If mortgage rates decline significantly, borrowers may decide to prepay the principal on their loan even if they face prepayment penalties. one way that lenders protect themselves from prepayments in such circumstances is by requiring the borrower who prepays to purchase for the lender a set of u. s. treasury securities whose coupon payments replicate the cash flows the lender will lose as a result of the early retirement of the mortgage. this process is referred to as?

Opinion polls reveal that many people believe that the military buildup of the 1980s came at the expense of pressing domestic problems such as environmental pollution and deteriorating educational and transportation infrastructure. in short, people are becoming aware of

Which beliefs and principles in the declaration of independence and the u.s. constitution create a national identity? a.) belief in god, allegiance to popular sovereignty, and states’ rights. b.) free enterprise system, free trade system, and separation of powers. c.) individual freedom, political equality, and unalienable rights. d.) powerful executive branch, judicial review, and bicameral legislature.

Acriterion for waiving informed consent is that, when appropriate, subjects are provided additional pertinent information after the study. in which of the following studies would it not be appropriate to provide subjects with information about missing elements of consent: a study in which researchers told students that they would be given a quiz after reading some study materials when the researchers did not intend to use a quiz, but were attempting to focus subjects’ attention on the material.a study in which subjects were told that they performed in the third quartile on an anagram task when in reality students were randomly assigned scores that were not related to their actual performance.a study in which subjects were assigned to study activities based on an undesirable or unflattering physical characteristic as assessed by members of the research team.a study involving decision-making games in which subjects were led to believe that they were interacting with another student in another room, but were actually interacting with a computer programmed to provide consistent responses to all subjects.