A loan company wants to design a database to track student loans. Each student attending school is eligible for a loan. A student may have more than one loan. A student may be registered, possibly at different times, in more than one school. Each loan should belong to only one bank. Each bank can approve as many loans as it desires. For each loan, the loan company will track: the student’s SSN, name, address, amount of loan, date of the loan, interest rate ( which may be different for each loan as determined by the bank), duration of the loan, monthly payment, remaining balance, school ID, school name and address, number of years the student has been at the school, bank name, bank branch, and bank ID. Draw an ER diagram. State any assumptions you make in the diagram. Note: You must use one of the automated database design tools such as: ER STUDIO ER Assistant Vision Enterprise or draw.io website.

Discussion Topic

Maya Korrapati was diagnosed with T1DM when she was 7 years old, and her appetite suddenly soared.
“She was a skinny little thing,” her mother says, “even though she kept eating and eating and eating. She had six hot dogs one day at a neighbor’s backyard barbecue, and I was so embarrassed. I asked my neighbor, ‘Why didn’t you stop her?’ but they all thought it was cute. It was then that I noticed she was constantly running into the kitchen all day for a drink. I just thought at first it was because—hey, you know—it was summer, after all, and Maya was a very, very active little girl. It was my sister who finally said, ‘Maybe you should just get that checked out. You know why.’ I guess up until then, I was in a kind of denial. So I took her, and, of course, she was diagnosed with T1DM.”

When Maya was first diagnosed, her mother was given instructions on how to administer conventional insulin therapy. Now, however, Maya is starting her freshman year of high school, and she is requesting a switch to an intensive insulin therapy regimen.

“I’ll be in school all day and going to after-school activities. I’m on the girls’ soccer team and I am determined to make varsity by my sophomore year. So, my eating is going to be kind of weird.”

Her mother clicks her tongue in frustration at this, and the two exchange unhappy looks.

After a pause, her mother says, “I think Maya’s anorexic.”

“What? No! Stop it, Mom. You’re embarrassing me.”

“I’m concerned,” Mrs. Korrapati says.

1. Now that Maya is gaining a little more independence and is spending a little more time away from home, she wants to switch her insulin regimen. What might be her rationale for this? Do you think switching her regimen is a good idea?

2. Mrs. Korrapati suspects that Maya may have an eating disorder. What kinds of signs might the nurse look for to determine whether this is the case?

3. Mrs. Korrapati reports that she and Maya frequently argue about Maya’s involvement in team sports.
“I’d feel better if she’d switch to art or playing a musical instrument. Of all the extracurricular activities you could have chosen,” she says to Maya, “why go with sports when you know you have diabetes?”
Maya becomes resistant when her mother talks like this.

She responds now, “It’s not a death knell, Mom, and I’m good. I want to make varsity and then work for a scholarship. Don’t you always talk about wanting me to get a good scholarship?”

“Not if it makes you sick,” her mother says.

Her mother has to admit that Maya has always been pretty healthy, despite her T1DM; and as far as anyone can tell, she has been responsible about diet, maintaining good blood glucose levels, and managing self-administration. Based on these facts, how should the nurse advise Maya and her mother?

Discussion Topic

Maya Korrapati was diagnosed with T1DM when she was 7 years old, and her appetite suddenly soared.
“She was a skinny little thing,” her mother says, “even though she kept eating and eating and eating. She had six hot dogs one day at a neighbor’s backyard barbecue, and I was so embarrassed. I asked my neighbor, ‘Why didn’t you stop her?’ but they all thought it was cute. It was then that I noticed she was constantly running into the kitchen all day for a drink. I just thought at first it was because—hey, you know—it was summer, after all, and Maya was a very, very active little girl. It was my sister who finally said, ‘Maybe you should just get that checked out. You know why.’ I guess up until then, I was in a kind of denial. So I took her, and, of course, she was diagnosed with T1DM.”

When Maya was first diagnosed, her mother was given instructions on how to administer conventional insulin therapy. Now, however, Maya is starting her freshman year of high school, and she is requesting a switch to an intensive insulin therapy regimen.

“I’ll be in school all day and going to after-school activities. I’m on the girls’ soccer team and I am determined to make varsity by my sophomore year. So, my eating is going to be kind of weird.”

Her mother clicks her tongue in frustration at this, and the two exchange unhappy looks.

