explain in your own words what is check
Answers
In the finance industry, a check is a device that instruct a bank to transfer funds from the payor’s account to the person's account.
What is a check?It refers to a written, dated and signed instrument that is used to directs a bank to pay a specific sum of money to the bearer of the cheque. The person writing the check is known as the payor or drawer while the person to whom the check is written is the payee.
The common features of check include the date, the payee line, the amount of the check, the payor’s endorsement and a memo line; the types of checks include certified checks, cashier’s checks and payroll checks (paychecks).
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which stage in the consumer decision-making process results from the imbalance between actual and desired states?
Answers
The stage in the consumer decision-making process that results from the imbalance between the actual and desired states is the problem recognition stage.
The consumer decision-making process comprises five stages: problem recognition, information search, evaluation of alternatives, purchase decision, and post-purchase evaluation. When consumers realize that there is a discrepancy or a gap between their actual and desired state of being regarding a product or service, they experience a problem. This realization of a problem constitutes the first stage, the problem recognition stage.
The problem recognition stage prompts the consumer to actively search for information and evaluate alternatives to address or solve the identified problem. It is crucial to note that problems that create this imbalance between the actual and desired state can derive from either internal stimuli or external stimuli. Internal stimuli are arising from changes in one's physical state of being, emotions, thoughts, or perceptions, while external stimuli originate from the environment.
For example, a person's desire for new clothing or accessories might occur after seeing an ad on social media (external stimulus) that features a new fashion trend. The individual might realize that they lack the right items to pull off the desired look (actual state) and feel the need to purchase new items to satisfy the desire (desired state), prompting problem recognition.
In conclusion, the stage in the consumer decision-making process that results from the discrepancy or gap between the actual and desired state of being is the problem recognition stage. This stage initiates the consumer's active search.
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The factors cited by the textile industry’s decision to locate manufacturing facilities in countries other than the United States include _____.
improved trade policies
increased domestic energy costs
cheaper labor
lower transport costs
Answers
Answer:
cheaper labor
Explanation:
Until the recent past, cotton production was labor-intensive. Factories needed to hire many casual laborers to assist them in the production process. The US has always had a minimum wage policy. Because the factories had to adopt the minimum wage policy, the labor expense became unsustainable. Cotton factories had to relocate to other countries such as China, where labor was affordable.
Answer:
cheaper labor
Explanation:
The materiality concept states that a company must O A. report only such information that enhances the financial position of the company O B. use the same accounting methods and procedures from period to period О С. report enough iformation for outsiders to make inowledgeable decisions ibor he company O D. perform strictly proper accounting only for significant items
Answers
The materiality concept states that a company must
C. report enough information for outsiders to make knowledgeable decisions about the company.
What does the action mean?This means that companies are required to disclose information that is significant or relevant to the users of financial statements, while omitting or minimizing information that is immaterial or insignificant.
The concept recognizes that including excessive detail in financial statements can be burdensome and potentially misleading, so companies focus on reporting information that is material in influencing the decisions of users such as investors, creditors, and other stakeholders.
The materiality concept allows companies to exercise judgment in determining what information is relevant and significant to be disclosed in their financial statements.
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There is a dollar sale on neckties. You buy 10. Estimate your consumer surplus if you would have been willing to pay $10 for the first tie, $9 for second, $8 for the third, and so forth.
A reasonable estimate of your consumer surplus from the ten ties is
Answers
Answer: 45
Explanation: I just answered it and got it correct
10+9+8+7+6+5+4+3+2+1= 55
Subtract 10 = 45 Total
10 is the $1 dollar difference times the ten items
Answer:45
Explanation:
Can someone please reading this and tell me if it sounds good so far, thanks!
Answers
It actually isn't bad; I would take out the freshman year sentence though.
