southeast.

Answers

Answer:

D. White settlers began to move back to move to the southeast

Explanation:

I did it

What effect did the Battle of Fallen Timbers in 1794 have on the Indigenous people of the region?A. Indigenous

White settlers began to move back to the southeast is the effect did the Battle of Fallen Timbers in 1794 have on the Indigenous people of the region. Hence, option D is correct.

Why did settlers move out West in the first place?

Land was a major factor in people's westward migration. There was a lot of property with excellent farming soil that could be purchased for a low cost. Living on the East Coast was also highly congested. The population of the United States was expanding quickly.

The mountain men, who traveled to the Rockies in the 1820s and 1830s to hunt beaver, bear, and elk, were the first white Americans to settle in the west. The 3,200km-long Oregon Trail was then opened by a wagon train in 1841, leading to the American northwest coast's forested areas.

The first Europeans to settle in the Southern colonies were the English. An expedition of colonists left England for the New World in 1606.

Thus, option D is correct.

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The Apologists demonstrated how to practically love God with one's ________.

Answers

The Apologists demonstrated how to practically love God with ones HEART

What is the remedy for a law that is unconstitutional

Answers

Answer:

A law that is unconstitutional is one that violates the principles and provisions of the supreme law of the land, which is the constitution. Such a law may infringe on the rights and freedoms of the people, or exceed the powers and limits of the government. The remedy for a law that is unconstitutional is to challenge it in a court of law, where judges can review its validity and compatibility with the constitution. If the court finds that the law is indeed unconstitutional, it can declare it null and void, and prevent its enforcement. This process is known as judicial review, and it is an essential mechanism for upholding the rule of law and protecting democracy.

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You are surrounded, as we have constantly shown you throughout this book, with an infinite number of comforts and conveniences which had no existence two or three centuries ago and those comforts are not used only by a few, but are within the reach of almost all men. Every day is adding something to your comforts. Your houses are better built, your clothes are cheaper, you have an infinite number of domestic utensils. You can travel cheaply from place to place, and not only travel at less expense, but travel ten times quicker than two hundred years ago.
2. Is this a positive or negative effect? What does the passage mean?

Answers

The passage describes the abundance of comforts and conveniences that exist in the present time compared to two or three centuries ago. It highlights the fact that these comforts, which were once nonexistent, are now accessible to almost everyone.

The passage emphasizes the positive effects of technological advancements and progress in various aspects of life.

The overall tone of the passage suggests a positive effect. It portrays the advancements in housing, clothing, domestic utensils, and transportation as beneficial improvements that enhance the quality of life.

The author emphasizes the increased affordability and accessibility of these comforts, making them available to a wider range of people.

In summary, the passage suggests that the presence of numerous comforts and conveniences, which were absent in the past, is a positive outcome. It indicates the progress made over time in improving living standards and increasing the accessibility of these amenities.

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PLS HELP
What was an effect of the Second Punic War?

Carthage remained a major trading center.
Rome gained control over Sicily and Greece.
Rome maintained control of Egypt and Spain.
Carthage became a major military rival to Rome.

Answers

Rome maintained control of Spain

Answer:

c

Explanation:

edge2020

Changes for African Americans
Complete the chart in complete sentences and in vour own words. Then respond to the questions below.
Type of
Change
Example of One Change for Example of One Obstacle to
African Americans During
This Change
Reconstruction
Political
Economic
Social
Answer the following questions in complete sentences. Be sure to include at least two specific details from the lesson to support your response.
1. Which type of change political, social, or economic had the most impact on African Americans? Explain.
2. For the first hundred years of the United States, only white males were able to vote. Since then, amendments to the Constitution have made it so that any citizen aged 18 or older can vote. Which amendments granted different groups the right to vote? Why were amendments needed to expand voting rights?

Answers

Type of ChangeExample of One Change for African Americans During This ChangeExample of One Obstacle to African Americans During This ChangePolitical African American men were given the right to vote. The KKK, or Ku Klux Klan, would terrorize African Americans who tried to vote.Economic African American men were able to gain paying jobs in various industries, particularly during World War II.

However, they still had to work in low-paying jobs or in jobs with very difficult working conditions.Social African Americans were finally able to attend schools with white students, as mandated by the Brown v. Board of Education ruling.

However, there was still widespread racism and discrimination that made it difficult for African American students to receive a quality education.

1. Social change had the most impact on African Americans. This is because this type of change is directly related to the way African Americans were treated by white people.

