Joan rothman works in the marketing department of roerich & co, a designer apparel company, where she has earned the reputation of being a capable yet friendly manager. when employees go to her with a new design idea or a personal problem, she hears them out and provides potential solutions and relevant feedback to ensure that she and the employee have the same understanding of the matter being communicated. joan is a(n) listener

In a fixed-term, level-payment reverse mortgage, sometimes called a reverse annuity mortgage, or ram, a lender agrees to pay the homeowner a monthly payment, or annuity, and expects to be repaid from the homeowner’s equity when he or she sells the home or obtains other financing to pay off the ram. consider a household that owns a $150,000 home free and clear of mortgage debt. the ram lender agrees to a $100,000 ram for 10 years at 6 percent. assume payments are made annually, at the beginning of each year to the homeowner. calculate the annual payment on the ram.