Hall, a divorced person and custodian of her 12-year-old child, filed her 2021 federal income tax return as head of a household. She submitted the following information to the CPA who prepared her 2021 return: The divorce agreement, executed in 2016, provides for Hall to receive $3,000 per month, of which $600 is designated as child support. After the child reaches 18, the monthly payments are to be reduced to $2,400 and are to continue until remarriage or death. However, for the year 2021, Hall received a total of only $5,000 from her former husband. Hall paid an attorney $2,000 in 2021 in a suit to collect the alimony owed. In June 2017, Hall's mother gifted her 100 shares of a listed stock. The donor's basis for this stock, which she bought in 1985, was $4,000, and market value on the date of the gift was $3,000. Hall sold her stock in July 2017 for $3,500. The donor paid no gift tax.During 2017, Hall spent a total of $1,000 for state lottery tickets. Her lottery winnings in 2017 totaled $200.Hall earned a salary of $25,000 in 2017. Hall was not covered by any type of retirement plan, but contributed $2,000 to an IRA in 2017.In 2017, Hall sold an antique that she bought in 1995 to display in her home. Hall paid $800 for the antique and sold it for $1,400, using the proceeds to pay a court‐ordered judgment.Hall paid the following expenses in 2017 pertaining to the home that she owns: realty taxes, $3,400; mortgage interest, $7,000; casualty insurance, $490; assessment by city for construction of a sewer system, $910; interest of $1,000 on a personal, unsecured bank loan, the proceeds of which were used for home improvements. Hall does not rent out any portion of the home. Hall's $2,000 contribution to an IRA should be treated as
a. A deduction from adjusted gross income not subject to the 2% of adjusted gross income floor.
b. A deduction from adjusted gross income subject to the 2% of adjusted gross income floor.
c. An adjustment to income in arriving at adjusted gross income.
d. Non-deductible, with the interest income on the $2,000 to be deferred until withdrawal.
Answers
The $2000 contribution to an IRA should be treated as an An adjustment to income in arriving at adjusted gross income.
The reason Hall has to go with this option
The individuals that are not in a retirement plan of a company have the option of deducting their cash contributions to their own retirement accounts.
They are able to do this given that the money is 6000 dollars or a hundred percent of their gross income.
Taxes are not paid on interest in this type of account till the earnings from the retirement plan is distributed.
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T/F: a company that can build a project that will cost $50,000, but returns $52,000 in one year would make a good decision by turning this project down if the interest rate were 3 percent.
Answers
False. A company should consider the net present value (NPV) of the project, which takes into account the time value of money and the cost of capital.
If the NPV is positive, it means the project is expected to generate more value than its cost. In this case, assuming the interest rate of 3 percent is the cost of capital, the NPV would be positive and the company should accept the project. The decision should not be based solely on the immediate return on investment, but rather on the long-term value it can bring to the company. A company considering a project costing $50,000 with a return of $52,000 in one year should compare this return to the potential return of investing the funds at the given interest rate of 3%. If the company invested $50,000 at a 3% interest rate for one year, it would earn $1,500 ($50,000 x 0.03) in interest, bringing the total to $51,500. The project's return of $52,000 is higher than the interest earned on the investment. However, the company must also consider factors such as risk, opportunity cost, and resource allocation before making a decision.
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the market risk component of the total portfolio risk can be reduced by randomly adding stocks to the portfolio.
a. true b. false
Answers
The given statement "the market risk component of the total portfolio risk can be reduced by randomly adding stocks to the portfolio" is False because adding random stocks to a portfolio will not effectively reduce the market risk component of the total portfolio risk.
Market risk refers to the risk that an investment's value will decrease due to changes in the market. In other words, if the market as a whole goes down, the value of an investment in that market will go down as well. This is because most investments are tied to the performance of the market as a whole. If you add random stocks to a portfolio, you may be diversifying the portfolio, but you are not necessarily reducing the market risk component of the total portfolio risk.
To reduce market risk, you need to add stocks that are not closely tied to the performance of the market. These could include stocks from different sectors or industries or stocks that are impacted by different factors than the broader market. By adding these types of stocks to a portfolio, you can reduce the market risk component of the total portfolio risk. In summary, randomly adding stocks to a portfolio will not effectively reduce the market risk component of the total portfolio risk. Instead, you need to carefully select stocks that are not closely tied to the performance of the market in order to reduce this risk.
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To which level of granularity does the O*NET OnLine database sort its information?