African Americans were discriminated against and did not have access to the same opportunities as white people. Segregation kept them from participating in mainstream society. The Brown v. Board of Education ruling helped to break down these barriers.

2. The 15th Amendment granted African American men the right to vote. The 19th Amendment granted women the right to vote. The 26th Amendment lowered the voting age to 18.

Amendments were needed to expand voting rights because the Constitution originally only granted the right to vote to white male property owners. The amendments were needed to correct this unfair and unequal treatment of certain groups of people.

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What are the names of the major groups that settled the islands of Oceania?
Choose all answers that are correct.
D Indonesians
Filipinos
Aboriginals and Maori
O South Americans

Answers

Aboriginals and Maori.

Answer:

Filipinos and Indonesians.

Explanation:

k12 test

What are the names of the major groups that settled the islands of Oceania?Choose all answers that are

most bills make it through congress become laws true or false

Answers

Answer: true

Explanation:

HELP ME !!!!!

1. what's the full name of the man in the center of the cartoon and what is he trying to achieve?

2. What dose the 36°30' line represent in the cartoon?​

HELP ME !!!!!1. what's the full name of the man in the center of the cartoon and what is he trying to

Answers

The man in the center is Henry Clay. Missouri was admitted as a slave state, Maine as a free state, and future states were prohibited from starting slavery above the 36°30 parallel.

The Missouri Compromise was drafted by Henry Clay in order to preserve the United States united and extended. The southern slave states' economy was based on tobacco, cotton, and an abundance of farmland. Southern farmers pursued western expansion aggressively in order to maintain agricultural production.

Northern states did not rely on land because they had an industrialized economy. However, the northern states refused to allow slavery in expansion states because it would upset the federal government's legislative balance.

The North argued that because Congress held power over the territories and the admission of new states, it could decide the fate of slavery in the territories.

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What was the power structure of the Byzantine Empire in religious matters?

A. The pope ruled over the bishops.

B. The emperor and the pope were equals.

C. The emperor had power over the patriarch.


D. The patriarch was appointed by the bishops.

Answers

Answer:

C. The emperor had power over the patriarch.

Explanation:

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Create a chart or graphic to compare and contrast the TX Constitution with the US Constitution.

If you help I would be so thankful with you.

Answers

The Texas Constitution and the United States Constitution are both foundational documents that outline the structure, powers, and rights within their respective jurisdictions. While they share similarities, they also have notable differences. Here's a comparison highlighting some key points:

1. Origin: The United States Constitution was adopted in 1787, establishing the federal government, while the Texas Constitution has undergone multiple revisions since Texas gained independence from Mexico in 1836.

2. Length and Specificity: The United States Constitution is relatively concise, consisting of seven articles and 27 amendments. In contrast, the Texas Constitution is considerably longer and more detailed, reflecting its attempt to address specific issues and anticipate future challenges.

3. Separation of Powers: Both constitutions establish a separation of powers among three branches of government: executive, legislative, and judicial. However, the Texas Constitution emphasizes a more decentralized form of government, granting significant power to local governments and limiting the authority of the executive branch.

4. Amendment Process: The United States Constitution allows amendments through a two-thirds majority vote in both houses of Congress or by a constitutional convention called by two-thirds of the state legislatures. In contrast, the Texas Constitution permits amendments through a two-thirds majority vote in both chambers of the state legislature and subsequent approval by a majority of Texas voters in a statewide referendum.

5. Protection of Rights: While the United States Constitution contains the Bill of Rights as its first ten amendments, the Texas Constitution includes a more extensive list of rights, covering areas such as individual liberties, property rights, and education.

6. Judicial System: The United States Constitution establishes a federal court system, including the Supreme Court, while the Texas Constitution provides for a state-level judicial system with a Supreme Court and several other courts.

This brief comparison highlights some key differences between the Texas Constitution and the United States Constitution. It is important to note that the two documents serve different purposes, with the U.S. Constitution focusing on the overall structure of the federal government, while the Texas Constitution addresses the specific needs and governance of the state of Texas.

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This is a statement from one historian about the First Great Awakening.

Parishioners during the revival gained an understanding of covenants with their churches as contractual schemes; they argued that each believer owed the church their obedience, and the churches in turn owed their congregants the duty to be faithful to the Gospel. Parishioners therefore reserved the right to dissolve the covenant and to sever ties with the church without prior permission.

The last sentence is evidence that the First Great Awakening advanced which republican value?
A. Power comes from the people not from a divine ruler.
B. Government exists to protect the natural rights of the people.
C. People have the right to overthrow their leaders.
D. People must accept that corruption is part of government.

