According to the Agile Manifesto, placing people and interactions above processes and tools is the most important value.
How does a manifesto work?manifestos, often known as manifestos in plural. a written statement that makes the intentions, motivations, or opinions of its creator public. The group's worldview placed a strong emphasis on putting an end to violence and helping the disadvantaged.
Why is a manifesto required?A personal manifesto will help you establish your beliefs, synthesise your learning, and articulate your best behaviours by helping you to externalise internal thoughts and feelings.
According to the Agile Manifesto, placing people and interactions above processes and tools is the most important value.
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Select the correct answer. Shelby is in a college course for half the day and then goes to high school. What program is she in? a. International baccalaureate b. Advanced placement c. Dual credit d. Articulated credit.
Shelby is in a college course for half the day and then goes to high school. What program is she in
The correct option is C Dual Credit
What does Texas dual credit mean?
How does dual credit work? An qualified high school student who successfully completes a college course or courses that are linked with a high school course required for graduation will receive credit for the course on both their high school and college transcripts under the dual credit system. 28.009 of the Texas Education Code (TEC)How does double credit work?
Through dual credit programs, secondary students can receive college credit for high school courses they take. Continue reading to discover more about dual credit and the various choices accessible to students wishing to earn credits prior to entering college.
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How does an agile team maintain obtain clarity on backlog items?
4) The team meets with the product owner for a backlog refinement session each iteration to clarify which backlog items will be selected for subsequent iterations.
How does an agile team keep requirements up to date?In a backlog, the agile teams keep track of their requirements. Product Backlog Items (PBI) are the items that are stored in it in Scrum and are referred to as such. Functional requirements, non-functional requirements, enhancements, change requests, or defects are all examples of these items.
When it comes to iteration, how does the team know what to work on?During iteration planning, the team discusses with the product owner who should work on what and decides who should.
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Full Question = How does an agile team obtain clarity on backing items that may be picked up in upcoming iterations? (1 correct answer)
1. During iteration planning, team discusses backlog items for both current and upcoming iterations.
2. Product Owner and Facilitator detail out the backlog items planned for upcoming iterations.
3. There is no need to obtain clarity on backlog items for upcoming iterations in advance.
4. During every iteration, team has backlog refinement session with the Product Owner for gaining clarity on the backlog items to be picked up in upcoming iterations.
a stock has an expected return of 11.5 percent, its beta is .90, and the risk-free rate is 5.75 percent. what must the expected return on the market be? (do not round intermediate calculations and enter your answer as a percent rounded to 2 decimal places, e.g., 32.16.)
We will enter these numbers into the equation to determine the risk free rate since we are aware of the values for r, Beta, and rM. 6.50% is the risk-free rate.
How to find the calculation?The minimum return that investors demand or expect on a stock based on the stock's systematic risk, as indicated by the beta, is known as the needed rate of return. The CAPM equation can be used to determine the anticipated or necessary rate of return for a stock.The formula is,r = rRF plus Beta * (rM - rRF)
Where,
The risk-free rate is rRF.
The return on market (rM)
We will enter these numbers into the equation to determine the risk free rate since we are aware of the values for r, Beta, and rM.
Make the risk-free rate x.
0.135 = x + 1.4 * (0.115 - x) (0.115 - x)
0.135 = x + 0.161 - 1.4x
0.135 - 0.161 = x - 1.4x
-0.026 = -0.4x
-0.026 / -0.4 = x
x = 0.065 or 6.50%
r = 0.1475 or 14.75%.
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SkyChefs, Inc., prepares in-flight meals for a number of major airlines. One of the company’s products is grilled salmon in dill sauce with baby new potatoes and spring vegetables. During the most recent week, the company prepared 5,600 of these meals using 2,700 direct labor-hours. The company paid its direct labor workers a total of $21,600 for this work, or $8.00 per hour. According to the standard cost card for this meal, it should require 0.50 direct labor-hours at a cost of $7.50 per hour.Required:1. What is the standard labor-hours allowed (SH) to prepare 5,600 meals?2. What is the standard labor cost allowed (SH × SR) to prepare 5,600 meals?3. What is the labor spending variance?4. What is the labor rate variance and the labor efficiency variance?
