A company, United Consumers, is considering the option of replacing its employer provided insurance plan with what is known as Consumer Directed Health Plan (CDHP). Under this new plan, the company would provide its employees with a sum of money so that the employees can purchase their health plan form the online marketplace. This plan is based on the belief that employees tend to behave more responsibly if they have to spend their own money as consumers. According to a recent study, a market research firm found that generally 41% of the employees (who had the option to choose HDHP) chose HDHP as their choice over their traditional employer sponsored plan. The company, United Consumers, employs 290 people. In order to find out the acceptance of CDHP among its employees, a random sample of 40 employees was selected. Compute the following based on this information:

a. What is the probability that 18 or more employees from this sample chose CDHP as their choice?b. What is the probability that between 17 and 22 employees from this sample chose CDHP as their choice?

At a student café, there are equal numbers of two types of customers with the following values. the café owner cannot distinguish between the two types of students because many students without early classes arrive early anyway (i.e., she cannot price-discriminate). students with early classes students without early classes coffee 70 60 banana 51 101 the marginal cost of coffee is 10 and the marginal cost of a banana is 40. the café owner is considering three pricing strategies: 1. mixed bundling: price bundle of coffee and a banana for 161, or just a coffee for 70. 2. price separately: offer coffee at 60, price a banana at 101. 3. bundle only: coffee and a banana for 121. do not offer goods separately. assume that if the price of an item or bundle is no more than exactly equal to a student's willingness to pay, then the student will purchase the item or bundle. for simplicity, assume there is just one student with an early class, and one student without an early class. price strategy revenue from pricing strategy cost from pricing strategy profit from pricing strategy 1. mixed bundling $ $ $ 2. price separately $ $ $ 3. bundle only $ $ $ pricing strategy yields the highest profit for the café owner.

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Carmen’s beauty salon has estimated monthly financing requirements for the next six months as follows: january $ 9,000 april $ 9,000 february 3,000 may 10,000 march 4,000 june 5,000 short-term financing will be utilized for the next six months. projected annual interest rates are: january 9 % april 16 % february 10 may 12 march 13 june 12 what long-term interest rate would represent a break-even point between using short-term financing and long-term financing?