Answers

Answer:

C

Explanation:

My mom is a teacher lol

Someone who believes the Fed should be abolished might argue that it

Answers

Someone who believes the Fed should be abolished might argue that it helps prevent bank failures. Thus, option C is the correct option.

The country's secure, adaptable, and stable monetary and financial system is provided by the Federal Reserve, the country's central bank. The Federal Reserve is the nation's central bank. The Fed offers a number of services that support keeping the economy and banks stable.

Commercial banks are required by the Fed to reserve a certain amount of their deposits. If there are unexpectedly large withdrawals, the bank may be able to access this reserve to help with liquidity. Thus, bank failures are avoided. Thus, one may counter that the Fed helps avoid bank collapses if they think it should be eliminated.

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Probably the full options are:

A. harmed the financial markets post-September 11th by maintaining their liquidity.

B. supports a currency monopoly and benefits the wealthy over others.

C. helps prevent bank failures.

D. provides important services, such as check processing.

Tu what extent the country changed because of the Civil War and Reconstruction in the nineteenth century? Write an essay

Answers

Answer:

This year the nation commemorated the 150th anniversary of the end of the Civil War. The war was a period of great transformation in America, in Washington, D.C., and in the lives of African Americans. Those changes continued into the second half of the 19th century. Jason Steinhauer sat down with historian Kate Masur, a former Kluge Fellow at the Kluge Center and a recent returnee to the Center for this past year’s.

There were two lasting transformations: the city’s growth and the abolition of slavery. Abolitionists had been trying for decades to persuade Congress to abolish slavery in D.C., but Congress – dominated by slaveholding interests – would not move. Thus when Congress finally passed an abolition act for the capital in April 1862, it was clear that changes of vast magnitude, for the city, the region, and the nation as a whole, were at hand. At the same time, the war brought thousands of new people into what had been a relatively small city. Many of them were transient and left when the war machine disbanded; overall, however, population growth continued, a real estate boom ensued, and Washington began to become the modern city we know today.

escape room Choose correct pyramid social structure room 1 pick the pyramid that shows social classes correctly from top to bottom 2. select the pyramid that corresponds with the correct picture in the blank line to escape into the next room 1. patricians plebeians freedmen slaves, 2. plebeians patricians freedmen slaves put the numbers in correct order

Answers

Answer:

1 pick the pyramid that shows social classes correctly from top to bottom

Explanation:

Answer: A. 1 pick the pyramid that shows social classes correctly from top to bottom

Explanation: im pretty sure.

what's is a revolution​

Answers

A revolution is a sudden and significant change in the way a society or system functions, often involving a complete or radical overthrow of the existing government or social order. Revolutions can occur for various reasons, such as political, economic, or social grievances, and they are often characterized by mass mobilization, protests, and sometimes violence. Revolutions can lead to the establishment of new political systems, the redrawing of national borders, and changes in the distribution of power and wealth. Some of the most famous revolutions in history include the American Revolution, the French Revolution, and the Russian Revolution.

a revolution is the change in the established order, usually the established government and social institution.


Scenario #2
For several months there have been credible reports that there is mass genocide being carried out on the part
of the government against ethnic minorities in a small African nation. Amnesty International estimates that
more than 500,000 have been murdered thus far. In a speech to a joint session of Congress, the president of
the United States declares that he will commit 25,000 American troops to assist the United Nations in an
effort to stop the violence against civilians and restore peace to the country. In his speech, the president
contends "as the last remaining Superpower, the United States has a moral obligation and the means to stop
the murders of countless innocent men, women and children."
a) Identify and explain which formal Constitutional powers apply to this scenario.
b) What informal powers and/or roles of the president apply? Explain.
c) Are the president's actions constitutional? Identify which section of the Constitution supports your
answer.
d) If Congress disagrees with the president's action outlined above, what actions can Congress take to
limit the procident?

Answers

The identification and explanation of the formal Constitutional powers that apply to this scenario is the Genocide Convention Act that was put in place by the UN to stop and prevent genocides.

The informal powers which the president applies here is that he issued an executive order as the Commander-in-Chief of the Armed Forces of the United States of America.

Yes, his actions are constitutional as, during times of war or uncertain times, he can commit a sizeable force of the military to the United Nations for intervention in a foreign country, and this has to be done with the approval of Congress.

If Congress disagrees, the steps they can take to limit the precedent is to get a two-thirds majority vote to block it.

What is the Constitution?

This refers to the written laws that guide the actions of a nation.

