Calculate the productivity growth you would use to compensate employees for the most recent review period. Perform the calculation for each of the three employees, explain your calculation and why you chose the method you did. Keep in mind that this is for employee bonuses (not salaries).

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.

the answer is     d. in our global economy, most job growth will be in services, but manufacturing jobs will exist, too.

borrow money from the government then pay the government back 5k