\documentclass[10pt,a4paper]{article}

% Packages
\usepackage{fancyhdr}           % For header and footer
\usepackage{multicol}           % Allows multicols in tables
\usepackage{tabularx}           % Intelligent column widths
\usepackage{tabulary}           % Used in header and footer
\usepackage{hhline}             % Border under tables
\usepackage{graphicx}           % For images
\usepackage{xcolor}             % For hex colours
%\usepackage[utf8x]{inputenc}    % For unicode character support
\usepackage[T1]{fontenc}        % Without this we get weird character replacements
\usepackage{colortbl}           % For coloured tables
\usepackage{setspace}           % For line height
\usepackage{lastpage}           % Needed for total page number
\usepackage{seqsplit}           % Splits long words.
%\usepackage{opensans}          % Can't make this work so far. Shame. Would be lovely.
\usepackage[normalem]{ulem}     % For underlining links
% Most of the following are not required for the majority
% of cheat sheets but are needed for some symbol support.
\usepackage{amsmath}            % Symbols
\usepackage{MnSymbol}           % Symbols
\usepackage{wasysym}            % Symbols
%\usepackage[english,german,french,spanish,italian]{babel}              % Languages

% Document Info
\author{NoxLupus (NoxLupus)}
\pdfinfo{
  /Title (bus100-test1.pdf)
  /Creator (Cheatography)
  /Author (NoxLupus (NoxLupus))
  /Subject (bus100 test1 Cheat Sheet)
}

% Lengths and widths
\addtolength{\textwidth}{6cm}
\addtolength{\textheight}{-1cm}
\addtolength{\hoffset}{-3cm}
\addtolength{\voffset}{-2cm}
\setlength{\tabcolsep}{0.2cm} % Space between columns
\setlength{\headsep}{-12pt} % Reduce space between header and content
\setlength{\headheight}{85pt} % If less, LaTeX automatically increases it
\renewcommand{\footrulewidth}{0pt} % Remove footer line
\renewcommand{\headrulewidth}{0pt} % Remove header line
\renewcommand{\seqinsert}{\ifmmode\allowbreak\else\-\fi} % Hyphens in seqsplit
% This two commands together give roughly
% the right line height in the tables
\renewcommand{\arraystretch}{1.3}
\onehalfspacing

% Commands
\newcommand{\SetRowColor}[1]{\noalign{\gdef\RowColorName{#1}}\rowcolor{\RowColorName}} % Shortcut for row colour
\newcommand{\mymulticolumn}[3]{\multicolumn{#1}{>{\columncolor{\RowColorName}}#2}{#3}} % For coloured multi-cols
\newcolumntype{x}[1]{>{\raggedright}p{#1}} % New column types for ragged-right paragraph columns
\newcommand{\tn}{\tabularnewline} % Required as custom column type in use

% Font and Colours
\definecolor{HeadBackground}{HTML}{333333}
\definecolor{FootBackground}{HTML}{666666}
\definecolor{TextColor}{HTML}{333333}
\definecolor{DarkBackground}{HTML}{643475}
\definecolor{LightBackground}{HTML}{F5F2F6}
\renewcommand{\familydefault}{\sfdefault}
\color{TextColor}

% Header and Footer
\pagestyle{fancy}
\fancyhead{} % Set header to blank
\fancyfoot{} % Set footer to blank
\fancyhead[L]{
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{C}
    \SetRowColor{DarkBackground}
    \vspace{-7pt}
    {\parbox{\dimexpr\textwidth-2\fboxsep\relax}{\noindent
        \hspace*{-6pt}\includegraphics[width=5.8cm]{/web/www.cheatography.com/public/images/cheatography_logo.pdf}}
    }
\end{tabulary}
\columnbreak
\begin{tabulary}{11cm}{L}
    \vspace{-2pt}\large{\bf{\textcolor{DarkBackground}{\textrm{bus100 test1 Cheat Sheet}}}} \\
    \normalsize{by \textcolor{DarkBackground}{NoxLupus (NoxLupus)} via \textcolor{DarkBackground}{\uline{cheatography.com/46432/cs/17023/}}}
\end{tabulary}
\end{multicols}}

\fancyfoot[L]{ \footnotesize
\noindent
\begin{multicols}{3}
\begin{tabulary}{5.8cm}{LL}
  \SetRowColor{FootBackground}
  \mymulticolumn{2}{p{5.377cm}}{\bf\textcolor{white}{Cheatographer}}  \\
  \vspace{-2pt}NoxLupus (NoxLupus) \\
  \uline{cheatography.com/noxlupus} \\
  \end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Cheat Sheet}}  \\
   \vspace{-2pt}Not Yet Published.\\
   Updated 12th September, 2018.\\
   Page {\thepage} of \pageref{LastPage}.