After a pause, her mother says, “I think Maya’s anorexic.”

“What? No! Stop it, Mom. You’re embarrassing me.”

“I’m concerned,” Mrs. Korrapati says.

1. Now that Maya is gaining a little more independence and is spending a little more time away from home, she wants to switch her insulin regimen. What might be her rationale for this? Do you think switching her regimen is a good idea?

2. Mrs. Korrapati suspects that Maya may have an eating disorder. What kinds of signs might the nurse look for to determine whether this is the case?

3. Mrs. Korrapati reports that she and Maya frequently argue about Maya’s involvement in team sports.
“I’d feel better if she’d switch to art or playing a musical instrument. Of all the extracurricular activities you could have chosen,” she says to Maya, “why go with sports when you know you have diabetes?”
Maya becomes resistant when her mother talks like this.

She responds now, “It’s not a death knell, Mom, and I’m good. I want to make varsity and then work for a scholarship. Don’t you always talk about wanting me to get a good scholarship?”

“Not if it makes you sick,” her mother says.

Her mother has to admit that Maya has always been pretty healthy, despite her T1DM; and as far as anyone can tell, she has been responsible about diet, maintaining good blood glucose levels, and managing self-administration. Based on these facts, how should the nurse advise Maya and her mother?

Ryan International

In the world of skateboard attire, instinct and marketing savvy are prerequisites to success. Moogy Ellis had both. During 2015, his international skateboarding company, Ryan, rocketed to $900 million in sales after 10 years in business. His fashion line covered the skateboarders from head to toe with hats, shirts, pants, shorts, sweatshirts, socks, and shoes. In L.A., there was a Ryan shop every five or six blocks, each featuring a different color. Some shops showed the entire line in mauve, and others featured it in canary yellow.

Ryan had made it. The company’s historical growth was so spectacular that no one could have predicted it. However, securities analysts speculated that Ryan could not keep up the pace. They warned that competition is fierce in the fad fashion industry and that the firm might encounter little or no growth in the future. They estimated that stockholders also should expect no growth in future dividends.

Contrary to the conservative securities analysts, Moogy Ellis feels that the company could maintain a constant annual growth rate in dividends per share of 8% in the future, or possibly 10% for the next 2 years and 8% thereafter. Ellis based his estimates on an established long-term expansion plan into European and Latin American markets. Venturing into these markets is expected to cause the risk of the firm, as measured by the beta on its stock, to increase immediately from its current beta of 1.1 to a beta of 1.25.

In preparing the long-term financial plan, Ryan’s chief financial officer has assigned a junior financial analyst, Brad Harris, to evaluate the firm’s current stock price. He has asked Brad to consider the conservative predictions of the securities analysts and the aggressive predictions of the company founder, Moogy Ellis.

Mark has compiled these 2015 financial data to aid his analysis:

To Do (MUST SHOW ALL WORK & FORMULAS USED)

a. What is the firm’s current book value per share?

b. What is the firm’s current P/E ratio?

c.   (1) What is the current required return for Ryan stock (use CAPM)?

(2) What will be the new required return for Ryan stock assuming that they expand into European and Latin American markets as planned (use CAPM)?

d. If the securities analysts are correct and there is no growth in future dividends, what will be the value per share of the Ryan stock? (Note: use the new required return on the company’s stock here)

e.   (1) If Moogy Ellis’s predictions are correct, what will be the value per share of Ryan’s stock if the firm maintains a constant annual 8.0% growth rate in future dividends? (Note: Continue to use the new required return here.)

(2) If Moogy Ellis’s predictions are correct, what will be the value per share of Ryan’s stock if the firm maintains a constant annual 10% growth rate in dividends per share over the next 2 years and 8% thereafter? (Note: Use the new required return here.)

f. Compare the current (2015) price of the stock and the stock values found in parts a, d, and e. Discuss why these values may differ. Which valuation method do you believe most clearly represents the true value of the Ryan stock and WHY?

Ryan International

In the world of skateboard attire, instinct and marketing savvy are prerequisites to success. Moogy Ellis had both. During 2015, his international skateboarding company, Ryan, rocketed to $900 million in sales after 10 years in business. His fashion line covered the skateboarders from head to toe with hats, shirts, pants, shorts, sweatshirts, socks, and shoes. In L.A., there was a Ryan shop every five or six blocks, each featuring a different color. Some shops showed the entire line in mauve, and others featured it in canary yellow.

