Tom, a production manager, believes that some of his workers are unhappy with their job, so they are not working as hard as they could be. this reduction in effort is also known as

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answer; ///the name of the central bank of the united states is called; ///the federal reserve known as the federal

excel would be a good type of application to create, analyze and forecast budgets. in excel, you are able to make a spreadsheet with all of the categories that your money goes such as house payment, car payment, groceries, water, etc.. then you can analyze them and see where you can make changes to your budge. next you can see how your current months bills are and forecast them to compare them with your next few months.