\end{tabulary}
\vfill
\columnbreak
\begin{tabulary}{5.8cm}{L}
  \SetRowColor{FootBackground}
  \mymulticolumn{1}{p{5.377cm}}{\bf\textcolor{white}{Sponsor}}  \\
  \SetRowColor{white}
  \vspace{-5pt}
  %\includegraphics[width=48px,height=48px]{dave.jpeg}
  Measure your website readability!\\
  www.readability-score.com
\end{tabulary}
\end{multicols}}




\begin{document}
\raggedright
\raggedcolumns

% Set font size to small. Switch to any value
% from this page to resize cheat sheet text:
% www.emerson.emory.edu/services/latex/latex_169.html
\footnotesize % Small font.

\begin{multicols*}{3}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{type of ownership}}  \tn
\SetRowColor{LightBackground}
\mymulticolumn{1}{p{5.377cm}}{\vspace{1px}\centerline{\includegraphics[width=5.1cm]{/web/www.cheatography.com/public/uploads/noxlupus_1536710679_bus sytems.png}}} \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.84149 cm} x{3.13551 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{taxation}}  \tn
% Row 0
\SetRowColor{LightBackground}
structure\{\{bb\}\} & \{\{bb\}\}tax \tn 
% Row Count 2 (+ 2)
% Row 1
\SetRowColor{white}
Sole \seqsplit{proprietorship} & {\bf{individual income}} tax \tn 
% Row Count 4 (+ 2)
% Row 2
\SetRowColor{LightBackground}
partnership & {\bf{individual owner's income}} tax \tn 
% Row Count 6 (+ 2)
% Row 3
\SetRowColor{white}
corporatoin & {\bf{corporatoin \& shareholder}} tax \tn 
% Row Count 8 (+ 2)
% Row 4
\SetRowColor{LightBackground}
s corporatoin & {\emph{see}} {\bf{partnership}} \tn 
% Row Count 9 (+ 1)
% Row 5
\SetRowColor{white}
LLC & {\emph{see}} {\bf{partnership}} \tn 
% Row Count 10 (+ 1)
% Row 6
\SetRowColor{LightBackground}
c-corps & double tax \tn 
% Row Count 11 (+ 1)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Advantages \& Disadvantages}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{{\bf{Sole Proprietorships\{\{bb\}\}}}} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
Advantages\{\{bb\}\} & Disadvantages\{\{bb\}\} \tn 
% Row Count 2 (+ 1)
% Row 2
\SetRowColor{LightBackground}
•	Ease and cost of formation \{\{nl\}\} •	Allow a high level of secrecy \{\{nl\}\} •	Owner keeps all profits \{\{nl\}\} •	Flexibility and control of the business \{\{nl\}\} •	Government regulation is minimal \{\{nl\}\} •	Taxes paid only once & •	Unlimited liability \{\{nl\}\} •	Scarce external funding \{\{nl\}\} •	Owners need diverse skills \{\{nl\}\} •	Success is tied to the owner \{\{nl\}\} •	Lack of qualified employees \{\{nl\}\} •	Higher taxation \tn 
% Row Count 14 (+ 12)
% Row 3
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{} \tn 
% Row Count 14 (+ 0)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{{\bf{Partnerships\{\{bb\}\}}}} \tn 
% Row Count 15 (+ 1)
% Row 5
\SetRowColor{white}
Advantages\{\{bb\}\} & Disadvantages\{\{bb\}\} \tn 
% Row Count 16 (+ 1)
% Row 6
\SetRowColor{LightBackground}
•	Easy to organize \{\{nl\}\} •	Availability of capital \& credit\{\{nl\}\} •	Combined knowledge and skills\{\{nl\}\} •	Swift decision making\{\{nl\}\} •	Government regulations are few\{\{nl\}\} & •	Unlimited liability\{\{nl\}\} •	Responsible for each others' decisions\{\{nl\}\} •	A new agreement is needed if the partnership changes\{\{nl\}\} •	Difficult to sell a partnership interest\{\{nl\}\} •	Distribution of profits may be uneven\{\{nl\}\} •	Cannot find external funding as easily as large corporations \tn 
% Row Count 32 (+ 16)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Advantages \& Disadvantages (cont)}}  \tn
% Row 7
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{} \tn 
% Row Count 0 (+ 0)
% Row 8
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{{\bf{ Corporations\{\{bb\}\}}}} \tn 
% Row Count 1 (+ 1)
% Row 9
\SetRowColor{LightBackground}
Advantages\{\{bb\}\} & Disadvantages\{\{bb\}\} \tn 
% Row Count 2 (+ 1)
% Row 10
\SetRowColor{white}
•	Limited liability\{\{nl\}\} •	Ease of transfer of ownership\{\{nl\}\} •	Perpetual life\{\{nl\}\} •	Securing funding is easier than for other forms of business\{\{nl\}\} •	Expansion potential & •	Double taxation\{\{nl\}\} •	Expensive to form\{\{nl\}\} •	Disclosure of information to the government and the public\{\{nl\}\} •	Owners and managers are not always the same and can have different goals \tn 
% Row Count 12 (+ 10)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Small Business}}  \tn
% Row 0
\SetRowColor{LightBackground}
Small Business & Any independently owned and operated business that is not dominant in its competitive area \tn 
% Row Count 5 (+ 5)
% Row 1
