Winners of the Georgia Lotto drawing are given the choice of receiving the winning amount divided equally over 21 years or as a lump-sum cash option amount. The cash option amount is determined by discounting the annual winning payment at 5% over 21 years. This week the lottery is worth $24 million to a single winner. What would the cash option payout be?

Used cars usually have options: higher depreciation rate than new cars lower financing costs than new cars lower insurance premiums than new cars lower maintenance costs than new cars

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You work as the sales manager for a company that sells office supplies to businesses of all sizes. because the profit margins are razor-thin, you need to ensure that you are getting the very best prices on paper, pencils, pens, post-it notes, and other office supplies from the manufacturers. when reviewing the quarterly profit statement, you realize that your costs are higher than they should be, and you trace the higher costs back to an employee who has been lax about getting competitive bids to ensure the lowest prices. when you conduct your research to determine the reason for the higher costs, and take action to bring those costs back down, in which of the key management processes are you taking part?