as a result of being an armed services veteran, dan should be eligible for a(n) group of answer choices fha loan. payment cap. va loan. negative amortization. arm.

Answers

Answer 1

As a result of being an armed services veteran, Dan should be eligible for a VA loan.

VA loans, also known as Veterans Affairs loans, are a type of mortgage loan program specifically designed to assist eligible veterans, active-duty service members, and their surviving spouses in obtaining home financing. These loans are backed by the Department of Veterans Affairs (VA) and offer several benefits, such as lower interest rates, flexible qualification criteria, and the ability to finance a home with little to no down payment. VA loans are intended to provide financial support and housing opportunities for veterans as a recognition of their service and dedication to the country. Therefore, being an armed services veteran makes Dan eligible for a VA loan, which can help him secure favorable terms and financing options for purchasing a home.

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Related Questions

Andrew wants to open an account for his grandson that he hopes will have $25,000 in it when he turns 21. How much should Andrew put into an account monthly that earns 1.5% interest, compounded monthly, if he begins when his grandson is born?

Answers

To calculate the monthly contribution Andrew should make, we can use the future value of an ordinary annuity formula. where P is the monthly payment, r is the interest rate per period, and n is the number of periods.

The future value (FV) of an ordinary annuity can be calculated using the formula. where P is the monthly payment, r is the interest rate per period, and n is the number of periods. In this case, Andrew wants the account to have $25,000 when his grandson turns 21. We need to determine the value of P. The time period is from the time his grandson is born until he turns 21, which is 21 years. The interest rate per period is 1.5% divided by 12 to get the monthly interest rate, which is approximately 0.125%. Therefore, Andrew should contribute approximately $79.59 into the account monthly to reach the goal of $25,000 when his grandson turns 21.Andrew wants to open an account for his grandson that he hopes will have $25,000 in it when he turns 21. How much should Andrew put into an account monthly that earns 1.5% interest, compounded monthly, if he begins when his grandson is born.

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The balance on a credit card, that charges a 20%
APR interest rate, over a 1 month period is given in
the following table:
Days 1-5: $200 (initial balance)
Days 6-20: $350 ($150 purchase)
Days 21-30: $150 ($200 payment)
What is the finance charge, on the average daily
balance, for this card over this 1 month period?
finance charge = $ [?]
Round to the nearest hundredth.
Enter

Answers

The balance on a credit card, that charges a 20% APR interest rate, the Finance charge is given as

$4.3055

This is further explained below.

What is the APR interest rate?

Generally, The interest rate that is applied to a loan, mortgage loan, credit card, etc. is referred to as an annual percentage rate of charge, which sometimes corresponds to a nominal APR and sometimes corresponds to an effective APR.

The annual percentage rate of charge is the interest rate for the entire year, as opposed to just a monthly fee or rate. It is a fee for financing that is presented in the form of an annual rate.

Interest rate APR = 12%

Average balance = ((200*5)+(350*15)+(150*10))/30

Average balance = $258.33

Average balance*APR/12

Finance charge =\(\frac{258.33*20 \%}{12 }\)

Finance charge = $4.3055

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g(x)=x^(3)+2x^(4)
find min and max points and graph

Answers

The function G(x) = x^3 + 2x^4 has a maximum point at x = -3/8. The minimum point cannot be determined with the given information.

To find the minimum and maximum points of the function G(x) = x^3 + 2x^4, we need to analyze the derivative of the function. The minimum and maximum points occur when the derivative equals zero or is undefined.

Taking the derivative of G(x) with respect to x:

G'(x) = 3x^2 + 8x^3

To find the critical points, we set G'(x) equal to zero and solve for x:

3x^2 + 8x^3 = 0

Factoring out x^2, we get:

x^2(3 + 8x) = 0

This equation is satisfied when x = 0 or 3 + 8x = 0.

From the second equation, we find:

8x = -3

x = -3/8

So, we have two critical points: x = 0 and x = -3/8.

To determine whether these points are minimum or maximum points, we can analyze the second derivative, G''(x).

Taking the derivative of G'(x):

G''(x) = 6x + 24x^2

Evaluating G''(x) at the critical points:

G''(0) = 0

G''(-3/8) = -3

Since G''(0) = 0, we cannot determine the nature of the critical point at x = 0. However, G''(-3/8) = -3, indicating a concave-down shape at x = -3/8, which suggests a maximum point.