\SetRowColor{white}
Small Business Administration (SBA) & An independent agency of the federal government that offers managerial and financial assistance to small businesses \tn 
% Row Count 11 (+ 6)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Especially attractive\{\{nl\}\} industries to entrepreneurs{\bf{:}}} \tn 
% Row Count 13 (+ 2)
% Row 3
\SetRowColor{white}
\{\{fa-circle\}\}~ Retailing\{\{nl\}\} and wholesaling\{\{nobreak\}\} & Selling directly to consumers{\emph{(Restaurants, Dry cleaners, Drugstores)}} \tn 
% Row Count 17 (+ 4)
% Row 4
\SetRowColor{LightBackground}
\{\{fa-circle\}\}~ Services\{\{nobreak\}\} & Attracts individuals whose skills are not required by large firms \tn 
% Row Count 21 (+ 4)
% Row 5
\SetRowColor{white}
\{\{fa-circle\}\}~ Manufactur-\{\{nl\}\}ing\{\{nobreak\}\} & Small manufacturers excel at customization \tn 
% Row Count 24 (+ 3)
% Row 6
\SetRowColor{LightBackground}
\{\{fa-circle\}\}~ High \{\{nl\}\}technology\{\{nobreak\}\} & Businesses that depend heavily on advanced scientific and engineering knowledge \tn 
% Row Count 28 (+ 4)
% Row 7
\SetRowColor{white}
Small businesses may obtain funding from their suppliers in the form of a trade credit & Suppliers allow the business to take possession of the needed goods and services and pay for them at a later date or in installments \tn 
% Row Count 35 (+ 7)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Small Business (cont)}}  \tn
% Row 8
\SetRowColor{LightBackground}
Organizations and programs exist to help small\{\{nl\}\} businesses{\bf{:}} & o	Small Business Administration ({\bf{SBA}}) \{\{nl\}\} o	Small Business Development Centers ({\bf{SBDC}}s) \{\{nl\}\} o	Service Corps of Retired Executives ({\bf{SCORE}}s) \{\{nl\}\} o	Active Corps of Executives ({\bf{ACE}}s) \{\{nl\}\} o	Small Business Institutions ({\bf{SBI}}s) \{\{nl\}\} o	U.S. and Local Departments of Commerce \{\{nl\}\} o	Other small businesses \tn 
% Row Count 17 (+ 17)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Employs less than 500 people}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.33919 cm} x{2.63781 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{corporations}}  \tn
% Row 0
\SetRowColor{LightBackground}
Corporation & A legal entity, created by the state, whose assets and liabilities are separate from its owners \{\{nl\}\} can own and transfer property, enter into contracts, sue and be sued in court \tn 
% Row Count 9 (+ 9)
% Row 1
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{Other Types of Business Ownership} \tn 
% Row Count 10 (+ 1)
% Row 2
\SetRowColor{LightBackground}
{\bf{S-Corporation}} & Corporation taxed as though it were a partnership with restrictions on shareholders, Very popular with entrepreneurs, representing nearly half of all corporate filings \tn 
% Row Count 18 (+ 8)
% Row 3
\SetRowColor{white}
{\bf{Joint Venture}} & A partnership established for a specific project or for a limited time, Control can be divided equally, or one partner may control decision making \tn 
% Row Count 25 (+ 7)
% Row 4
\SetRowColor{LightBackground}
{\bf{Limited Liability Company (LLC)}} & Considered a blend of the best characteristics of corporations, partnerships and sole proprietorships \tn 
% Row Count 30 (+ 5)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{2.33919 cm} x{2.63781 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{corporations (cont)}}  \tn
% Row 5
\SetRowColor{LightBackground}
{\bf{Cooperatives or Co-ops}} & Organizations composed of individuals or small businesses that have banded together to reap the benefits of belonging to a larger organization \tn 
% Row Count 7 (+ 7)
% Row 6
\SetRowColor{white}
{\bf{Private Corporation}} & a few people who are closely involved in managing the business\{\{nl\}\}None of their stock is sold to the public \tn 
% Row Count 13 (+ 6)
% Row 7
\SetRowColor{LightBackground}
{\bf{Initial Public Offering (IPO)}} & Selling a corporation's stock on public markets for the first time \tn 
% Row Count 17 (+ 4)
% Row 8
\SetRowColor{white}
Board of Directors & A group of individuals, elected by the stockholders to oversee the general operation of the corporation, who set the corporation's long-range objectives \tn 
% Row Count 25 (+ 8)
% Row 9
\SetRowColor{LightBackground}
Creating a Corporation & Incorporators {\bf{create}} the corporation \{\{fa-arrow-right\}\}\{\{nl\}\} Following state procedure of {\bf{chartering the corporation}}\{\{fa-arrow-right\}\}\{\{nl\}\} Incorporators {\bf{file legal articles}} of incorporation with the state\{\{fa-arrow-right\}\}\{\{nl\}\} {\bf{State issues a legal corporate charter}} to the company\{\{fa-arrow-right\}\}\{\{nl\}\} Owners {\bf{establish bylaws}} and board of directors\{\{fa-arrow-right\}\}\{\{nl\}\} \tn 