Ryan had made it. The company’s historical growth was so spectacular that no one could have predicted it. However, securities analysts speculated that Ryan could not keep up the pace. They warned that competition is fierce in the fad fashion industry and that the firm might encounter little or no growth in the future. They estimated that stockholders also should expect no growth in future dividends.

Contrary to the conservative securities analysts, Moogy Ellis feels that the company could maintain a constant annual growth rate in dividends per share of 8% in the future, or possibly 10% for the next 2 years and 8% thereafter. Ellis based his estimates on an established long-term expansion plan into European and Latin American markets. Venturing into these markets is expected to cause the risk of the firm, as measured by the beta on its stock, to increase immediately from its current beta of 1.1 to a beta of 1.25.

In preparing the long-term financial plan, Ryan’s chief financial officer has assigned a junior financial analyst, Brad Harris, to evaluate the firm’s current stock price. He has asked Brad to consider the conservative predictions of the securities analysts and the aggressive predictions of the company founder, Moogy Ellis.

Mark has compiled these 2015 financial data to aid his analysis:

To Do (MUST SHOW ALL WORK & FORMULAS USED)

a. What is the firm’s current book value per share?

b. What is the firm’s current P/E ratio?

c.   (1) What is the current required return for Ryan stock (use CAPM)?

(2) What will be the new required return for Ryan stock assuming that they expand into European and Latin American markets as planned (use CAPM)?

d. If the securities analysts are correct and there is no growth in future dividends, what will be the value per share of the Ryan stock? (Note: use the new required return on the company’s stock here)

e.   (1) If Moogy Ellis’s predictions are correct, what will be the value per share of Ryan’s stock if the firm maintains a constant annual 8.0% growth rate in future dividends? (Note: Continue to use the new required return here.)

(2) If Moogy Ellis’s predictions are correct, what will be the value per share of Ryan’s stock if the firm maintains a constant annual 10% growth rate in dividends per share over the next 2 years and 8% thereafter? (Note: Use the new required return here.)

f. Compare the current (2015) price of the stock and the stock values found in parts a, d, and e. Discuss why these values may differ. Which valuation method do you believe most clearly represents the true value of the Ryan stock and WHY?

Ryan International

In the world of skateboard attire, instinct and marketing savvy are prerequisites to success. Moogy Ellis had both. During 2015, his international skateboarding company, Ryan, rocketed to $900 million in sales after 10 years in business. His fashion line covered the skateboarders from head to toe with hats, shirts, pants, shorts, sweatshirts, socks, and shoes. In L.A., there was a Ryan shop every five or six blocks, each featuring a different color. Some shops showed the entire line in mauve, and others featured it in canary yellow.

Ryan had made it. The company’s historical growth was so spectacular that no one could have predicted it. However, securities analysts speculated that Ryan could not keep up the pace. They warned that competition is fierce in the fad fashion industry and that the firm might encounter little or no growth in the future. They estimated that stockholders also should expect no growth in future dividends.

Contrary to the conservative securities analysts, Moogy Ellis feels that the company could maintain a constant annual growth rate in dividends per share of 8% in the future, or possibly 10% for the next 2 years and 8% thereafter. Ellis based his estimates on an established long-term expansion plan into European and Latin American markets. Venturing into these markets is expected to cause the risk of the firm, as measured by the beta on its stock, to increase immediately from its current beta of 1.1 to a beta of 1.25.

In preparing the long-term financial plan, Ryan’s chief financial officer has assigned a junior financial analyst, Brad Harris, to evaluate the firm’s current stock price. He has asked Brad to consider the conservative predictions of the securities analysts and the aggressive predictions of the company founder, Moogy Ellis.

Mark has compiled these 2015 financial data to aid his analysis:

To Do (PLEASE COMPLETE PARTS A-F USING EXCEL - SHOW ALL FORMULAS USED)

1. What is the firm’s current book value per share?
2. What is the firm’s current P/E ratio?
3. (1) What is the current required return for Ryan stock (use CAPM)?

(2) What will be the new required return for Ryan stock assuming that they expand into European and Latin American markets as planned (use CAPM)?

d. If the securities analysts are correct and there is no growth in future dividends, what will be the value per share of the Ryan stock? (Note: use the new required return on the company’s stock here)

e.

