A decision not to participate in e-commerce should be carefully analyzed, documented, and approved by whom?

Quality cost indices are often used to measure and analyze the cost of maintaining a given level of quality. One example of a quality cost index, which uses a direct labor base, is computed as
Based upon these costs data, the quality cost index:

When two devices in a data communications system are communicating, there must be agreement as to how both data and control information are to be packaged and interpreted. Which of the following terms is commonly used to describe this type of agreement?

A Gantt chart:

An entity has daily rash receipts of US $300,000 and is interested in acquiring a lockbox service in order to reduce collection time Bank 1's lockbox service cost US $3,000 per month and will reduces collection time by 3 days. Bank 2's lockbox service costs US $5000 per month and will reduce collection time by 4 days. Bank 3's lockbox service cost US $500 per month and will reduce collection time by 4 days. Bank 2's lockbox service costs US $500 per month and will reduce collection time by 4 days. Bank 3's lockbox service cost US $500 per month and will reduce collection time by 1 day. Bank 4's lockbox service cost US $1,000 per month and will reduce collection time by 2 days.
If money market rates are expected to average 6% during the year, and the entity wishes to maximize income, which bank should the entity choose?