Paul is tired of sitting in the freezing minnesota winter and is considering insulating his home. it would cost him $4,000 this year to insulate, and the estimated reduction in his yearly fuel costs would be $350 per year. the insulation can be installed immediately and will require a maintenance expense of $1,000 exactly 15 years from today. assume the discount rate is 5%. paul plans to live in the house until he retires, 30 years from today, at which point he will sell the house and move to someplace warmer. he has already consulted a real estate agent for advice and was told that insulation will not add anything at all to the value of the house when it is sold. (a) calculate the present value of net benefits of insulation assuming that the benefits are realized at the end of each year. (b) calculate what the house will be worth 30 years from today with insulation. assume the benefits are realized at the end of each year. (c) what is the net present value of insulating the house today, allowing for both the reduction in costs and increased value of the house when sold? assume the benefits are realized at the end of each yea

Match the various steps in the creative process undertaken by the ad agency for developing the campaign for wpu, to the steps in young's model of the creative process. creative process in developing wpu's campaignyoung's modelafter intensive analysis of the data and several rounds of brainstorming, the agency executives decided to take a break from this project (the wpu campaign), and instead work on a different client's project before tackling the wpu project again. using a combination of animatics and storyboards, the ad agency conducted research with a representative sample of sixty target consumers to pretest the campaign theme and the creative execution. during a brainstorming session in the creative department, a copywriter's suggestion for a slogan for wpu was recognized as an excellent central idea that could drive the campaign for wpu. the account planning, account management and creative departments at the ad agency had a series of meetings and brainstorming sessions to discuss the creative brief and the results of all the primary and secondary research done with the target consumers. the account planning and the account management groups at the ad agency conducted primary research with a representative sample of the target segment and also studied secondary research data to gain insights required for the campaign development process.

There is a small, family-owned store that sells food and household goods in a small town. the owners have good relations with the community, especially with local farmers who supply much of the food. the farmers aren't organized into a cooperative or union, and the store deals with each individually. suppose the store wanted to buy some farms to control the supply of certain vegetables. how would you classify this strategic move? select one: a. horizontal integration b. forward integration c. backward integration d. concentric integration

Why are there so many types of diversion programs for juveniles