Hence, we can see that the correct answers to the questions about the informal powers of the president and power of the Congress have been given above

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frase que refleje metafora Into which country did general douglas macarthur want to expand military operations during the korean war?. Pls help me with this problem What detail in Abbot's description of his physical ailments is clearly exaggerated? A student drops a ball from a slope. He notices the ball rolling down as shown in the image.Which of these statements is true about the motion? (PLEASE OPEN) Need help with triangle proofs, please. Resuelve por el permetro.5 cm8 cm the ______ has greatly increased the ability of nongovernmental organizations (ngos) to reach potential donors. Triangle KLM is isosceles with sides ML=240mm and MK=74mm calculate the size of angle MKL B H What is the area of a cross section that is parallel to face BFGC? 7 cm 32 cm D 12 cm C Enter your answer in the box. cm2 in the first paragraph of passage 1 how does the author mainly support the idea that the Norse lived in Greenland only temporarily Identify the range of the function shown in the graph.A.6 x 6B.y is all real numbers.C.0 y 8D.y > 0 Explain the steps you would take to complete this conversion problem.might be the wrong picture use the outline to answer your question. In 3 to 5 sentences explain what you would put in a possible conclusion for the story including at least one of the following elements of a strong conclusion: solution, growth, new knowledge, reflection. PLEASE HELP Can someone help me with number 16 I am confused. Can someone help me please what is jumbled letter of vrieaty fo ggons nad cylsbma? The hypotenuse of a right triangle measures 19 cm and one of its legs measures 4 cm. Find the measure of the other leg. If necessary, round to the nearest tenth. Appendix 1: NoFlake Business Case: TechnoTec has decided to develop an innovative financial product for consumers, NoFlake. The management has understood that borrowers who are at greater risk of having money stolen from them by hackers (or other forms of cyberattacks) are less likely to be able to re-pay their debts and are more likely to be a vector for infiltration of TechnoTecs IT systems. Therefore, to create a competitive advantage over the industry leaders, NoFlake will use an artificial intelligence engine to analyse both the credit risk and the cyber-security maturity of their borrowers.How Does NoFlake Work?The AI engine uses an algorithm (see Appendix 2) to generate a predictive risk score between -100 and +100 for each potential borrower (with positive 100 being awarded to thelowest-risk borrowers and negative 100 being awarded to the highest-risk borrowers).Who Built NoFlake?The algorithm development team consisted of: Philippe Jankins-Chao (Team Leader, USyd IT graduate, age 26) Carmichael St Clare (Senior Developer, USyd IT graduate, age 24) Sebastian Montford-Smythe (Developer, Macquarie IT graduate, age 24) The development team hired Swizzle Pty Ltd to collect training data for the algorithm. Swizzle uses individual backpackers (paid minimum wage) to conduct surveys on major public streets in capital cities.Financial Analysis of NoFlake:TechnoTec currently pays 20 employees an average of $76,000 per year to determine which loan applicants should be approved, of which only two employees would be needed after NoFlake is introduced. NoFlake has two main goals: 1) to outperform human credit risk analysts by at least 20% (i.e. that the rate of loan non-repayments by applicants selected by NoFlake will be below 5.6% vs the current non-repayment rate of 7%); and 2) to lower by at least 40% (i.e. $600,000) the annual losses incurred by TechnoTec as a result of cyber-attackers gaining access to its internal systems using the legitimate log-in details of its customers. In 2020, TechnoTec lost $1.5m from such cyberattacks. On a loan-book totalling $50 million, the expected annual savings from NoFlake are: $50,000,000 * 0.014 (credit benefits) + $600,000 (cyber-security benefits) + $76,000 * 18 (labour cost savings) = $2,668,000. Given an expected cost of development of $1 200 000 and ongoing operational costs of $300,000, over a five-year period, the expected savings from implementing NoFlake are: $2,668,000 * 5 ($1,200,000 + ( $300,000 *5)) = $10,640,000. This equates to an 887% return on initial development costs, or 177% per annum over five years. Additional revenues could be generated by licencing the algorithm to third-party financial institutions (such as mortgage brokers) and paying a trailing commission to those brokers based on the value of the loans they originate which are approved by the algorithm. Those brokers would need to be trained in how to gather and fill in the information needed from borrowers to enable the algorithm to make its decisions.Question:Using the following appendixes give an explanation of how technology can help decision making (informed by the appendix above and real-world examples) explaining positive and negative aspects of the ethical challenges this can create. PLS HELP WORTH 15 POINTS!!!! QUESTION BELOW