% Row Count 45 (+ 20)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\SetRowColor{LightBackground}
\mymulticolumn{2}{x{5.377cm}}{Corporations are typically owned by many individuals and organizations who own shares of the business}  \tn 
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.84149 cm} x{3.13551 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{partnerships}}  \tn
% Row 0
\SetRowColor{LightBackground}
Partnerships & A form of business organization defined by the Uniform Partnership Act as "an association of two or more persons who carry on as co-owners of a business for profit" \tn 
% Row Count 7 (+ 7)
% Row 1
\SetRowColor{white}
\mymulticolumn{2}{x{5.377cm}}{sub types{\bf{:}}} \tn 
% Row Count 8 (+ 1)
% Row 2
\SetRowColor{LightBackground}
{\bf{Limited Partnership}} & Has at least one general partner, who assumes unlimited liability, and at least one limited partner whose liability is limited to his or her investment in the business \tn 
% Row Count 15 (+ 7)
% Row 3
\SetRowColor{white}
{\bf{General Partnership}} & Involves a complete sharing in both the management and the liability of the business \tn 
% Row Count 19 (+ 4)
% Row 4
\SetRowColor{LightBackground}
Articles of Partnership & Legal documents that set forth the basic agreement between partners \tn 
% Row Count 22 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.4931 cm} x{3.4839 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Define}}  \tn
% Row 0
\SetRowColor{LightBackground}
Products & Good and services with tangible and intangible parts, that provied satisfaction and benafits \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
\seqsplit{Stakeholders} & a group that has a stake in the outcome of the business \tn 
% Row Count 6 (+ 2)
% Row 2
\SetRowColor{LightBackground}
Inflation & a general increase in prices and fall in the purchasing value of money. \tn 
% Row Count 9 (+ 3)
% Row 3
\SetRowColor{white}
Economics & the study of how resorse are distibuted \tn 
% Row Count 11 (+ 2)
% Row 4
\SetRowColor{LightBackground}
Supply and demand & the amout of stuff and want \tn 
% Row Count 13 (+ 2)
% Row 5
\SetRowColor{white}
Equilibrium price & were the Equilibrium price mach of the graph \tn 
% Row Count 15 (+ 2)
% Row 6
\SetRowColor{LightBackground}
Business plan & a document setting out a business's future objectives and strategies for achieving them.(in detale) \tn 
% Row Count 19 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.59264 cm} x{3.38436 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Distinguish among:}}  \tn
% Row 0
\SetRowColor{LightBackground}
Sole \seqsplit{proprietorship} & Businesses owned and operated by {\bf{one individual}}.\{\{nl\}\} The most common form of business organization in the United States\{\{nl\}\} (Typically {\emph{employ fewer than 50}} people) \tn 
% Row Count 7 (+ 7)
% Row 1
\SetRowColor{white}
Limited partnership & Has at least {\bf{one general partner}}, who {\emph{assumes unlimited liability}}.\{\{nl\}\} {\bf{At least one limited partner}} whose {\emph{liability is limited}} to his or her investment in the business \tn 
% Row Count 14 (+ 7)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.69218 cm} x{3.28482 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Distinguish among:}}  \tn
% Row 0
\SetRowColor{LightBackground}
Domestic corporations & If conducting business in the state in which it is chartered \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
Foreign Corporation & If conducting business outside the state in which it is chartered \tn 
% Row Count 6 (+ 3)
% Row 2
\SetRowColor{LightBackground}
Alien corporations & If conducting business outside the nation in which it is incorporated \tn 
% Row Count 9 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{0.9954 cm} x{3.9816 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Distinguish among:}}  \tn
% Row 0
\SetRowColor{LightBackground}
\seqsplit{Franchise} & A {\bf{license}} to sell another's products or to use another's name in business, or both \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\seqsplit{Franchisee} & The {\bf{company}} that sells a franchise \tn 
% Row Count 5 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\seqsplit{Franchiser} & The {\bf{purchaser}} of a franchise \tn 
