Respond to the following in a minimum of 175 words. Remember to in-text cite and then reference materials where required. 

Discuss the Following in a Single Initial Reply: 

1) Organizations do not operate in a vacuum and are subject to governmental regulation. This is particularly true with publicly traded organizations. Based on business here in the United States – who can name a few regulatory bodies that directly relate to financial management?

2) What exactly is risk aversion and can it relate to cultural differences? Even if you have never been overseas – can you give an example of this here in the United States?

3) I believe that we all know what currency is – think about having a United States dollar in hand. From a financial management standpoint, why is it important to understand currency fluctuations? What are some of the key factors that cause fluctuation?