1. The standard labor-hours allowed to prepare 5,600 meals is 2,800 hr.
2. The standard labor cost allowed to prepare 5,600 meals is $21,000.
3. The labor spending variance is $600 .
4. The labor rate variance is $1,350.
5. The labor efficiency variance is $750 .
a) Standard labor-hours allowed (SH) to prepare 5,600 meals
standard labor-hours =Actual output X standard direct labor hours
5,600 X 0.50 = 2,800hours
b) standard labor cost allowed
direct labor-hours per hour = $7.50
standard labor-hours = 2,800
standard labor cost =direct labor-hours per hour standard labor hours
= $7.50 x 2,800= $21,000
c) labor spending variance= Actual cost incurred - Standard Labor cost
= 21,600 - 21,000= 600 -- Which is unfavorable because the actual is cost is greater than the standard labor cost
d) the labor rate variance and the labor efficiency variance?
labor rate variance= (Actual rate - standard rate ) X Actual hours
($8.00 -$7.50) * 2,700= $1,350
Labor efficiency variance=(Actual hrs - standard hrs allowed) x standard rate
(2,700- 2,800) * $7.50= $750 --- Favourable as the actual hours used is less than the standard hours .
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Outsourcing is used when:
a. The project has a project manager who can coordinate vendor efforts
b. There is a desire to build in-house skills
c. In-house functional and technical skills exist
d. The business need is not core to the business
e. None of the above
Outsourcing is used when the business need is not core to the business. The correct answer would be option D.
Outsourcing is the process of hiring a third party from outside a business to carry out duties or produce goods that were previously handled internally by the business's own staff members. Outsourcing is frequently used by businesses as a cost-cutting measure.
It can be difficult, time-consuming, expensive, and restricting to the growth of your organization to add employees to your team that specialize in areas outside of your primary industry. Additionally, you are wasting precious resources that you could be concentrating on your business-critical tasks by spending time recruiting, hiring, training, and keeping personnel in areas outside of your core capabilities. Outsourcing can be your best option in this situation. In order to focus on what they do best — and do more of it — many businesses outsource their back office, accounting, digital, customer support, and other functions.
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Mark is a manager who spends a great deal of his time thinking of new ways to improve his organization. His subordinates describe him as being charismatic and visionary. He often encourages his employees to expand their skills and motivates them to reach their full potential. In the context of organizational psychology, mark exhibits the characteristics of a(n).
Option B. is correct. Mark demonstrates traits that make a transformational leader. This is as a result of the fact that he spends a lot of time considering how to enhance the business he oversees.
The inspiration he gives workers to further their careers, and his captivating personality. The majority of his time is spent scheduling the precise service calls that each employee completes during the day, checking that the work was completed, and assessing the performance of each employee. Given these duties, Mark appears to be a middle management.
1. The key responsibility of managers today is to keep an eye on employees to ensure they follow instructions.
2. Reprimanding those who don't do things correctly is the best way for a manager to get employees to do what they are asked to.
3. Managers in forward-thinking businesses of all stripes typically treat staff members like partners and are approachable.
Mark is a manager who spends a great deal of his time thinking of new ways to improve his organization. his subordinates describe him as being charismatic and visionary. he often encourages his employees to expand their skills and motivates them to reach their full potential. in the context of organizational psychology, mark exhibits the characteristics of a(n) _____.
A. Autocratic leader
B. Transformational leader
C. Theory x leader
D. Transactional leader
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Which process does a typical LTL delivery follow?
O Pickup from shipper, move to origin terminal, load for line haul, move to destination terminal.
O Load for line haul, move to destination terminal, load for local delivery to customer.
O Pickup from shipper, move to destination terminal, load for local delivery to customer.
O Pickup from shipper, move to origin terminal, load for line haul, move to destination terminal, load for local delivery to customer.
Pickup from the shipper, move to the origin terminal, load for line haul, and move to the destination terminal. This is the process that a typical LTL delivery follows. Hence, option A is appropriate.
What is the meaning of Delivery?The act of transmitting a good, money, security, cash, or another item that is the subject of such a contract is referred to as "delivery" in the financial markets. It frequently refers to derivative contracts like options and futures.
Types of goods delivery: Actual Delivery: The physical transfer of the goods under contract by the seller but rather his authorized representative to the buyer as well as his authorized representative. Symbolic Delivery: When a physical transfer is impossible due to the size or weight of the products, a metaphorical handover is performed.
Hence, option A is correct.
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What do entrepreneurs do what is the first step of their process?