Answers
The O*NET OnLine database is known for its vast collection of occupational information that is designed to help job seekers, students, and employers make informed decisions about careers.
At the highest level, O*NET groups related occupations into 24 major categories, such as Management, Healthcare, and Construction. These categories are then further divided into more specific subcategories, such as Marketing and Sales or Personal Care and Service.
At the next level of granularity, O*NET provides detailed information on individual occupations, including job tasks, skills, and knowledge required for the job, as well as the level of education and experience typically required. This information is updated regularly and provides a comprehensive overview of each occupation.
Additionally, the O*NET database also offers information on industries, job outlook, and wage data. This information is organized to provide a clear understanding of the job market and the opportunities available to job seekers and employers alike.
Overall, the O*NET OnLine database provides detailed information on a variety of career options, allowing users to explore their interests and identify potential career paths with the level of granularity that suits their needs.
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cash budgets normally cover a one-year period and show projected cash inflows and outflows for each month.
true
false
Answers
The given statement is true as this enables companies to plan and manage their cash resources effectively.
A cash budget is a financial planning tool that helps businesses forecast their cash inflows and outflows over a specific period, which is usually one year, broken down into months. Cash Inflow portrays the pay that is all brought to your business through its exercises any system to carry benefits into the business. Cash Surge incorporates any obligations, liabilities, and working costs-any measure of assets leaving your business
Thus, "Cash budgets normally cover a one-year period and show projected cash inflows and outflows for each month".
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Which of the following are qualities of successful business
writing? Check all that apply.
Concise and to the point
Focused on conveying the needs of the writer
Entertaining
Purposeful
Following a sys
Answers
Business writing is a formal writing style that communicates information accurately and concisely to a target audience. Business writing can take the form of a variety of documents like memos, emails, reports, proposals, and letters, all of which have different purposes.
The language used must be clear, and the writer must avoid using jargon, technical language, or complicated sentence structures that make the writing difficult to understand. Purposeful - Business writing must be purposeful and have a specific objective. It should communicate information in a way that is easy to understand and actionable. Following a systematic approach.
The writing should be tailored to the reader's level of understanding, background knowledge, and interests. It should provide information that is relevant, timely, and useful to the reader. These qualities help ensure that the writing is clear, concise, and effective in communicating information to the target audience in more than 120 words.
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Somebody help I'll give 30 points
Answers
Answer:
1. Salesforce helps their people feel good by giving back to the community. They also offer great challenges and rewards, and have open communication culture.
2. Cisco offers good benefits that focus on family and enabling people to combine parenthood with their jobs. It’s also a great place to learn and develop professionally.
3. Admiral allows people to give back to the community through charity. They have built a strong sense of belonging and believe in the importance of having fun so people bring their best to work.
Explanation:
Answer:
Happy meal wih a mcdoobale
Explanation:
What are two ways stock ownership builds wealth?
Answers
Answer:
Display Slide 7. Use the information below and on the graphic to discuss the two potential financial rewards for owning stocks—stock appreciation and dividends. Reference the newspaper graphic to explain stock appreciation. When an investor owns stock and the price of that stock rises, net worth increases.
Explanation:
Answer:
Display Slide 7. Use the information below and on the graphic to discuss the two potential financial rewards for owning stocks—stock appreciation and dividends. Reference the newspaper graphic to explain stock appreciation. When an investor owns stock and the price of that stock rises, net worth increases.Explanation:
The W-4 form lets...
A.) you know how much you paid in taxes last year
B.)your employer know how much to withhold from your paycheck
C.) the government know how much you paid in taxes last year
D.) the 3 major credit bureaus know how many dependents you have
Answers
Answer:
b
Explanation:
you fill it out so the employer knows what to with hold from your check
Which companies or organizations keep track of your borrowing history?
Credit bureaus
Your financial institutions
The IRS
The Department of Consumer Affairs
Answers
Answer: Credit Bureaus
Explanation:
Credit Bureaus collate the lending history details of people so that lenders can access this information in case people want to borrow money from the lending institutions.
The kind of data that credit bureaus collect is pretty extensive in nature and covers everything from loans that were paid and unpaid to loans that were applied for but never approved. Even court judgements can appear in such data as well as contact addresses.