% Row Count 7 (+ 2)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.09494 cm} x{3.88206 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Distinguish among:}}  \tn
% Row 0
\SetRowColor{LightBackground}
\seqsplit{business} & Individuals and originations trying to earn a profit by providing products and satisfy peoples need and want \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
\seqsplit{non-profits} & Individuals and originations that provides a good or serves that does {\bf{not share in the purpose}} of earning money \tn 
% Row Count 8 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{1.34379 cm} x{3.63321 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Stocks}}  \tn
% Row 0
\SetRowColor{LightBackground}
Preferred Stock & A {\emph{special}} type of stock whose owners, though {\bf{{[}do{]} not generally having a say in running}} the company, have a {\bf{claim to profits before other}} stockholders do \tn 
% Row Count 6 (+ 6)
% Row 1
\SetRowColor{white}
Common Stock & Stock whose owners {\bf{have voting rights}} in the corporation, yet {\bf{do not receive preferential treatment}} regarding dividends\{\{nl\}\} ~ ~ May vote by proxy, which allows stockholders to {\bf{assign their voting privilege}} to someone else. \tn 
% Row Count 15 (+ 9)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{resources}}  \tn
% Row 0
\SetRowColor{LightBackground}
{\bf{Natural}} Resources & Land, forests, mineral, water, and other things {\bf{not made by people}} \tn 
% Row Count 4 (+ 4)
% Row 1
\SetRowColor{white}
{\bf{Human}} Resources {\emph{– also called Labor}} & The{\bf{ physical}} and {\bf{mental}} abilities people use to produce goods and services \tn 
% Row Count 9 (+ 5)
% Row 2
\SetRowColor{LightBackground}
{\bf{Financial}} Resources {\emph{– also called Capital}} & The {\bf{funds}} used to acquire the natural and human {\emph{resources needed to provide products}} \tn 
% Row Count 14 (+ 5)
% Row 3
\SetRowColor{white}
{\bf{Intangible}} Resources & Such as a good {\bf{reputation}} for quality products or being {\emph{socially responsible}} \tn 
% Row Count 19 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.23965 cm} x{2.73735 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{Economic systems}}  \tn
% Row 0
\SetRowColor{LightBackground}
Socialism & An economic system in which the {\bf{government owns and operates basic industries}} but {\bf{individuals own most businesses}}\{\{nl\}\} {\emph{(may allow a higher standard of living and is more stable; but taxes and unemployment are generally higher)}} \tn 
% Row Count 11 (+ 11)
% Row 1
\SetRowColor{white}
Capitalism {\emph{- or Free Enterprise}} & which {\bf{individuals own and operate the majority of businesses}} that provide goods and services \{\{nl\}\} \tn 
% Row Count 16 (+ 5)
% Row 2
\SetRowColor{LightBackground}
 & {\bf{Pure capitalism}}\{\{nl\}\} {\bf{laissez-faire capitalism}}\{\{nl\}\}  {\bf{free-market}}:\{\{nl\}\}  all economic decisions are made without government \tn 
% Row Count 23 (+ 7)
% Row 3
\SetRowColor{white}
 & {\bf{Modified capitalism}}:\{\{nl\}\} differs from pure capitalism as the government intervenes and regulates business to some extent \tn 
% Row Count 29 (+ 6)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{quize1}}  \tn
% Row 0
\SetRowColor{LightBackground}
A new small retailer needs all the following except & manufacturing facilities. \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
One of the attractive features of franchising is that & franchisers have well-known names and products. \tn 
% Row Count 6 (+ 3)
% Row 2
\SetRowColor{LightBackground}
The SBA considers businesses with up to \_\_\_\_ employees to be small businesses. & 500 \tn 
% Row Count 10 (+ 4)
% Row 3
\SetRowColor{white}
The \_\_ is an independent agency of the federal government that offers managerial and financial assistance to entrepreneurs. & Small Business Administration \tn 
% Row Count 17 (+ 7)
% Row 4
\SetRowColor{LightBackground}
Initially, the factor that probably affects a company's reputation more than anything else is poorly managed & growth. \tn 
% Row Count 23 (+ 6)
% Row 5
\SetRowColor{white}
Which of the following industries requires greater capital and has higher initial start-up costs for a small business? & High technology \tn 
% Row Count 29 (+ 6)
% Row 6
\SetRowColor{LightBackground}
An owner who uses personal assets to start a business is employing \_\_\_\_ financing. & equity \tn 
% Row Count 34 (+ 5)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{quize1 (cont)}}  \tn
% Row 7
\SetRowColor{LightBackground}