Therefore, the function G(x) = x^3 + 2x^4 has a maximum point at x = -3/8. The minimum point cannot be determined with the given information.

To graph the function, we can plot points and observe the general shape. The graph will have a concave-up shape due to the presence of the positive coefficients of x^3 and x^4. The x-axis intercept is at x = 0, and the maximum point occurs at x = -3/8.

It's important to note that without further information or specific bounds for x, we cannot determine the exact minimum or the complete graph of the function. Additional details or restrictions would allow for a more precise analysis.

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How to make poultry farm?

Answers

Answer:

How to make a poultry farm

Explanation:

Steps:Choose the type of poultry bird to rearSelect a suitable farm location or siteProvide good housing/shelter for the birdsFeeding and medication of the poultry birdsMarketing and sales of the poultry birds

Necessary poultry equipments

FeederWater potLaying nestsHeater/incubatorFencingEgg handling nests

Which examples demonstrate workplaces common to Management workers? Check all that apply. Lamont has a separate office with a door so he can discuss confidential information with employees. India works from home all the time at a small desk in her kitchen and does not interact with others very often. Zoe frequently travels to the different locations of her large company to meet with the workers she supervises. Mickey sits at a desk out in the open in a busy office environment and is responsible for greeting new visitors.

Answers

Answer:

a and c

Explanation:

.

Lamont has a separate office with a door, so he can discuss confidential information with employees and Zoe frequently travels to the different locations of her large company to meet with the workers she supervises are the examples demonstrate workplaces common to Management workers. Hence, options A and C are correct.

What is Management workers?

A general manager, business manager, administrator, director, or other person who has operational or managerial control over, or who directly or indirectly manages, the day-to-day operations of a facility, organization, or agency is referred to as a managing employee.

Top-level managers, middle managers, first-line managers, and team leaders are the four most typical categories of managers. These positions differ not only in terms of their daily duties but also in terms of their overall role within the company and the types of personnel they supervise.

To accomplish particular objectives, managers plan, organize, direct, and control resources. The best strategy to accomplish their goals is determined throughout the planning process. In order to execute the company's strategy, resources must be allocated.

Thus, options A and C are correct.

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The amount transferred from work in process to finished goods is ______.

Answers

Answer:

Cost of goods manufactured

Explanation:

Brooklyn is paid biweekly. Her annual salary is $63,700. What is her biweekly gross pay?​

Answers

Brooklyn's biweekly gross pay, given the amount that she is paid annually, is $ 2, 450

How to find the biweekly gross pay?

A person's biweekly gross pay is the amount that they are paid every 2 weeks that is not adjusted for taxes and other deductions.

In a year, the number of two week periods are :

= Number of weeks / 2

= 52 / 2

= 26 biweekly periods

The biweekly salary of Brooklyn is therefore :

= Annual salary / number of biweekly periods

= 63, 700 / 26

= $ 2, 450

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Is this counted in the GDP of a country ?The services of a mechanic in fixing the radiator on his own car.

Answers

Answer:

Yes this could be counted as GDP

Explanation:

Purchasing uses information from the _____ to place purchase orders for raw materials with qualified suppliers.

Answers

Answer:

im pretty sure its bank

Explanation:

Answer:materials requirement plan

Explanation:

Having an accountability partner can be a powerful motivator when
trying to implement new habits in your life.

Answers

Answer:

The given statement is "True". A further explanation is given below.

Explanation:

An accountability partner could be compared to something like a working relationship during which you permit to apprentice each other rather than provide constructive criticism mostly on appropriate period. Collaborating with either the responsibility partner could indeed help you create daily behaviors. Unconsciously, living creatures also have to be squeezed to start up making coordinated actions along the lines of their objective.

Accomplishing your scoring opportunity would become a hardship if you're separated from your group.

A certain competitive firm sells its output for $20 per unit. The 50th unit of output that the firm produces has a marginal cost of $22. Production of the 50th unit of output does not necessarily

Answers

Answer:

d. increase the firm's average variable cost by $0.44.