Write a three- to five-sentence paragraph that defines economics. Based on your definition, explain why it is difficult to consider economics an exact science. You may want to consider how economists approach economics to help you explain your answer.
Answers
Answer: See explanation
Explanation:
Economics is referred to as a social science that is concerned with how goods are produced, how they're distributed and how they're consumed. Economics is the social science that studies why human beings behave the way that they do.
It is difficult to consider Economics as a science because it lacks a hypotheses that's testable. Also, there is lack of consensus and the scientific method is not followed in Economics.
How much is 200 Pound (GBP) in US Dollars
Answers
The rate of 200 Pound (GBP) in US Dollars is affected by various factors such as economic news, political events, and even global events. For example, the Brexit vote in 2016 had a negative impact on the exchange rate of Pound Sterling to US Dollars, causing the rate to drop.
It's a great question to ask, and it's important to know when you are dealing with different currencies. The current exchange rate for 200 Pound (GBP) in US Dollars is around 267.04. This rate is constantly changing, so it's important to keep an eye on it if you plan to make conversions between the two currencies.
The exchange rate is determined by the global demand and supply of each currency. When more people are buying US Dollars than Pound Sterling, the exchange rate goes up, and vice versa. This is why it's important to keep an eye on the exchange rates if you're dealing with different currencies.
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which of the following can impact your credit score
The number of times you choose credit when given the choice between debit and credit at a register
you’re a debit to credit ratio
if you buy items at full price or at a discounted price when using credit
Types of items you’re buying using credit
Answers
Answer: B. your Debt to Credit ratio
Explanation:
Your debt to credit ratio is important to lenders because it shows whether you spend wisely when given debt.
Debt to credit is measured as the percentage of debt you have given your credit limit. If for instance you have a credit card limit of $50,000 and have debt of $10,000, your debt to credit ratio is:
= 10,000/50,000 * 100
= 20%
Generally the lower this ratio, the better the contribution to your credit score.
Jessica invested her savings in two investment funds. The amount she invested in Fund A was $8000 less than the amount she invested in Fund B. Fund A returned a 2% profit and Fund B returned a 8% profit. How much did she invest in Fund B, if the total profit from the two funds together was $2140
Answers
Answer:
23,000
Explanation:
Jessica invested her savings in two investment funds
The amount that she invested in fund A was $8000 than the amount invested in fund B
A + B = -8000.......... equation 1
Fund A returned 2% profit and fund B returned 8% profit
2/100= 0.02 , 8/100= 0.08
0.02A + 0.08B= 2140.............equation 2
From equation 1
A -B= -8000
A= -8000+B
Substitute -8000-B for A in equation 2
0.02(-8000+B) + 0.08B= 2140
-160+0.02B + 0.08B= 2140
-160 + 0.1B= 2140
Collect the like terms
0.1B= 2140+160
0.1B= 2300
B= 2300/0.1
B= 23,000
From equation 1
A-B= -8000
A= -8000+B
Substitute 23,000 for B
A = -8000+23000
A= 15,000
Hence Jessica invested 23,000 in fund B
You are a trainee sales manager with a retailing firm. Visit professional websites and discussion forums to find out how managers resolve problems related to transactions including cash, checks, debit cards, credit cards, discounts, layaway, Cash on Delivery, returns, gift certificates, and automatic fee withdrawals. You may also want to meet up with and talk to a store professional during their break times and seek input in person. Also, explain the technique to make change in counter transactions correctly.
Answers
Managers resolve transaction-related issues including cash, checks, debit cards, credit cards, discounts, deposits, cash on delivery, returns, gift cards and automatic fee withdrawals based on company policy.
Importance of company policy for decision makingThe organizational policy must be shared with all employees in a clear and objective way, in order to be a guide for behavior in the organization.
It will include the norms and rules to be followed in each organizational situation.
Considering Starbucks as the company of our research, through its website we can see that there is a guide with the terms and conditions for using the Starbucks card.
Therefore, each rule must be clearly exposed to stakeholders, and each issue related to financial transactions exposed in pre-established legal documents, in order to be a protection for the organization and for the clients.