Business owners do The initial phase in their approach is idea generation.
Who are businesspeople?An entrepreneurship is somebody who has a idea and tries to develop a good service or item that others will purchase, together with a business to help them in their endeavor. An entrepreneur is regarded as a vision or an innovator since they take on the majority of risk and responsibility for their new company.
What does a business owner do?An entrepreneur is a person who decides to embark on the challenge and risk of establishing a new company. These enterprises might start as part-time projects or full-time careers. Entrepreneurs not only launch their own companies, but also expand and grow them to be successful.
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A successful advertising campaign results in
O the firm's perceived demand curve to become more elastic, leading to more variability in pricing O the firm charging a lower price for its product but selling more units
O the firm's perceived demand curve to become more inelastic, so demand increases
A successful advertising campaign results in the firm's perceived demand curve to become more elastic, leading to more variability in pricing. Thus option (a) is correct.
What is advertising?Advertising is a means of communication with the users of a product or service. Advertising is a promotional or marketing technique which aims to attract or influence the customer for selling a product or service to a target audience.
The advertising can be done through different media platforms like television, print (newspapers, magazines, journals etc ), radio, press, internet, direct selling, hoardings, mailers, contests, sponsorships, posters, clothes, events, colors, sounds, visuals and even people (endorsements).
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Zaria and Hannah are roommates. zaria assigns a $30 value to smoking cigarettes. hannah values smoke-free air at $15. which of the following scenarios is a successful example of the coase theorem?
a. Hannah offers Zaria $16 not to smoke. Zaria accept and does not smoke
b. Zaria pays Hannah $16 so that Zaria can smoke
c. Hannah offers Zaria $12 not to smoke. Zaria accepts and does not smoke
d. Zaria pays Hannah $14 so that Zaria can smoke
The scenario that is a successful example of the Coase theorem is if Zaria pays Hannah $16 so that Zaria can smoke. The Option B is correct.
What does the Coase theorem states?When there are competing property rights, the Coase Theorem is used. According to the Coase Theorem, when there is a conflict of property rights, under ideal economic conditions, the involved parties can bargain or negotiate terms that accurately reflect the full costs and underlying values of the property rights at issue, resulting in the most efficient outcome.
In this case, because Zaria pays Hannah $16 so that Zaria can smoke, this depict Coase theorem as its involves bargaining or negotiation of terms. Therefore, Option B is correct.
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Why did industrialization change the economies of many countries Check all that apply Brainly?
More countries began their own sectors, new monetary systems helped fund the expansion of industry, and products decided to hire specialized personnel.
Who is considered private?The primary reason is that they don't enjoy being in the limelight or receiving more attention. These people avoid the throng and commotion of the outside world and lead solitary lives. They don't like to willingly share their work, ideas, or opinions in public spaces or on social media.
Do you mean secret by private?"To maintain secrecy, one must conceal information. Being unnoticed and having my own experience with life without having anyone else's eyes on me is what privacy is all about." Justice Louis Brandeis of the United States once famously referred to privacy as "the rights to be left alone."
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What is the meaning of Kanban?
Meaning of Kanban is a just-in-time (JIT) manufacturing inventory control technique.
Japanese for "sign," Kanban is an inventory control method used in just-in-time (JIT) manufacturing to keep track of production and make orders for new supply of materials and components.
Kanban, developed by Toyota industrial engineer Taiichi Ohno, uses visual cues to inspire the activity necessary to maintain the flow of a process. In the manufacturing sector, kanban begins with the customer's order and follows production downstream. Kanban is just a card attached to a component that has an inventory number on it. Just before the component is installed, the kanban card is removed and transmitted higher up the supply chain as a request for a different component.
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Why it is an integral part of business?
Strategic management is considered to be an integral part which is of the business.
Business is considered to be an integral part of our modern society. So, it is an organized and systematic activity in order for earning the profit. It is also concerned with the activities which is of people who are working towards a common economic goal.
In business, strategic management tend to provide certain overall direction which is mainly by developing plans and certain policies which are mainly designed in order to achieve the objectives.
Hence, this is also done by allocating the resources to implement the plans.
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Organizational weaknesses in a SWOT analysis are Multiple Choice environmental factors that the organization may exploit for a competitive advantage. problems that a specific industry needs to correct. SMART goals that are set but not achieved. drawbacks that hinder an organization in executing strategies.