Explanation:

As we know that in the perfect competitive market, the price of the firm should be equivalent to the marginal revenue

Now the price is $20 per unit

And, the 50th unit, the marginal cost is $22

Now the following results could be shown

a. It is not in profit maximizing output as the marginal revenue would not equivalent to the marginal cost

b. Also at 50th unit, the total revenue would rise by $20

c. In addition to this, the total cost would rise by $22

d. But at the same time the profit would reduced by 2 ($20 - $22)

Therefore the last option would be chosen

Production of the 50th unit of output does not necessarily: d. increase the firm's average variable cost by $0.44.

The statement that is not necessary true is that the production of the 50th unit of output increases the firm's average variable cost by $0.44 calculated as:

Production of the 50th unit of output =Marginal cost/50th units

Production of the 50th unit of output =$22/50

Production of the 50th unit of output =$0.44

The correct statement are:

The output will increases the firm's total revenue by $20 and $22 and the production of the 50th unit of output will decrease the firm's profit by $2 calculated as: ($20-$22).

Inconclusion production of the 50th unit of output does not necessarily: d. increase the firm's average variable cost by $0.44.

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Circle or highlight the correct answer choice: If you have a high credit score, you are more / less likely to get approved for a loan.

Answers

Answer:

more likely to get approved for a loan.

Explanation:

A credit score is the accepted indicator of one's reliability in paying debts.  In calculating the credit score, a person's credit history is an essential element. If one has been punctual and disciplined in repaying their debts, they are likely to have a high credit score.

Credit score range between 300 and 850. A high score implies the customer is very reliable in repaying debts. Lenders consider individuals with a high credit score as low-risk customers. They are less likely to default on their debts.  For this reason, a customer with a high credit score is highly likely to be approved for a loan.

All of the following statements are true regarding negotiated municipal underwritings EXCEPT the:A initial offering price of each maturity must be disclosedB spread must be disclosedC participation amount of each underwriter must be disclosedD customer must be sent a copy of the Official Statement, if available

Answers

Answer:

D

Explanation:

customer must be sent a copy of the official statement, if available

Suppose the market price of chicken wings in a university town recently increased. Economics students studying at the university are discussing potential causes of the price increase. One group of students theorize that the price increased because several wing joints in the area have recently gone out of business. Others claim the increase in the price of chicken wings is because of a recent decrease in the price of beer.

Everyone agrees that the decrease in the price of beer was caused by a recent decrease in the price of hops, which are not generally used in making chicken wings.

The first group of students claim the increase in the price of chicken wings can be attributed to the fact that several wing joints in the area have recently gone out of business.

Answers

This may explain the price increase, as the decreased competition in the economics market could lead to an increase in price.

What is economics market?

Economics market is an environment where buyers and sellers interact in order to exchange goods and services for money. It is the basis for the study of economics, which is the study of the production, distribution, and consumption of goods and services. Markets can be divided into different types depending on the nature of the product or service being exchanged. The two primary types of markets are the perfect competition market and the imperfect competition market. Perfect competition markets are those in which all buyers and sellers are equal and have access to the same information.

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Which of the following are valid reasons to deny someone a job?



-The company is not hiring for new positions.
-This job requires someone with a high school diploma.
-The job requires someone be able to speak French.

Answers

Answer:

The first one and last one.

Explanation:

If this could be 2 answers I think it would be both of these. That is because if the company is not hiring, they most likely won't even look at your resume. Also another one is if you don't speak French, than that job is not for you.

Answer:

you left out an answer.

its a,c,d

Explanation:

What accounts are affected. issued check $644 to pay for an advertisement

Answers

Answer:

Bank and Advertisement accounts

Explanation:

Journal entries

Advertisement       A/c Dr     $644

To Bank               A/c                $644  

(Being advertisement expenses made by cheque)

Bank and Advertisement accounts are affected

economic value added (eva) is the same thing as profits. T/F

Answers

False. Economic Value Added (EVA) is not the same thing as profits. While profits are a measure of the financial performance of a company and represent the difference between revenues and expenses.

EVA is a specific financial metric used to assess the value created by a company above its cost of capital. EVA takes into account both the operating profits of a company and the capital employed to generate those profits. It deducts the cost of capital (including the cost of equity and debt) from the operating profits to determine the value generated by the company. EVA provides a measure of how effectively a company utilizes its capital and whether it generates returns above its required minimum return. while profits are a general measure of financial performance, EVA provides a more specific evaluation of value creation and whether a company's profits exceed its cost of capital.

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What is the integral part of research?