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what is 4/8 = ??????????????????????
Answers
Answer:
4/8 is equivalent to 1/2
Explanation:
Hope it helps a lot :]
Answer:
4 divided by eight? if this is the question then the answer is 1/2
Explanation:
let me know if that was what you were asking
On a global scale, the implementation of the types of policies that Rivett-Carnac advocated for in the passage is most significant in that it directly led to the?a. dramatic increase of migrants from colonial societies to imperial metropolesb. growth of nationalist movements in colonial societies against imperial rulec. increased influence of liaises-faire economic philosophies among nationalist leaders in colonial societiesd. growth of labor union membership among colonial populations
Answers
Generally speaking, policy implementation refers to a set of actions conducted by the government and others to fulfil the aims and objectives outlined in policy pronouncements.
What are the models of policy implementation?The advantages and disadvantages of five deductive models of policy implementation are discussed. The logical, managerial, organisational development, political, and bureaucratic process models are thought to provide precise and more complex explanations of how policies are implemented.The policy-making process is typically thought of in terms of a series of steps or stages. These include the following: (1) problem emergence; (2) agenda formulation; (3) policy option consideration; (3) decision-making; (5) implementation; and (6) evaluation (Jordan and Adelle, 2012).Prepare, Plan, Design, Validate, and Deploy are the five steps that make up the implementation methodology. For the purpose of progressing to the following stage, each stage is divided into a number of segments, each of which contains a different set of inputs, tools, procedures, and deliverables.To learn more about implementation refer to:
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why economic environment is important?
Answers
Answer:
The economic environment consists of external factors in a business market and the broader economy that can influence a business. You can divide the economic environment into the microeconomic environment, which affects business decision making - such as individual actions of firms and consumers - and the macroeconomic environment, which affects an entire economy and all of its participants. Many economic factors act as external constraints on your business, which means that you have little, if any, control over them.
" i took it from my book, nvm "
Explanation:
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T/F : an option contract is terminated upon the death of the offeror.
Answers
True. An option contract is terminated upon the death of the offeror. This is because an option contract is a legally binding agreement between two parties, where the offeror grants the offeree the right, but not the obligation, to buy or sell an asset at a predetermined price and within a specific time period.
Since the offeror is the party who initiates the contract, their death means that they are no longer able to fulfill their obligations under the agreement. As a result, the contract becomes null and void, and the offeree no longer has the right to exercise the option.
However, if the offeree has already exercised the option before the offeror's death, the contract will remain valid and enforceable.
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Review your states guidelines and regulations pertaining consumer loans and credit. And a 500 word report, describe how they compare to the federal laws. Tennessee.
Answers
Answer:
Texas state laws are highly concerned with third-party collection agencies hassling consumers. State laws require that debt collectors prove they are bonded and licensed to collect delinquent funds. A debt collector must validate or prove it is the legitimate owner of a debt and provide the consumer with specific information about the debt. The Texas finance code states that collection agencies must tell you the name of the original creditor, the original date of default or non-payment, the date the debt was transferred from the original creditor to the third-party debt collector, and the original balance and current balance. If the debt collector refuses to provide the information, state law views it as an admission of inaccurate debt collection. The consumer then has the right to have all debt collection efforts stop and to have the debt permanently removed from any consumer credit reports. The debt collector must be bonded in the state of Texas and have legal authority to collect fees, interest, and expenses. Texas offers programs to monitor credit reports, help repair credit history, and make payment plans.
While federal credit and loan laws are more concerned with fair and accurate business practices, Texas state law is more concerned about debt collection by third parties and repairing credit history. It indicates that when it comes to credit and loans, the biggest problems Texans experience are high debt, debt collections, and poor credit ratings. Texas is less concerned with fair credit practices by creditors and more concerned with how to keep its consumers from defaulting on loans. They also seem to be concerned with fraudulent collection agencies going after consumers and with false financial information being placed on consumer credit reports. The Fair Credit Reporting Act tells consumers to alert CRAs to investigate disputed claims, and the CRAs then have 30 days to investigate a claim and determine if it is inaccurate, incomplete, or unverifiable. In Texas, the state advises consumers to contact the collection agency and request information to validate the collection. Texas gives the collection agency 30 days to respond. If the collector doesn’t respond, the case must be removed, if the agency does respond, the debt is considered legitimate. The state does not refer to CRAs at all.
