Many customers who use online banking facilities are reluctant to change banks because of the effort it would take to change automatic and online payment settings. The process involved is cumbersome and requires time and effort to cancel old accounts and set up new ones. The costs associated with such liabilities that explain the customers' reluctance to change banks are referred to as .

Your mother's well-diversified portfolio has an expected return of 12.0% and a beta of 1.20. she is in the process of buying 100 shares of safety corp. at $10 a share and adding it to her portfolio. safety has an expected return of 15.0% and a beta of 2.00. the total value of your current portfolio is $9,000. what will the expected return and beta on the portfolio be after the purchase of the safety stock?

Overspeculation and a decrease in consumer confidence are both leading factors of: ?

For each example identify the most appropriate ctso