1)if an interest rate is fixed that means the rate
a. is adjustable.
b. can go up or down based on factors in the credit market.
c. will stay the same during the entire term of the loan.
d. transfers part of the interest risk from the lender to the borrower.
2)small business loans are easier to get if
a. the owner has a lot of his own money invested in the business.
b. the owner has a high ratio of debt to equity.
c. the equity investment is low.
d. the business is partly owned by a larger business.
3)a typical mortgage term is:
a. 5 years
b. 72 months
c. 3 years
d. 20 years
4)the preferred debt-to-income ratio is usually:
a. 28 percent
b. 36 percent
c. 40 percent
d. 50 percent
5)a typical payday loan carries an interest rate of about:
a. 400 percent
b. 31 percent
c. 12 percent
d. 7 percent

The proliferation of bittorrent and other file sharing media have threatened the copyright system. based on an understanding of incentives and opportunity cost, how are the decisions of musicians likely impacted?

When paul o’neill joined alcoa as ceo, he set a , that there would be zero workplace accidents. a lot of people in the organization thought this was impossible given how dangerous some aluminum-manufacturing jobs are, but alcoa’s safety record improved tremendously. as the board of governors of the american red cross considers planning, one option is to make strategic plans and then direct managers to align tactical and operational plans accordingly. another option is to have planning specialists managers across the organization make their own plans. why might this organization’s executives opt for the latter approach? check all that apply. (a) the environment is a dynamic one, and department and frontline managers can come up with more responsive plans than can central leadership. (b)resources will be better coordinated across the organization in support of the overall strategy.(c) senior leadership will have more control over the organization’s direction. (d)when managers come up with their own plans, they are likely to be more committed to following through on them.

Differentiate between the trait, behavioral, and results-based performance appraisal systems, providing an example where each would be most applicable.