The state’s website does address identity theft, which can lead to fraudulent use of credit. Texas recommends its citizens invest in an identity protection plan for $10 a month. It also encourages people to invest in a credit report service for $14.95 a month. The Fair and Accurate Credit Transactions Act advises people that they have the right to access three free credit reports a year. The act also states that consumers have the right to have their account flagged by CRAs in the event of identity theft. Texas does not mention any of these rights and services. However, the state provides a lot of links and pages advertising businesses that consumers can pay to help them with credit history and identity theft. The state does not alert people to any free rights and services guaranteed by federal law.
Explanation:
PLATO
Expanding Access to Capital for Rural Job Creators Act.
Answers
The Expanding Access to Capital for Rural Job Creators Act would require the Securities and Exchange Commission to submit an annual file on the capital challenges rural small groups face and enable Congress to decide if legislative action is needed.
Expanding Access to Capital for Rural Job Creators Act.U.S. Congressman Henry Cuellar’s (D-TX-28) bipartisan Expanding Access to Capital for Rural Job Creators Act handed in the House of Representatives. Congressman Alex X. Mooney (R-WV-2), Congressman Chris Pappas (D-NH-1), and Congresswoman Teresa Leger Fernandez (D-NM-3) co-sponsored the Act to survey the issues small groups in rural areas face when attempting to get right of entry to capital.
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Suppose you buy a $100 government bond that is due next year. How much nominal interest will you receive if inflation is 4 percent over the year and the bond promises a real return of 3 percent
Answers
Answer:
Nominal rate of return= 7.12%
Explanation:
Inflation is the increase in the price level. It erodes the value of money.
Nominal interest is that quoted for investment or loan transactions. It has not been been adjusted for inflation.
Real interest rate is the amount of interest in terms of the the quantity of good and services that can be purchased. It is the nominal interest rate adjusted for inflation.
The relationship between inflation, real interest and nominal interest rate is given using the Fishers Effect;
N = ( (1+R) × (1+F)) - 1
N- nominal rate, R-real rate, F- inflation
Nominal rate of return =(1.03)× (1.04) - 1 =0.0712
Nominal rate of return = 0.0712 × 100 = 7.12%
Nominal rate of return= 7.12%
selling distribution and account management is very important for flower cultivation justify it ...! help meeeeee
Answers
All of the above are very important to flower cultivation as they either provide an incentive for it or make the cultivation more effective.
Importance of Selling, Distribution, and Account ManagementSelling - selling flowers provides an incentive to flower farmers to cultivate more flowers. It also provides them with funds to do so. Distribution - this aids in the selling of the flowers as it links farmers to buyers thereby providing them with funds. Account management - this allows farmers and those on the sell side of the business to properly manage the entire process of flower cultivation thereby making it more effective.In conclusion, selling, distribution, and account management are all important to flower cultivation.
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I am MrBeast and if you can guess what number I am thinking of between 1 and 100 I will give $10,000. Comment or answer.
Answers
Answer:
58
ohhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh
it's fake
This is fake!!! It's not even the real MrBeast!!
A network security device that monitors incoming and outgoing network traffic and decides whether to allow or block specific traffic based on a defined set of security rules.
Answers
Answer:
Firewall.
Explanation:
Firewall can be defined as a network security device that monitors incoming and outgoing network traffic and decides whether to allow or block specific traffic based on a defined set of security rules.
Simply stated, a firewall is a network security protocol that monitors and controls inbound and outbound traffic based on set aside security rules.
A firewall is used to control access to a computer or network, as it creates a barrier between a computer or a network and the internet in order to protect against unauthorized access.
Basically, it is a network security device or security system pre-installed on most computers to essentially inspect data being transmitted to or from a computer.
Hence, firewalls are typically bidirectional, it checks all sent and received data and only allow authorized traffic through.
Answer:
Firewall.
Explanation:
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