5. must an unfair or deceptive act or practice be intentional? a. yes. if the bank did not intend to deceive the customer, there is no violation b. no. courts and banking regulators consider the effect that the bank's conduct might possibly have on the general public or on the people to whom the bank advertised the product c. yes. but the customer must provide that the bank profited from the deceptive or unfair act d. no, unless the bank's regulatory disclosures are also unfair or deceptive

step-by-step explanation:

i found the life tables for the year 2012. 

life table of males at age 30. probability of dying between ages x and x+1

total population:  

29–30 . . . . . . . . . . . . 0.001030

30–31 . . . . . . . . . . . . 0.001061

males:  

29–30 . . . . . . . . . . . . 0.001420

30–31 . . . . . . . . . . . . 0.001448

white population

29–30 . . . . . . . . . . . . 0.001005

30–31 . . . . . . . . . . . . 0.001037

white males

29–30 . . . . . . . . . . . . 0.001372

30–31 . . . . . . . . . . . . 0.001399

non hispanic white population

29–30 . . . . . . . . . . . . 0.001083

30–31 . . . . . . . . . . . . 0.001116

non hispanic white males

29–30 . . . . . . . . . . . . 0.001477

30–31 . . . . . . . . . . . . 0.001503

jacob, non hispanic white male. 30 years old.

probability that jacob lives to be 30 years old. 

since the given probabilities are probabilities of dying, i think we simply subtract it from 1 to get the probability of living. we will use the probability of non hispanic white male.

                                          probability of living to be 30 y.o.

29 - 30 : 1 - 0.001477 = 0.998523

30 - 31 : 1 - 0.001503 = 0.998497

2

step-by-step explanation:

which would be true for stem changing verbs?

they have a consistent spelling change in the stem of the verb.

what is different about the verb “venir” as compared to other stem-changing verbs?

only the third person forms have a stem change.

which of the following could not be considered a “stem-changing” verb?

querer

which of the following would not be condsidered an event?

desfile

what word could be used in response to the following?

¿qué quieres comprar?

quero

what word could be used in response to the following?

¿dónde uds. pueden ir?

vamos  

ellos ir al centro comercial.

yo comprar un vestido.

pedimos

dónde tú?

dormes

step-by-step explanation:

soo this can be solve by using the formula:

f = p( 1 + i)^ n

where f is the future profit

p is the initial profit

i is the percent increase

n is the number of years

a . f = 30000 ( 1.05)^n

b. f = 30000 ( 1.05)^15

f = $62,368