Answers

Ethics is considered to be an integral part of research from the beginning to the end.

Research is considered to be very critical to societal development. As the research is conducted to study and then generate knowledge, provide useful information, and help the decision-making, among others.

However, ethics are considered to be an important part of the research. Thus, there are several reasons that why it is important in order to adhere to ethical norms. First, the norms tend to promote the aims of research. Research methods are specific procedures to collect and analyze data.

Hence, it also promotes knowledge, truth, and avoids any error.

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Choosing which types of assets you will invest in is known as
O A. a long-term strategy
O B. diversification
O C. cash investment
O D. asset allocation
SUBMIT

Choosing which types of assets you will invest in is known asO A. a long-term strategyO B. diversificationO

Answers

Answer:

Asset allocation

Explanation:

2. Once someone is promoted to facility manager, the job becomes easier because the person has subordinates who can help them. Therefore, they do not need to spend as many hours at the facility. a. True b. false

Answers

The statement "Once someone is promoted to facility manager, the job becomes easier because the person has subordinates who can help them. Therefore, they do not need to spend as many hours at the facility" is false because the promotion to the position of facility manager often means that more responsibilities are entrusted to the person holding that position and the job becomes more challenging.

Facility management involves a wide range of responsibilities and duties that are essential for the smooth operation and maintenance of a facility.

Once someone is promoted to the position of facility manager, they become responsible for supervising the daily operations of the facility, coordinating with various teams, overseeing facility maintenance and repairs, ensuring compliance with safety and health standards, and managing the facility's budget and resources.

As such, the job of a facility manager can become more demanding after their promotion. Although subordinates may provide support, they do not take away the facility manager's responsibility for ensuring that all aspects of the facility's operation are running smoothly.

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Assume that the next morning, the bond credit rating changes to A-/A-, and the new yield to maturity becomes 8.2%. What is the price of the bond after this change?
[From the prior problem: Calculate the price of the following corporate bond with a credit rating of BBB+ / Baa+: $1000 par value, 8% semi-annual pay coupon, 8.40% yield to maturity, and 5 years to maturity.}

Answers

If the bond credit rating changes to A-/A-, and the new yield to maturity becomes 8.2%, then the price of the bond will be $635.21.

To calculate the price of the bond after the credit rating change, we'll use the updated yield to maturity of 8.2%. The bond details remain the same:

Par value (PV) = $1000

Coupon rate (C) = 8% (semi-annual)

Yield to maturity (YTM) = 8.2% (semi-annual)

Years to maturity (n) = 5 (semi-annual)

To calculate the price of the bond, we can use the present value of the bond's cash flows:

Price = (C / 2) * [1 - (1 / (1 + YTM/2)ⁿ] + PV / (1 + YTM/2)ⁿ

Let's calculate the price of the bond after the credit rating change:

Price = (40 / 2) * [1 - (1 / (1 + 0.082/2)¹⁰)] + 1000 / (1 + 0.082/2)¹⁰

Price = 20 * [1 - (1 / (1.041)¹⁰)] + 1000 / (1.041)¹⁰

Price = 20 * (1 - 0.598799) + 1000 / 1.593848

Price = 20 * 0.401201 + 627.19

Price = 8.02402 + 627.19

Price = $635.21402

Therefore, after the credit rating change, the price of the bond would be approximately $635.21.

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can anyone answer this question it important​

can anyone answer this question it important

Answers

Answer:

I think it's private it's the most logical answer

C. Public and private organizations

It could also be government. But I’m more confident in C. Hopefully it is right.

