Last year, ABC insurance company had a combined ratio of 101.7 and lost $7.8 million on it’s insurance products. The company still had to pay income taxes that year. The best explanation for this potential contradiction is

A. Investment income

B. Increased unearned premium

C. Increased LAE

D. Increased loss reserves

The effects of smoking on human performance was investigated using three tasks that differed in the level of cognitive processing that was required to perform them, with different participants serving in each task.

Pattern recognition task - participants had to locate a target on a screen

Cognitive task - participants were required to read a passage and then recall it at a later time

Driving simulation video game

In each case the dependent variable was the number of errors that the participant committed.

Participants were further divided into three Smoking groups

Group AS was composed of people who actively smoked during or just before carrying out the task.

Group DS participants were regular smokers who had not smoked for 3 hours before the task (D stands for delay).

Group NS were nonsmokers.

Pattern Recognition

NS: 9   8   12   10   7   10   9   11   8   10   8   10   8   11   10

DS:   12   7   14   4   8   11   16   17   5   6   9   6   6   7   16

AS:   8   8   9   1   9   7   16   19   1   1   22   12   18   8   10

Cognitive Task

NS:   27   34   19   20   56   35 23   37   4   30   4   42   34   19 49

DS: 48   29   34   6   18   63   9   54   28   71   60   54   51   25 49

AS: 34 65 55 33 42 54 21 44 61 38 75 61 51 32 47

Driving Simulation

NS: 15   2   2   14   5   0   16   14   9   17   15   9   3   15   13

DS: 7   0   6   0   12   17   1   11   4   4   3   5   16   5   11

AS:3   2   0   0   6   2   0   6   4   1   0   0   6   2   3

Compute a 3 (Smoking Group) x 3 (Task) ANOVA

Can one of you PLEASE explain how to put the 3 dependent variables into one column in SPSS?? I don't need help with the analysis.

Micro Bike Company has short term investments of $50, debt of $1,500, and preferred stock of $200. The equity of the Micro Bike has 100 shares. The company forecasts the following:

a. What is the Present Value of Free Cash Flows?

b.What is the Present Value of the Horizon Value?

c. What is the estimated intrinsic value of the equity?

d. What is the estimated intrinic stock price?

plase show work ( the last colums is year 2019)

1. You are an investor evaluating a project which is going to take 8 years. The project will pay $500,000 at the beginning of each year starting a year from now. These payments will grow at 2% for the first two years, then 3.5% for the following two years and then stay consistent at 4% until the end of the project. In the last year of the project you will receive a lump sum of $1 million while also paying a lump sum of $200,000. If your expected retrun on this project is 12.5%, what is the PV of the project?

An amusement park studied methods for decreasing the waiting time (minutes) for rides by loading and unloading riders more efficiently. Two alternative loading/unloading methods have been proposed. To account for potential differences due to the type of ride and the possible interaction between the method of loading and unloading and the type of ride, a factorial experiment was designed. Use the following data to test for any significant effect due to the loading and unloading method, the type of ride, and interaction. Use a= 0.05 . Factor A is method of loading and unloading; Factor B is the type of ride.

Set up the ANOVA table (to whole number, but p-value to 2 decimals and F value to 1 decimal, if necessary).

1. Given the list values = [], write code that fills the list with each set of numbers below. Note: use loops if it is necessary

1. 1 2 3 4 5 6 7 8 9 10
2. 0 2 4 6 8 10 12 14 16 18 20
3. 1 4 9 16 25 36 49 64 81 100
4. 0 0 0 0 0 0 0 0 0 0
5. 1 4 9 16 9 7 4 9 11
6. 0 1 0 1 0 1 0 1 0 1
7. 0 1 2 3 4 0 1 2 3 4

2. Write a function that takes a tuple as an argument and returns the tuple sorted.

3. Write a statement that creates a dictionary containing the following key-value pairs:

'a' : 1

'b' : 2

'c' : 3

4. After the following code executes, what elements will be members of set3, ?

set1 = set([10, 20, 30, 40])

set2 = set([40, 50, 60])

set3 = set1.union(set2)

set4 = set1.intersection(set2)

set5= set1.difference(set2)

A shoe factory in Athens sells shoes for $50 per pair. The last worker hired produced an additional 8 pairs of shoes, and was paid $100 per hour.

(a) Should the rm hire more workers, re some workers, or keep the same number of workers? Explain why.

(b) Suppose one of the factory's machines breaks and cannot be replaced. Comment on how this will aect the productivity of each worker, and how this would aect the hiring decision of the factory. (Consider how the loss of the machine will aect the marginal product of labor.)