Approximately \_\_\_ of new employer businesses fail within the first five years. & half \tn 
% Row Count 4 (+ 4)
% Row 8
\SetRowColor{white}
Franchising involves providing a(n) \_\_\_\_ to sell another's products, use another's name, or both. & license \tn 
% Row Count 9 (+ 5)
% Row 9
\SetRowColor{LightBackground}
Few businesses make money & from the start. \tn 
% Row Count 11 (+ 2)
% Row 10
\SetRowColor{white}
Limited partners do not participate in the \_\_\_\_ of the business. & management \tn 
% Row Count 15 (+ 4)
% Row 11
\SetRowColor{LightBackground}
A(n) \_\_\_\_ is subject to double taxation. & C corporation \tn 
% Row Count 18 (+ 3)
% Row 12
\SetRowColor{white}
A(n) \_\_\_ occurs when two companies combine to form a new company, and a(n) \_\_\_ occurs when one company purchases another. & merger; acquisition \tn 
% Row Count 25 (+ 7)
% Row 13
\SetRowColor{LightBackground}
Which of the following is the easiest to dissolve? & Sole proprietorship \tn 
% Row Count 28 (+ 3)
% Row 14
\SetRowColor{white}
Which of the following is an advantage of the corporate form of organization? & Smooth transfer of ownership \tn 
% Row Count 32 (+ 4)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{quize1 (cont)}}  \tn
% Row 15
\SetRowColor{LightBackground}
Question 16 	 	In a limited partnership, at least one partner has \_\_\_\_\_\_\_\_ liability. & unlimited \tn 
% Row Count 5 (+ 5)
% Row 16
\SetRowColor{white}
Liability is \_\_\_\_ in a sole proprietorship. & unlimited \tn 
% Row Count 8 (+ 3)
% Row 17
\SetRowColor{LightBackground}
The number of votes common stockholders are normally entitled to have for each share of stock is & one. \tn 
% Row Count 13 (+ 5)
% Row 18
\SetRowColor{white}
\_\_\_\_ can enter into contracts with other legal entities. & Corporations \tn 
% Row Count 16 (+ 3)
% Row 19
\SetRowColor{LightBackground}
All of the following would likely be found in a company's articles of incorporation except & expected profitability of the corporation. \tn 
% Row Count 21 (+ 5)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{quize2}}  \tn
% Row 0
\SetRowColor{LightBackground}
The early economy of the United States was marked by colonists who operated a society based primarily on & agriculture. \tn 
% Row Count 6 (+ 6)
% Row 1
\SetRowColor{white}
All of the following are associated with the manufacturing and marketing economies except & farming. \tn 
% Row Count 11 (+ 5)
% Row 2
\SetRowColor{LightBackground}
When there is only one business providing a product in a given market, there exists & a monopoly. \tn 
% Row Count 16 (+ 5)
% Row 3
\SetRowColor{white}
According to the text, profit is the reward for business in exchange for the \_\_\_\_ taken in providing products. & risks \tn 
% Row Count 22 (+ 6)
% Row 4
\SetRowColor{LightBackground}
Factors of production are & resources used to produce goods and services. \tn 
% Row Count 25 (+ 3)
% Row 5
\SetRowColor{white}
What is the primary lesson to be learned from the economic scandals of the early 21st century? & Ethical conduct and corporate social responsibility are very important. \tn 
% Row Count 30 (+ 5)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{quize2 (cont)}}  \tn
% Row 6
\SetRowColor{LightBackground}
The goal of business is to earn & profits. \tn 
% Row Count 2 (+ 2)
% Row 7
\SetRowColor{white}
All the following are factors of production used to make goods and services except & customers. \tn 
% Row Count 7 (+ 5)
% Row 8
\SetRowColor{LightBackground}
Financial resources are also known as \seqsplit{\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_}. & capital \tn 
% Row Count 10 (+ 3)
% Row 9
\SetRowColor{white}
Economic contraction occurs when & spending declines. \tn 
% Row Count 12 (+ 2)
% Row 10
\SetRowColor{LightBackground}
A continuing rise in prices over a period of time refers to & inflation. \tn 
% Row Count 16 (+ 4)
% Row 11
\SetRowColor{white}
When a business fails or does not make a profit, \_\_\_\_\_\_\_ have the most to lose. & owners \tn 
% Row Count 20 (+ 4)
% Row 12
\SetRowColor{LightBackground}
\seqsplit{\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_} is the study of how resources are distributed for the production of goods and services within a social system. & Economics \tn 
% Row Count 27 (+ 7)
% Row 13
\SetRowColor{white}
\seqsplit{\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_\_} can be harmful if individuals' incomes do not increase at the same pace as rising prices because it reduces their buying power. & Inflation \tn 