The following facts pertain to a non-cancelable lease agreement between Mooney Leasing Company and Rode Company, a lessee Commencement date Annual lease payment due at the beginning of May 1, 2017 each year, beginning with May 1, 2017 Bargain purchase option price at end of lease term Lease term Economic life of leased equipment Lessor's cost Fair value of asset at May 1, 2017 Lessor's implicit rate Lessee's incremental borrowing rate $20,471.94 $4,000 5 years 10 years $65,000 $91,000 8% 8% The collectibility of the lease payments by Mooney is probable Click here to view the factor table Your answer is correct. Compute the amount of the lease receivable at commencement of the lease. (For calculation purposes, use 5 decimal places as displayed in the factor table provided and round answer to 2 decimal places, e.g. 5,275.15.) Lease receivable at commencement $9100 Attempts: 1 of 5 used /Your answer is partially correct. Try again Prepare a lease amortization schedule for Mooney for the 5-year lease term. (Round answers to 2 decimal places, e.g. 5,275.15.) Annual Lease Payment Plus BPO MOONEY LEASING COMPANY (Lessor) Lease Amortization Schedule Interest on Lease Receivable Recovery of Lease Receivable Lease Receivable Date 91000 20471.94 20471 70528.0 20471.94 20471.94 120471.94 20471.94 000.00 5642.24 455.8 3174.58 1790.79 296.30 55698.3 39682.2 22384.9 3703.7 114829.7 5/1/20 5/1/21 4/30/22 17297.3 18681.1 3703.7 $106359.7 15359.7990999 Attempts: 5 of 5 used Prepare the journal entries to reflect the signing of the lease agreement and to record the receipts and income related to this lease for the years 2017 and 2018. The lessor's accounting period ends on December 31. Reversing entries are not used by Mooney. (Credit account titles are automatically indented when amount is entered. Do not indent manually. Round answers to 2 decimal places, e.g. 5,275.15.) Date Account Titles and Explanation Debit Credit (To record the lease) (To record lease payment) Attempts: 0 of 5 used

Answers

The lease receivable at the commencement of the lease is $91,000.

To prepare the lease amortization schedule, we first need to calculate the annual lease payment plus bargain purchase option (BPO) price, which is $24,471.94 ($20,471.94 + $4,000). Then, using the factor table provided, we can calculate the interest on the lease receivable and the recovery of the lease receivable for each year. The annual lease payment plus BPO price is allocated as follows: $20,471.94 to interest expense and $4,000 to reduction of the lease receivable. The lease amortization schedule for Mooney is as follows:
Date             Lease Receivable      Interest Expense      Recovery of Lease Receivable     Lease Receivable
5/1/17            $91,000                 $7,280.80                 $4,191.14                                  $83,808.86
5/1/18            $83,808.86             $6,704.71                 $4,767.23                                  $78,746.34
4/30/19          $78,746.34             $6,299.71                 $5,172.23                                  $74,873.82
4/30/20          $74,873.82             $5,989.10                 $5,482.84                                  $70,400.08
4/30/21          $70,400.08             $5,632.01                 $5,839.93                                  $65,590.16
To record the signing of the lease agreement on May 1, 2017:
Date             Account Titles and Explanation           Debit           Credit
5/1/17            Lease Receivable                                     $91,000
                          Sales Revenue                                            $91,000
To record the lease payment on May 1, 2017:

Date             Account Titles and Explanation           Debit           Credit
5/1/17            Cash                                                           $4,000
                          Lease Receivable                                     $4,000
To record the lease payment on May 1, 2018:
Date             Account Titles and Explanation           Debit           Credit
5/1/18            Cash                                                           $4,000
                          Lease Receivable                                     $4,000
                          Interest Revenue                                          $6,704.71
                          Sales Revenue                                             $24,471.94

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a new life policy is being purchased, and the producer knows that an existing contract through a different insurer will be lapsed. this is an example of:

Answers

A new life policy is being purchased, and the producer knows that an existing contract through a different insurer will be lapsed. This is an example of replacement.

What is replacement?Replacement means to replace a card in the file at its previous location or policy .Common synonyms for replacement include replace, displace, and supersede. All of these words mean "to put away or put in place from their usual or suitable place", but to replace means something that is lost, ruined, or no longer usable, or It means to fill the place occupied by something that is no longer suitable. I replaced a broken window.These can be further subdivided into the following types: (i) Determining the useful economic life of a policy . (ii) replace existing assets with new assets; A simple probabilistic model for a fully failing policy (a spare due to sudden failure).Someone is doing the work for someone else, or you are using something in place of something else: The policy has sent a replacement for the dismissed secretary.

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If the current interest rate is below the equilibrium rate, the: A. supply of non-monetary financial assets is greater than the demand for them. B. demand for non-monetary financial assets is greater than the supply. C. Surplus of money will cause interest rates to rise. D. supply of money is greater than the demand. E. money market is in equilibrium.

Answers

If the current interest rate is below the equilibrium rate, the supply of non-monetary financial assets is greater than the demand for them.

What does it mean when interest rate is below the equilibrium rate?