(1) If Moogy Ellis’s predictions are correct, what will be the value per share of Ryan’s stock if the firm maintains a constant annual 8.0% growth rate in future dividends? (Note: Continue to use the new required return here.)

(2) If Moogy Ellis’s predictions are correct, what will be the value per share of Ryan’s stock if the firm maintains a constant annual 10% growth rate in dividends per share over the next 2 years and 8% thereafter? (Note: Use the new required return here.)

f. Compare the current (2015) price of the stock and the stock values found in parts a, d, and e. Discuss why these values may differ. Which valuation method do you believe most clearly represents the true value of the Ryan stock and WHY?

Ryan International

In the world of skateboard attire, instinct and marketing savvy are prerequisites to success. Moogy Ellis had both. During 2015, his international skateboarding company, Ryan, rocketed to $900 million in sales after 10 years in business. His fashion line covered the skateboarders from head to toe with hats, shirts, pants, shorts, sweatshirts, socks, and shoes. In L.A., there was a Ryan shop every five or six blocks, each featuring a different color. Some shops showed the entire line in mauve, and others featured it in canary yellow.

Ryan had made it. The company’s historical growth was so spectacular that no one could have predicted it. However, securities analysts speculated that Ryan could not keep up the pace. They warned that competition is fierce in the fad fashion industry and that the firm might encounter little or no growth in the future. They estimated that stockholders also should expect no growth in future dividends.

Contrary to the conservative securities analysts, Moogy Ellis feels that the company could maintain a constant annual growth rate in dividends per share of 8% in the future, or possibly 10% for the next 2 years and 8% thereafter. Ellis based his estimates on an established long-term expansion plan into European and Latin American markets. Venturing into these markets is expected to cause the risk of the firm, as measured by the beta on its stock, to increase immediately from its current beta of 1.1 to a beta of 1.25.

In preparing the long-term financial plan, Ryan’s chief financial officer has assigned a junior financial analyst, Brad Harris, to evaluate the firm’s current stock price. He has asked Brad to consider the conservative predictions of the securities analysts and the aggressive predictions of the company founder, Moogy Ellis.

Mark has compiled these 2015 financial data to aid his analysis:

To Do (Please Show Work & Include Formulas Used)

a. What is the firm’s current book value per share?

b. What is the firm’s current P/E ratio?

c.   (1) What is the current required return for Ryan stock (use CAPM)?

(2) What will be the new required return for Ryan stock assuming that they expand into European and Latin American markets as planned (use CAPM)?

d. If the securities analysts are correct and there is no growth in future dividends, what will be the value per share of the Ryan stock? (Note: use the new required return on the company’s stock here)

e.   (1) If Moogy Ellis’s predictions are correct, what will be the value per share of Ryan’s stock if the firm maintains a constant annual 8.0% growth rate in future dividends? (Note: Continue to use the new required return here.)

(2) If Moogy Ellis’s predictions are correct, what will be the value per share of Ryan’s stock if the firm maintains a constant annual 10% growth rate in dividends per share over the next 2 years and 8% thereafter? (Note: Use the new required return here.)

f. Compare the current (2015) price of the stock and the stock values found in parts a, d, and e. Discuss why these values may differ. Which valuation method do you believe most clearly represents the true value of the Ryan stock and WHY?

State whether or not the situation in each case is a probabilistic situation, and tell why. If it is not a probabilistic situation, reformulate the situation so that it is a probabilistic one.

a. the probability that the U.S. secretary of state is a woman.

b. the probability that a person will be able to read newspapers more intelligently after completing this course.

c. the probability that the soon-to-be-born baby of a pregnant Mrs. Johnson with two sons will be a girl

d. the probability that a woman's planned third child will be a girl, given the information that her first two children are boys.

e. the probability that it will snow tomorrow in this city

f. the probability that Joe ate pizza yesterday

State whether or not the situation in each case is a probabilistic situation, and tell why. If it is not a probabilistic situation, reformulate the situation so that it is a probabilistic one.

a. the probability that the U.S. secretary of state is a woman.

b. the probability that a person will be able to read newspapers more intelligently after completing this course.

c. the probability that the soon-to-be-born baby of a pregnant Mrs. Johnson with two sons will be a girl

d. the probability that a woman's planned third child will be a girl, given the information that her first two children are boys.

e. the probability that it will snow tomorrow in this city

f. the probability that Joe ate pizza yesterday