What Was One of the Factors That Caused the Saving-And-Loan

question 60

Multiple Choice

What was one of the factors that caused the saving-and-loan crisis in the late 1980s and early 1990s?

• A) There was excessive government regulation.
• B) Saving-and-loan institutions gave risky loans made on speculative real-estate ventures.
• C) Saving-and-loan institutions could not attract deposits.
• D) Saving-and-loan institutions were unable to compete with Internet banking.
• E) All of these choices

Grasp the concept of sociometer theory and its relation to self-esteem and exclusion.

Understand the mechanisms of coping and reaction to ostracism and rejection.

Distinguish between different social connection models and their significance.

Understand the concept and applications of Brewer's Optimal Distinctiveness Theory.

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Definitions:

Volume Variance

The difference between the expected volume of sales or production and the actual volume, which affects budgeting and operational planning.

Fixed Manufacturing Overhead

Fixed manufacturing overhead refers to the costs associated with production that do not vary with the level of output, such as rent for factory buildings, salaries of certain staff, and equipment depreciation.

Overhead Volume Variance

The difference between the budgeted and actual volume of production, affecting the allocation of fixed overhead costs.

Denominator Level

In cost accounting, it refers to the base level of activity or volume used to calculate fixed costs per unit.