Organizational weaknesses in a SWOT analysis c) problems that a specific industry needs to correct.
An organization's weaknesses prevent it from operating at its highest potential. A bad brand, higher-than-average turnover, high levels of debt, an inadequate supply chain, or a lack of cash are examples of areas where the company needs to improve in order to stay competitive.
Analysts typically represent a SWOT analysis as a square divided into four quadrants, each representing a different SWOT component. The company's situation is quickly summarized in this visual representation.
Even though not every point under a given topic will be equally significant, they should all provide important insights into how opportunities and threats, advantages and disadvantages, and other factors are balanced.
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celia was obtaining a conventional loan, and she put $50,000 down as a down payment. why might her lender also require her to obtain private mortgage insurance?
Compared to loans backed by the government, conventional loans require lower down payments. Prepayment penalties are never imposed on conventional loans.
Government-backed loans are approved faster than conventional loans. There is typically no legal limit on loan amounts with conventional loans.
What exactly is a conventional normal loan and how did it help?Any loan that the government does not insure, or guarantee is referred to as a conventional loan. Lenders generally perceive a 95 percent loan as less risky than an 80% loan.
What exactly is a traditional loan?One that is is a conventional loan. not covered by insurance or guaranteed by the government. By, a traditional loan is made. an individual or a private financial institution. Consideration is given to a conventional loan that is offered for sale to a government agency on the secondary mortgage market.
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What is closed economy in economics?
A closed economy is an economy that does not engage in international trade. This means that all the goods and services produced within the economy are consumed within the economy, and no foreign goods or services are imported.
What is closed economy ?In a closed economy, the government typically plays a larger role in economic decision-making and the allocation of resources. The opposite of a closed economy is an open economy, which actively engages in international trade and is influenced by global market forces.A closed economy is an economy that does not engage in international trade. This means that all the goods and services produced within the economy are consumed within the economy, and no foreign goods or services are imported. Aside from the potential benefits, maintaining a truly closed economy is difficult in modern society, in part because raw materials are essential in everyday life and the production of finished goods. Many countries that are manufacturing and exporting powerhouses do not have all of the necessary raw materials on hand and must import them.To learn more about closed economy refer :
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How should you respond to the theft of your identity Cyber Awareness 2022?
The respond to the theft of your identity Cyber Awareness 2022 is to Report the crime to local law enforcement.
What is cyber crime?An offense involving a computer or computer network is referred to as a "cybercrime." Both the computer and the target may have been involved in the crime. Someone's security or finances could be at risk from cybercrime. Computers, computer networks, and other networked devices are used or targeted in cybercrime. Cybercriminals or hackers who seek to profit from their crimes typically conduct cybercrime. In some cases, though, the goal of cybercrime is not always financial gain; instead, it may be to harm systems or networks.Cybercrime is defined as the use of a computer as a tool or weapon to accomplish or secure something that is regarded criminal. Consider fraud or breaking privacy regulations, as well as identity or intellectual property theft. Just a few instances are provided below.To learn more about cyber crime refer to:
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What are 3 examples of Bartering?
Examples of barter would be of a farmer working in a field in exchange of a portion of the harvest, farmer exchanging eggs with grain from another farmer, or baker exchanging bread with milk from cattle rancher.
Bartering is a system of exchange that exist before the invention of money and it involves a direct cashless exchange of goods or services between two parties at a certain rate that has been agreed upon by both parties bilaterally without using money as an intermediary or medium of exchange. Examples of barter would be exchanging meat for milk, cotton for fruits, or oil for milk. The exact amount of the traded commodity or hours of services needed to be negotiated and agreed upon before the barter takes place, hence making barter system inefficient and ineffective.
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What is key differentiator for accenture when delivering AI solutions to client?
Accenture is a leader in providing AI solutions to its clients. Its main differentiator is its ability to help clients realize the full potential of AI. Accenture has an experienced team of AI experts who understand the latest technologies.
It have a comprehensive understanding of business requirements and have the technical expertise to ensure successful implementation of AI solutions. Accenture also has a comprehensive portfolio of AI solutions that can be tailored to each client's specific needs. In addition, Accenture's AI solutions are designed to be secure, scalable and cost-effective, making them ideal for a wide range of business needs.
Finally, Accenture's AI solutions are backed by a team of dedicated customer support experts who are available to clients throughout the implementation process.
