HELP ASAP PLEASE You are considering a 3/5 ARM. What does the 5 represent?
A. The number of years between adjustments in the interest rate
B. The interest rate of the initial, fixed-rate loan period
C. The total number of years in the loan
D. The number of years that a fixed interest rate will be applied to the
loan

Panera bread is a chain of cafes serving sandwiches, soups, and freshly baked breads. the company began in 1981 with stores primarily located along the east coast of the united states. since then, the firm has expanded to over 1,300 locations throughout the united states and canada. the firm has strong earnings and has been designated by business week as a "significant growth company." panera bread executives are considering the idea of expanding globally by opening cafes in asia through a franchising strategy. which of the following, if true, supports the argument that panera bread should expand into asia through franchising? a: the panera bread menu changes rapidly, and each cafe's artisan bread bakers receive regular training on new recipes. b: panera bread executives want fast access to the asian market without a significant investment of capital. c: panera bread executives want to test the asian market with a short-term commitment that allows them to make quick profits. d: the panera bread mission is to make excellent bread available to customers around the world.

Recent research into the relationship between ethical behavior and an employee's pay discovered that most companies base pay on

At the end of march, paul's painting hired five temporary employees to work on a project that began on april 5 and ended on april 28. paul's received 100% of the total payment for the project on may 3. in this situation, both accounting and gaap require that paul's recognize the employees' total salary expense in