3.

An individual who is XX, and secretes high testosterone levels from the adrenal glands during development, will have the following phenotype (morphology):

Select one:

a. testes and female-like genitalia

b. ovaries and male-like external genitalia, with only Wolffian duct differentiation

c. testes and male-like genitalia

d. ovaries and female-like genitalia

e. ovaries and partially masculinized external genitalia, with both Wolffian and Mullerian duct differentiation

4.

An individual who is XY, but does not produce 5 alpha reductase enzyme, will have the following phenotype (morphology):

Select one:

a. ovaries and female-like internal and external genitalia

b. testes and partially feminized external genitalia, with only Wolffian duct differentiation

c. testes and male-like external genitalia, with only Mullerian duct differentiation

d. testes and partially feminized external genitalia, with both Wolffian and Mullerian duct differentiation

e. ovaries at birth that become testes at puberty

We live in a society that venerates youth. As we grow older, our physical and cognitive abilities often begin to deteriorate, which can lead us searching for a way to return to our younger days. Think of all the lotions and potions available to keep us all looking and feeling young. It’s a billion dollar industry. TV, movies and magazines are filled with young people and often stereotype older adults. We are often surprised by people who “age well” because we’ve bought in to a particular idea of what it means to age in this country. My guess is that the older you are, the more you’ve noticed this.

Describe an individual who defies the stereotypes of aging. This can be a friend, relative or someone famous. Make sure to identify the stereotypes that this person has overcome. Include a photo, video, or article link if possible. Explain how this person has been able to defy the stereotypes associated with aging. What have they done that has helped them avoid the “typical” journey into late adulthood?

You are the Information Security Officer of Mahtmarg Manufacturing a small manufacturing company worth approximately $5 Million who provides fiber cable to local businesses, individual customers and to government organizations. In the course of the next eight weeks you will be creating your Information Security Plan (Issue-Specific Security Policy in Table 4-3 of the textbook) step by step using this scenario..

Your Task


Step 2: Develop the Authorized Uses section of your ISP

In this week’s Lab you will develop the Authorized Use section of your ISP to include:

Who can use the technology?

Define fair and responsible use.

Explain how the company will protect personal as well as proprietary information.

Include access to company systems from ‘outside connections’ (e.g. – public hotspot)

Question 1

A Japanese firm manufactures cars in the US. Assume that each car sells for $20,000 to a consumer in the US. Also assume that on each car the Japanese manufacturer earns $2000 in profits and remits those to the holding company in Japan. Assume that the car is manufactured with US made parts only.

What is the contribution of each car to the US GNP?

1. $ 18,000
2. $20,000
3. $22,000
4. $2,000

Question 2

A Japanese firm manufactures cars in the US. Assume that each car sells for $20,000 to a consumer in the US. Also assume that on each car the Japanese manufacturer earns $2000 in profits and remits those to the holding company in Japan. Assume that the car is manufactured with US made parts only.

What is the contribution of each car to the US GDP?

1. $20,000
2. $18,000
3. $22,000

Question 3

A nation that has been a net receipient of foreing investment is likely to have its GDP exceed its GNP.

1. True
2. False

Question 4

How would the following activity get counted in the GDP?

I purchase a used car from another individual (the car's current owner) for $2000. There are no other parties involved.

1. Since I am a consumer, the entire $2000 will count in the consumption spending of the GDP.
2. Since a car is a good that can be used for several years, the entire $2000 will count in the consumption spending component of the GDP
3. Since a car is an investment, the entire $2000 will count in the investment component of the GDP
4. Since this is a used car, none of the $2000 will count in the GDP.

Question 5

Consider the following scenario:

I purchase a used car from a used car dealer. The car's price is $2000. Out of that $2000, $400 constitutes the profits of the dealer. How would this trade enter the GDP?

1. The entire $2000 gets included in the consumption spending of the GDP.
2. Only the $400 dollar profit of the dealer will enter the GDP in the consumption account.
3. Only the $1600 difference will enter the GDP, the consumption account.
4. Nothing will enter into the GDP

Matt and Debra Pearson live in an upscale neighborhood in Orem, Utah. Matt is a partner in the family owned automotive painting business. Debra stays home with their son, Brady, who is four.

After visiting with their financial planner, the couple became concerned that they were spending too much and not putting enough funds aside for Brady’s future educational needs. Matt earns $95,000 per year, but with the rising costs of education, they are concerned.

Matt is an alumni of the University of California at Los Angeles (UCLA) with tuition and book expenses of approximately $17,000 per year today. Debra graduated from Utah Valley University. The expense for tuition and books there is currently estimated at about $6,700 per year. When Brady turns 18, the couple wishes to send him to one of these two exceptional universities. They have a slight preference for Utah Valley University. The problem, however, is that with the rate at which tuition is increasing the Pearson’s are not sure they can save enough money and they have decided they do not want to borrow to pay for Brady’s education.