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For what purpose does the government use the taxes it collects from the public?
The majority of this cash goes toward funding government activities, such as maintaining infrastructure and paying employees' wages, as well as purchasing goods and services for American individuals and businesses.
What objective does the government have when it collects taxes?The tax system aims to make sure that everyone makes their fair share of contributions to the operation of the federal government and the economy. The government invests in the nation and provides goods and services for the benefit of the American people using the federal taxes you pay.
In order to raise funds for their primary expenditure goals, governments impose taxes on their residents and enterprises. In order to stimulate economic growth, this includes funding governmental and public projects as well as improving the business climate in the nation.
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What are the 3 threats that you should be aware of when using the Internet?
Malware is one type of cyberthreat that your organization should be aware of, Ransomware, attacks that use distributed denial of service (DDoS).
What dangers exist for online security?Phishing, online fraud, spyware, cyberstalking, cyberbullying, online predators, and sextortion are examples of common dangers to personal safety. Cyberstalking is the practice of following or harassing someone online or through other technological channels.
What are the three information security principles?Confidentiality, integrity, and availability are the fundamental principles of information security. Each component of the information security program needs to be created with one or more of these concepts in mind. They are collectively known as the CIA Triad.
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company bw has issued 2,000 corporate bonds with a maturity value of $1,000 and a coupon rate of 6%. coupon payments are made every 6 months and those bonds will mature in 6 months from today. current market price of those bonds is $978.56. marginal corporate income tax rate is 34%, find the annual after-tax cost of debt for these bonds. [15 points] *** hint: what have you found? semi-annual rate or annual rate?
The answer to the question indicates that the yearly on cost of debt for these bonds is 6.94%.
Describe a Bond?When they need to raise money, governments and businesses issue bonds. You are basically handing the issuer money when you buy a bond. In response, they agree to pay you the whole amount of loan on a specific date as well as regular interest payments (average twice a year) during the repayment period.
Briefing :Using a calculator for money
Input: FV= 1000, PMT=6%*1000/2=60/2 = 30
PV= -978.56
N=1
Solve for I/Y as 5.26
Hence YTM=5.26%*2= 10.51%
After tax cost of debt = 10.51%*(1-34%) = 6.94%
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what aspect of industrialization does this image represent? responses the growing dependence on the u.s. funding to support industry the growing dependence on the u.s. funding to support industry the growth of government regulations over industry the growth of government regulations over industry the growing power of trusts and monopolies the growing power of trusts and monopolies the growth of domestic oil production the growth of domestic oil production
Industrialization, at the side of superb strides in transportation, drove the increase of U.S. towns and a swiftly increasing marketplace economy.
It additionally fashioned the improvement of a big running elegance in U.S. society, main subsequently to exertions struggles and moves led via way of means of running guys and women. The upward push of America as an business strength started after the Civil War. Many elements promoted industry, along with reasonably-priced exertions, new innovations and technology, and considerable uncooked materials. Railroads swiftly expanded. The Industrial Revolution introduced approximately sweeping modifications in financial and social organization. These modifications covered a much wider distribution of wealth and elevated global trade. Managerial hierarchies additionally advanced to supervise the department of exertions.
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assuming the risk-free rate is 5% and the expected return on the market is 12%, what is the value of a stock with a beta of 1.5 that paid a $2 dividend last year if dividends are expected to grow at a 5% rate forever?
The value of a stock with a beta of 1.5 that paid a $2 dividend last year is $ 20.00
Calculating the problem:
Rs = Rf + β(RM - Rf)
= 0.05 + 1.5(0.12 - 0.05)
= 0.155
D1 = D0(1 + g)
= 2 × (1.05)
= 2.10
P0 = 2.10 / (0.155 - 0.05) = $20.00
What is a risk free rate?The risk-free interest rate represents the rate of return an investor expects from a completely risk-free investment over a period of time. Calculate the so-called "real" base rate by subtracting the current rate of inflation from the yield on the government bond corresponding to the investment period.
Why use the risk-free rate?The risk-free interest rate serves as the basis for all other types of investments involving the cost of capital. Since it is risk free, all other investments with some degree of risk must offer higher returns in order to attract investors
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Are protectionist tariffs good?
In the past, protective tariffs have been used to boost economies in nations suffering from depression or recession. Emerging sectors in underdeveloped countries may benefit from protectionism.