% Row Count 35 (+ 8)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{x{2.4885 cm} x{2.4885 cm} }
\SetRowColor{DarkBackground}
\mymulticolumn{2}{x{5.377cm}}{\bf\textcolor{white}{quize2 (cont)}}  \tn
% Row 14
\SetRowColor{LightBackground}
If a business is to be successful in the long run, it must produce quality products, operate efficiently, and be & socially responsible. \tn 
% Row Count 6 (+ 6)
% Row 15
\SetRowColor{white}
The sum of all goods and services produced in a country during a year in relation to population is called & gross domestic product per capita. \tn 
% Row Count 12 (+ 6)
% Row 16
\SetRowColor{LightBackground}
Most economic systems & exist in a mixed form. \tn 
% Row Count 14 (+ 2)
% Row 17
\SetRowColor{white}
Communist societies & appear to be efficient and equitable, at least in theory. \tn 
% Row Count 17 (+ 3)
% Row 18
\SetRowColor{LightBackground}
Socialism & has government ownership of basic industries. \tn 
% Row Count 20 (+ 3)
% Row 19
\SetRowColor{white}
Which of the following questions is not addressed by all economic systems? & How should the goods and services be marketed? \tn 
% Row Count 24 (+ 4)
\hhline{>{\arrayrulecolor{DarkBackground}}--}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{quize2 cap}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{The {\bf{early economy}} of the United States was marked by colonists who operated a society based primarily on {\bf{agriculture}}.} \tn 
% Row Count 3 (+ 3)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Farming}} is {\bf{not}} associated with the {\bf{manufacturing and marketing economies}}.} \tn 
% Row Count 5 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{When there is only {\bf{one business}} providing a product in a given market, there exists a {\bf{monopoly}}.} \tn 
% Row Count 8 (+ 3)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Profit}} is the {\bf{reward}} for {\bf{business}} in {\bf{exchange}} for the {\bf{risks}} taken in providing products.} \tn 
% Row Count 11 (+ 3)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Factors of production}} are {\bf{resources}} {\emph{used to produce goods and services}}.} \tn 
% Row Count 13 (+ 2)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Ethical conduct}} and {\bf{corporate social responsibility}} are the primary lessons to be learned from the economic {\bf{scandals of the early 21st}} century} \tn 
% Row Count 17 (+ 4)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{The {\bf{goal}} of business is to earn {\bf{profits}}.} \tn 
% Row Count 18 (+ 1)
% Row 7
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Customers}} is {\bf{not}} a factors of {\bf{production}} used to make goods and services.} \tn 
% Row Count 20 (+ 2)
% Row 8
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{economic {\bf{contraction}} occurs when {\bf{spending declines}}.} \tn 
% Row Count 22 (+ 2)
% Row 9
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{A continuing {\bf{rise in prices}} over a period of time refers to {\bf{inflation}}} \tn 
% Row Count 24 (+ 2)
% Row 10
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{When a business fails or does not make a profit, the {\bf{owners have the most to lose}}.} \tn 
% Row Count 26 (+ 2)
% Row 11
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{ Economics}} is the study of how {\bf{resources are distributed}} for the production of goods and services within a social system.} \tn 
% Row Count 29 (+ 3)
% Row 12
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Inflation}} can be {\bf{harmful if}} individuals' {\bf{incomes}} do not increase at the same pace as rising {\bf{prices}} because it reduces their buying power.} \tn 
% Row Count 33 (+ 4)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{quize2 cap (cont)}}  \tn
% Row 13
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{If a business is to be {\bf{successful in the long run}}, it must produce {\bf{quality}} products, operate {\bf{efficiently}}, and be {\bf{socially responsible}}.} \tn 
% Row Count 3 (+ 3)
% Row 14
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{The sum of all goods and services {\bf{produced in a country}} during a year in relation to population is called gross domestic product per capita. {\bf{GDP}}} \tn 
% Row Count 7 (+ 4)
% Row 15
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Most economic}} systems exist in a {\bf{mixed form}}.} \tn 
% Row Count 9 (+ 2)
% Row 16
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Communist}} societies {\bf{appear}} to be {\bf{efficient}} and equitable, at least in {\bf{theory}}.} \tn 
