A small money exchange in the city center in Singapore has a bid/ask for US dollar of 1.2345 - 60. The local bank has a bid/ask spread of 1.2351 - 54. What is the maximum spread the money exchange can make

Gwen, a manager at exude apparels inc., received a message from a customer requesting a replacement for a purchased pair of shoes. exude apparels has a clearly stated no-return policy. gwen responded to the customer denying the request in a tactful and clear manner. despite this, the customer submitted a second request. in this scenario, which of the following is an appropriate response to the second request?