Assume the tuition at both universities will increase at an annual rate of 5% from now until Brady finishes college. Living expenses are currently estimated at $11,000 per year at both schools. This expense is expected to grow at only 2.5% per year. Further assume that Pearson’s can deposit their money into a growth oriented mutual fund at the Salt Lake City based mutual fund company which has historically earned 9.5% per annum.

The couple wishes to save by having a pre-determined amount automatically withdrawn from their bank account at the end each month. They plan to contribute from now until Brady starts college. When Brady starts college, at the beginning of his freshman year, they will stop making contributions. They want to have enough in their account to cover all four years of college expenses when Brady starts college. Assume that the funds in the account will continue to earn a return while he is in college. They will make annual withdrawals from the account to cover both tuition and living expenses for Brady at the beginning of his freshman, sophomore, junior, and senior years. When the withdrawal for the senior year is made the account balance will be zero.

Complete an analysis and write a professional letter to the Pearson’s (who don’t understand finance) explaining the analysis you performed, why you performed it, what the results are, and your recommendations. Use the provided rubric in preparing your letter. In the letter and attached schedules provide information that discusses and answers the following questions.

What will be the tuition expense, living expense, and total expense for each of the four years that Brady will attend college? Provide the information for each University.

What amount will be needed in the account when Brady starts his freshman year if he attends UCLA? What amount if he attends UVU?

How much money will Matt and Debra have to deposit at the end of each month to allow Brady to attend UCLA? How much money will have to be deposited per month to allow Brady to attend Utah Valley University? Assume that Matt and Debra stop making deposits when Brady starts college.

The Pearson’s are concerned that given the current market situation the mutual fund will only earn 7.5% per year. If the return is only 7.5% how much will be needed in the account when Brady starts college and how much will have to be deposited per month for Brady to have sufficient funds to attend each school?

The data in the above table give the annual salary (Salary), number of years of employment (Years), employee's age (Age), and whether or not the employee has an MBA degree (1 = yes, 0 = no) for 15 workers in a particular industry and location.

In this location and industry, what is the predicted salary of a 40 year old employee who has 10 years of employment and holds an MBA degree? Use the MLR equation.

Question 7 options:

The data in the above table give the annual salary (Salary), number of years of employment (Years), employee's age (Age), and whether or not the employee has an MBA degree (1 = yes, 0 = no) for 15 workers in a particular industry and location.

At the 0.10 level of significance, are any of the predictor variables making a statistically significant contribution to predicting Salary?

Question 8 options:

The following data give the starting salary for students who recently graduated from a local university and accepted jobs soon after graduation. The starting salary, grade-point average (GPA), and major (business or other) are provided.

1. Using a computer, develop a regression model that could be used to predict starting salary based on GPA and major.
2. Use this model to predict the starting salary for a business major with a GPA of 3.0.
3. What does the model say about the starting salary for a business major compared to a nonbusiness major?
4. Do you believe this model is useful in predicting the starting salary? Justify your answer, using information provided in the computer output.

PLEASE SHOW EXCEL CALCULATIONS

In his own words, Daniel Jones was “The Dude.” With his waist-long dreadlocks, part-time rock band, and well-paid job managing a company’s online search directory—he seemed to have it all. Originally from Germany, Jones, now age 32, earned his doctorate and taught at the University of Munich before coming to the United States, where he started his career in computers. In 1996, Jones started working with the company as a director of operations for U.S.-Speech Engineering Service and Retrieval Technology—working on a new, closely guarded search engine tied to the company’s .net concept.

The company allows employees to order an unlimited amount of software and hardware, at no cost, for business purposes. Between December 2001 and November 2002, Jones ordered or used his assistant and other employees (including a high school intern) to order nearly 1,700 pieces of software which had very low cost but were worth a lot on the street. He then resold them for reduced prices— reaping millions. When items with a cost of goods sold of more than $1,000 are ordered, an e-mail is sent to the employee’s direct supervisor, who must click on an “Approve” button before the order is filled. In no individual order was the cost of goods more than 1,000—he made sure none of the orders required a supervisor’s approval. The loosely controlled internal ordering system reflects the trust the company puts in its employees.

In June, FBI agents said they saw Jones exchanging a large box of software for cash in a department store parking lot.

You are a newly hired fraud examiner. You have been asked to write a preliminary report on the Dude Case scenario based on the information presented in Units 1 to 4 and findings from your additional research.  Your essay should be 1,500 words. Word limit is not inclusive of bibliography and cover page

In your essay the following points must be addressed fully:

a) Determine if fraud was committed and if so describe the symptoms of fraud that might be evident to a fellow employee.

b) As discussed in one of the units, all frauds involve key elements. Identify and describe the elements of the Jones fraud.

c) In the scenario, Jones' employer has been putting more emphasis on controlling cost. With the slowing of overall technology spending, executives have ordered managers to closely monitor expenses and have given vice presidents greater responsibility for statements of financial positions. What positive or negative consequences might this pose to the company in future fraud prevention?

d) Describe the company's fraud prevention programme and identify any improvements that might be necessary.