What benefits and drawbacks can protectionist policies offer?Domestic industries are able to hire domestically because they are shielded by tariffs and quotas and strengthened by government subsidies. The effect is usually short-lived, and it actually causes a decrease in employment when other nations retaliate by putting up their own protectionist trade barriers.
Who is helped by protective tariffs?Since they are the ones who create the policy and receive the funding, the importing nations benefit the most from tariffs. The main advantage of tariffs is that they generate income from imported products and services.
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Which step in the financial planning process comes before monitoring?
A.
Implementing the plan.
B.
Gathering data.
C.
Analyzing the client’s financial status.
D.
Presenting the plan.
The financial planning process comes before monitoring is the implementation of the plan. Hence, option A is correct.
What is a Financial Planning?Your financial situation is likely to change throughout the course of your life because personal finance is an ongoing, dynamic activity.
You should frequently review your financial choices since they may need to be adjusted to take into account changing personal, financial, and social circumstances.
The step in the financial planning process that comes before monitoring is the implementation of the plan because once the plan is implemented than you are there for its monitoring.
Therefore, it concludes that option A is correct.
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_____ goals are important because they reflect how efficiently a salesperson uses resources, such as time, to accomplish performance goals.
Conversion goals are important because they reflect how efficiently a salesperson uses resources, such as time, to accomplish performance goals.
Conversion goals are the goals that typically aid in organizing conversion actions to make it easier for a business to optimize toward its many goals. Salespeople's effectiveness is gauged by their conversion targets. These goals are also helpful for the sales staff in an organization. Conversion targets reveal the salesperson's desired level of productivity or level of ingenuity. -
Conversion objectives are very different from performance goals in that they quantify relative success, such as the proportion of total sales to calls made or the number of customers to prospects. Conversion objectives are crucial because they show how effectively a salesman uses time and other resources to achieve performance objectives.
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Conversion goals are important because they reflect how efficiently a salesperson uses resources, such as time, to accomplish performance goals.
A conversion goal is a website objective that calls for a particular action from the user, such as making purchases or submitting a form. Website conversions can assist a business in discovering new avenues for success, learning more about their clients and pinpointing areas for development. Conversion targets must be quantifiable; otherwise, it is impossible to determine whether objectives have been met. The organization's general website aims should be supported by these objectives as well.
Organizations frequently use marketing analytics software to manage, assess and regulate their marketing initiatives and track the effectiveness of their conversion objectives as they choose which conversion goals to concentrate on.
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What is the most important thing to consider when shopping for a loan?
Answer:
Explanation:
Your credit. Nearly all lenders look at your credit score and report because it gives them insight into how you manage borrowed money. A poor credit history indicates an increased risk of default
the balance sheet of sound designs reports total assets of $750,000 and $800,000 at the beginning and end of the year, respectively. sales revenues are $1.5 million ($1.2 million in the previous year), net income is $150,000, and net cash flows from operating activities are $175,000. what is sound designs' asset turnover?
At the beginning and end of the year, Sound Designs' balance statement shows total assets of $750,000 and $800.000, respectively. $1.5 million in sales revenues (up from $1.2 million the year prior), $150,000 in net income, and $175,000 in net cash flows from operational operations.
What is turnover ?
The accounting notion of turnover determines how rapidly a corporation runs its operations. Most frequently, turnover is used to determine how quickly an organisation sells its inventory or receives money from accounts receivable.
Accounts receivable turnover, inventory turnover, portfolio turnover, and working capital turnover are examples of frequent types of turnover. By examining a variety of these ratios, businesses can more accurately gauge the effectiveness of their operations, frequently with the intention of increasing turnover.
The percentage of a portfolio sold in a given month or year is referred to in the investing industry as turnover. Fast turnover rates produce greater
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What attracts borrowers to adjustable rate mortgages?
initial interest rate.
duration of the introduction phase.
frequency of interest rate changes following the introductory period (for example, per year).
Adjustable-rate mortgages are impacted by four different types of caps.
starting adjustment limits. Your interest rate can only rise by this much on its initial adjustment.
What is a variable-rate mortgage affected by?According to the market, the index fluctuates. The interest rate modifications for an adjustable-rate mortgage loan are based on changes in the index and the loan's margin. When you apply for the loan, the lender chooses which index your loan will utilize; this decision often won't alter after closing.
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