22. nsrf a bank has the following liability and equity structure:
liability: factor: value:
demand deposits 90% $35
time deposits> 1 yr 90% $40
time deposits < 1 yr 100% $15
current debt 50% $60
long-term debt 100% $98
preferred stock 100% $25
common equity 100% $65
obs derivatives $220 loan commitments $67 standby locs calculate the bank's nsrf.

Under t, the point (0,2) gets mapped to (3,0). t-1 (x,y) →

Describe a real or made-up but possible example of a situation where an employee faces a conflict of interest. explain at least two things the company could do to make sure the employee won't be tempted into unethical behavior by that conflict of interest. (3.0 points)

Juanita and sam attend a beach party and notice that the local beach appears to have a great deal more trash washed up on shore than it did when they were young. the water doesn't appear nearly as clear, and there seems to be less evidence of small water creatures living in the shallows. an afternoon at the local library convinces them that one major cause is the new factory nearby. after some discussion, they decide their next step should be identifying the cause of the changes identifying the problem picketing the guilty factory lobbying their elected representatives to complain about the problem talking to a local environmental group about solutions