% Row Count 11 (+ 2)
% Row 17
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Socialism}} has {\bf{government}} ownership of {\bf{basic}} industries.} \tn 
% Row Count 13 (+ 2)
% Row 18
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{How should the goods and services be {\bf{marketed}} is {\bf{not}} {\bf{addressed}} by all {\bf{economic}} systems.} \tn 
% Row Count 16 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}

\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{quize1 cap}}  \tn
% Row 0
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{-} \tn 
% Row Count 1 (+ 1)
% Row 1
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{One of the {\bf{attractive features}} of franchisers is thier {\bf{well-known}} names and products.} \tn 
% Row Count 3 (+ 2)
% Row 2
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{The {\bf{SBA}} considers businesses with up to {\bf{500}} employees to be small businesses.} \tn 
% Row Count 5 (+ 2)
% Row 3
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{The {\bf{S}}mall {\bf{B}}usiness {\bf{A}}dministration is an {\bf{independent}} agency of the federal {\bf{government}} that offers {\emph{managerial}} and {\emph{financial}} {\bf{assistance}} to entrepreneurs.} \tn 
% Row Count 9 (+ 4)
% Row 4
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{Initially, the factor that probably affects a company's {\bf{reputation}} more than anything else is {\bf{poorly managed growth}}.} \tn 
% Row Count 12 (+ 3)
% Row 5
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{The {\bf{High technology}} industries requires {\bf{greater capital}} and has higher initial start-up costs for a small business?} \tn 
% Row Count 15 (+ 3)
% Row 6
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{An owner who uses {\bf{personal assets}} to start a business is employing {\bf{equity financing}}.} \tn 
% Row Count 17 (+ 2)
% Row 7
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Approximately {\bf{half}} of new employer businesses {\bf{fail}} within the first five years.} \tn 
% Row Count 19 (+ 2)
% Row 8
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Franchising}} involves providing a {\bf{license}} to sell another's products, use another's name, or both.} \tn 
% Row Count 22 (+ 3)
% Row 9
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Few businesses make money from the start.} \tn 
% Row Count 23 (+ 1)
% Row 10
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Limited partners}} do {\bf{not}} participate in the {\bf{management}} of the business.} \tn 
% Row Count 25 (+ 2)
% Row 11
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{A {\bf{C}} corporation is subject to {\bf{double taxation}}.} \tn 
% Row Count 27 (+ 2)
% Row 12
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{An {\bf{merger}} occurs when two companies combine to {\bf{form a new company}}, and an {\bf{acquisition}} occurs when one {\bf{company purchases another}}.} \tn 
% Row Count 30 (+ 3)
\end{tabularx}
\par\addvspace{1.3em}

\vfill
\columnbreak
\begin{tabularx}{5.377cm}{X}
\SetRowColor{DarkBackground}
\mymulticolumn{1}{x{5.377cm}}{\bf\textcolor{white}{quize1 cap (cont)}}  \tn
% Row 13
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Sole}} proprietorship is the easiest to {\bf{dissolve}}} \tn 
% Row Count 2 (+ 2)
% Row 14
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Smooth transfer}} of ownership is an advantage of the {\bf{corporate}} form of organization} \tn 
% Row Count 4 (+ 2)
% Row 15
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{In a {\bf{limited partnership}}, at least one partner has unlimited liability.} \tn 
% Row Count 6 (+ 2)
% Row 16
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{Liability is unlimited in a {\bf{sole proprietorship}}.} \tn 
% Row Count 8 (+ 2)
% Row 17
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{The number of {\bf{votes common stockholders}} are normally entitled to is {\bf{one per stock}}} \tn 
% Row Count 10 (+ 2)
% Row 18
\SetRowColor{white}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Corporations}} can enter into contracts with other {\bf{legal entities}}.} \tn 
% Row Count 12 (+ 2)
% Row 19
\SetRowColor{LightBackground}
\mymulticolumn{1}{x{5.377cm}}{{\bf{Expected profitability}} of the corporation would likely {\bf{not}} be found in a company's {\bf{articles of incorporation}}} \tn 
% Row Count 15 (+ 3)
\hhline{>{\arrayrulecolor{DarkBackground}}-}
\end{tabularx}
\par\addvspace{1.3em}


% That's all folks
\end{multicols*}

\end{document}