i work for First National Bank of Omaha. First National’s Credit Card division is placing a lot of focus on “Innovation” for 2010. With all the government law changes, the banks profit margins are being squeezed. So First National is encouragin everyone to think innovative every day. With this effort, employees may be rewarded for ideas, process changes, etc that help improve the profit margin or reduce expenses.
So what i am hoping, is for all of you to think innovatively about credit cards and your habits involving them.
Some ideas that may help spark your thoughts:
- Changing the design/look of the card to better entice customer loyalty
- Many cards have reward options such as frequent flier miles, cash back, discount on gas pump price, reduced interest of fees for good behaviors. What would entice you to use a card?
-new laws are affecting interest rate increases, late fees, over the limit fees, annual fees, etc. Can you think of other measures that help create more income or reduced expenses?
PLEASE HELP ME. I NEED A QUICK ANSWER PLEASE!!!!!!!! ANYONE WHO CAN, PLEASE GIVE ME SOME TIPS!!!!!!!!
THANK YOU SO MUCH TO ANYONE WHO ANSWERS!!!!!!

2. Which of the following issues challenged George Washington and the new nation during his presidency?
Eliminating political parties that had developed during the Constitutional Convention
Building a fleet of ships to protect the coast
Putting the nation’s finances in order
Choosing and sending ambassadors to Europe
3. What did the Louisiana Purchase achieve for the United States?
It doubled the size of the country and provided control of the Mississippi River.
It prevented a western attack on the United States by Spain.
It improved relations with England and Canada and prevented Indian invasions.
It stimulated the economy and strengthened the alliance with France.
4. Which is a true statement about John Adams?
He hand-picked Thomas Jefferson to succeed him.
He opposed having Maine become a state.
He favored laws restricting the rights of immigrants.
He asked George Washington to become his secretary of state.
5. What laws did the Virginia and Kentucky Resolutions oppose?
The 12th and 13th Amendments to the Constitution.
The Ordinances of 1785 and 1787
The Alien and Sedition Acts
The Judiciary Acts of 1789 and 1792
6. Which were elements of Alexander Hamilton’s financial plan for the United States?
Creating a national bank, reducing the national debt, and promoting loyalty to the federal government
Collecting taxes from the states, trading with England, and increasing cotton production
Promoting loyalty to the states, reducing the deficit, and building the military
Creating state banks, minting new money, and establishing tariffs
7. Hamilton’s financial plan called for which of the following?
Selling savings bonds to citizens
Raising money by asking for foreign aid
Having the states assume the national debt
Paying off the national debt gradually
8. What were the key points of George Washington’s Farewell Address?
The strength of agriculture, the need for Congress, and the importance of states’ rights
The power of the Bill of Rights, the need for strong leadership, and the benefit of taxes
The need for military strength, the importance of the presidency, and the power in foreign alliances
The importance of neutrality, the danger of political parties, and the need for federal unity
9. Which statement describes the views of the Democratic-Republican Party?
There should be a strong federal government.
Ordinary citizens cannot be trusted with political power.
Powers not expressly given to the federal government belonged to the states.
The Supreme Court should have jurisdiction over the legislative branch.
10. What is another name for the first 10 amendments to the Constitution guaranteeing individual freedoms?
Declaration of Individual Rights
Citizen Responsibilities and Privileges
American Rights and Duties
Bill of Rights
11. Who became the president in the election of 1800?
John Adams
Aaron Burr
Alexander Hamilton
Thomas Jefferson
13. Which of the following became states out of land acquired by the Louisiana Purchase?
Mississippi, Illinois, Alabama, Missouri
Texas, Louisiana, Tennessee, Kentucky
Minnesota, Colorado, Oklahoma, Arkansas
Wisconsin, Indiana, West Virginia, Iowa
14. Which of the following are related to the War of 1812?
The creation of a national bank, a treaty with Canada, and the growth of Congress
The Battle of New Orleans, the burning of Washington, and “The Star-Spangled Banner”
The election of Madison, the formation of the navy, and an alliance with France
The Spanish Cession, the Era of Good Feelings, and the invention of the cotton gin
15. What did Dolley Madison do when the British attacked Washington, D.C. during the War of 1812?
She persuaded the British soldiers to have dinner with her and talked them out of damaging the president’s house.
She sent her husband away and dared the British soldiers to enter the president’s house.
She rescued valuable items from the president’s house, including a famous portrait of George Washington.
She entertained the British soldiers so that the American troops could surround the president’s house and capture them.
16. How was slavery related to the economy of the early nineteenth century?
Northern textile manufacturers would only buy cotton grown by slaves.
The military relied on slaves to produce uniforms and other materiel for combat.
European customers refused to buy goods produced using slave labor.
South

1- Which of the following scenarios best describes an operational decision for an auto manufacturer?
A. Building a new assembly facility overseas to capture greater market share
B. Establishing a quality control program to build customer satisfaction and brand loyalty
C. Hiring and training welders to meet an annual production target
D. Diversifying the product line by acquiring a computer chip manufacturer
-Use the following information to answer question 2
Lil Chicken Farm calculates predetermined overhead rates for each department using the number of pens as the cost driver. In the feeding department, total overhead costs were $4,410 in 20×7, and are expected to total $5,060 in 20×8. There were 420 pens
in 20×7 and plans for 460 pens in 20×8.
2-If the actual number of pens in 20×8 was 450 and actual overhead was $5,000, what was the amount of under- or overapplied overhead?
A. $50 underapplied C. $422.50 overapplied
B. $275 underapplied D. $684.50 overapplied
Use the following wage and salary expense information for a dress shop to answer question 3
Machine operators $200,000
Quality control supervisors $100,000
Fabric cutters $75,000
Factory janitor $18,000
Company president $150,000
3-What is the amount of indirect labor incurred?
A. $75,000 C. $250,000
B. $118,000 D. $543,000

1- Which of the following scenarios best describes an operational decision for an auto manufacturer?
A. Building a new assembly facility overseas to capture greater market share
B. Establishing a quality control program to build customer satisfaction and brand loyalty
C. Hiring and training welders to meet an annual production target
D. Diversifying the product line by acquiring a computer chip manufacturer
-Use the following information to answer question 2
Lil Chicken Farm calculates predetermined overhead rates for each department using the number of pens as the cost driver. In the feeding department, total overhead costs were $4,410 in 20×7, and are expected to total $5,060 in 20×8. There were 420 pens
in 20×7 and plans for 460 pens in 20×8.
2-If the actual number of pens in 20×8 was 450 and actual overhead was $5,000, what was the amount of under- or overapplied overhead?
A. $50 underapplied C. $422.50 overapplied
B. $275 underapplied D. $684.50 overapplied
Use the following wage and salary expense information for a dress shop to answer question 3
Machine operators $200,000
Quality control supervisors $100,000
Fabric cutters $75,000
Factory janitor $18,000
Company president $150,000
3-What is the amount of indirect labor incurred?
A. $75,000 C. $250,000
B. $118,000 D. $543,000