Interest rate can be described as the cost of borrowing. It is the cost of accessing funds. When interest rate is below the equilibrium rate, it means that there is less money in circulation. As a result, the supply of non-monetary financial assets is greater than the demand for them.

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What is welfare loss or deadweight loss?

Answers

Welfare loss or deadweight loss refers to the inefficiency that arises when the market fails to allocate resources efficiently. It occurs when the production and consumption of goods and services in the economy are not optimized, leading to a loss of economic welfare.


When there is a market failure, the equilibrium price and quantity may not reflect the optimal level of production and consumption. This can occur due to externalities, public goods, market power, and imperfect information. The result is that some potential gains from trade are not realized, and resources are wasted.
Welfare loss is measured as the difference between the social surplus under the ideal conditions and the actual social surplus in the current market situation. This loss can be represented by a triangle that lies between the demand and supply curves, also known as the deadweight loss triangle.
Deadweight loss is a significant economic concept, as it highlights the costs of market inefficiency. The amount of welfare loss depends on the magnitude of the deviation from the efficient outcome and the elasticities of supply and demand. Policymakers can use this concept to design policies that mitigate market failures and reduce welfare loss.

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What is the main reason people do not budget? F. buyer remorse i. Straight Jacktet connotation k. ATM/debit card D. another one (wich one?) (Chapter 7 personal finance)​

Answers

The biggest reason people frequently don't budget is due to buyer's remorse.

What results in buyer's regret?

The feeling of regret after making a purchase is known as buyer's remorse. It frequently refers to the acquisition of an expensive item, such as a car or a piece of property. According to the notion, rising opportunity costs brought on by more options lead to buyer's remorse. Strong sentiments of dissonance and regret are produced by the compounding opportunity costs of alternative options.

What results in buyer's regret?

According to the notion, rising opportunity costs brought on by more options lead to buyer's remorse. Strong sentiments of dissonance and regret are produced by the compounding opportunity costs of alternative options.

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What percentage of students have strong critical skills? a. 34% b. 28% c. 70% d. 10%​

Answers

D is the correct answer

Ethical constraints allow companies to ______. A. Give employees bonuses b. Show employees trust c. Fire employees easily d. Excuse employee behavior Please select the best answer from the choices provided A B C D.

Answers

ask if go of do of go off

Answer:

its B

Explanation:

Match each concept in Column A with an example in Column B. Column A Column B a. Substitute goods 1. Price and quantity along the supply curve b. A nonprice determinant of demand 2. Tea and coffee c. A nonprice determinant of supply 3. A change in technology d. Mark-up pricing 4. Hunger e. Positive relationship 5. Shoes and shoelaces f. Negative relationship 6. Consumer income g. Inadequacy 7. Price and quantity along the demand curve 24 h. Complementary goods 8. Setting price equal to cost plus 20 percent

Answers

Answer:

a. Substitute goods - Tea and coffee

b. A nonprice determinant of demand - Consumer income

C. A nonprice determinant of supply -  A change in technology

D. Mark-up pricing - Setting price equal to cost plus 20 percent

E. Positive relationship -  Price and quantity along the supply curve

F. Negative relationship -  Price and quantity along the demand curve

G. Inadequacy - Hunger

H Complementary goods - Shoes and shoelaces

Explanation:

Substitute goods are goods that can be used in place of another good.

if the price of a good increases, the demand for the substitute increases and if the price of the good reduces, the demand for the substitute increases.

Complementary goods are goods that are consumed together

The demand curve is a curve that shows the relationship between price and quantity demanded. The demand curve is negatively sloped because the higher the price, the lower the quantity demanded. This is in line with the law of demand.

Only a change in the price of a good leads to a movement along the demand curve of that good. Also, only a change in the price of the good would lead to an increase or decrease in the quantity demanded of that good.

Other factors other than the change in the price of the good would lead to a shift of the demand curve. Some of those factors include :

1. a change in consumers' expectation

2. a change in the taste of consumers

3. a change in income

There is a positive relationship between price and the quantity supplied. This accounts for why the supply curve is positively sloped.

A change in price of a good leads to a movement along the supply curve and not a shift of the supply curve.

Other factors other than a change in the price of the good would lead to a shift of the supply curve. Such factors include :  

1. A change in the price of input  

2. A change in the number of suppliers  

3. Government regulations  

4. Technological changes

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