A firm is running 12 different ad campaigns in Brazil with a total budget of BRL 40 million (exchange rate: BRL 2.2517 per USD), but the campaigns do not appear to be effective. What would you recommend

BRL 40 million is $90.068 million in America.

For 12 different ads, that is an average of about $7.5 million per ad.

My recommendations will be to check the effectiveness of the marketing strategy and the general approach towards the ad campaigns. It might be necessary for the company to narrow down on the number of campaigns or increase the funding available for the ad campaign. Also, the effectiveness of the methods of ad campaign can be compared to that of similar firms that has been successful with their ad campaigns, and necessary can then be made.

answer; whoever is willing and able to pay the price;

credit history is used by lenders to determine whether you are a 'risky' person to give their money to.

having a short history provide very little data for the lenders. they wouldn't be able to determine your credit behavior from such a small samples. even if they are perfect.

having long credit history with few blemishes provide larger and more accurate data for the lenders to predict your credit behavior.