Day: January 27, 2026

Hazard Quotient

Hazard Quotient

Hazard Quotient

01/27/26

“How can we quantify the lethality of exposure to a substance?”

People are exposed to potentially hazardous substances all the time, whether it’s traces of air pollution or bacterial growth on food. We also know that if exposure breaches a certain level, it becomes dangerous. So how can we quantify the lethality of exposure to a substance? Well, what if we divide the exposure level by the reference dose? This is how the Hazard Quotient works, and it is a very useful tool in toxicology.

Time Value of Money

Time Value of Money

Time Value of Money

01/26/26

“Why is money today worth more than the same amount of money in the future?”

Money and currency are the backbone of global economics. Investing this money requires a certain amount of money. Whatever money you have today will give you more opportunities to invest than if you were to have the same amount of money in the future. The Time Value of Money is fundamental to financial decision-making.