Early in 2018, three large American-based global corporations (JPMorgan, Amazon, and Berkshire Hathaway) announced that they would work together on launching an independent healthcare company for their employees.

What could this mean for employer sponsored health care coverage as we currently know it?

What could this mean for the employees covered on this new "not necessarily non-profit" model?

Please describe in detail.

The Populist and Progressive reformers of the late 19th and early 20th centuries brought about widespread changes to American politics, economics, and society. In this essay, we want you to consider the ethics and civics of the reformers. Who were these reformers? What methods did they use to further their goals through civic engagement? What ethical considerations did they take into account in pushing reforms?

A stock price is currently $30. Each month for the next two months it is expected to increase by 8% or reduce by 10%. The risk-free interest rate is 5%. Use a two-step tree to calculate the value of a derivative that pays off [max(30 − ST ; 0)]2, where ST is the stock price in two months? If the derivative is American-style, should it be exercised early?

6.11 A stock index is currently 990, the risk-free rate is 5%, and the dividend yield on the index is 2%. Use a three-step tree to value an 18-month American put option with a strike price of 1,000 when the volatility is 20% per annum. How much does the option holder gain by being able to exercise early? When is the gain made?

As a global manager, create a scenario for analysis using the three-sector model: Real Loanable Funds Market, Real Goods Market, and the Foreign Exchange Market for Question A. There is no “set” answer here. You are the manager doing the analysis and setting up the scenario. Use your own assumptions.

A. In the post-World War II period, the economies of Japan and Germany were rebuilt, and both economies were able to achieve economies of scale in the steel and automobile industries. In the mid-1990s, India and China built labor-intensive industries in the apparel industry, followed by other labor intensive industries expanded through an export-led growth policy on the part of China. Vietnam followed this type of policy beginning in 1986. The country has achieved stable growth, low inflation, and increasing prosperity. In the early 2000s, South Korea became a major producer of automobiles, and also expanded production in technology and related consumer goods for export. Currently, High Income economies (using the World Bank GNI per capita classification system) in North America, Europe, and the Far East (the Triad Area) engage extensively in trade in consumer goods. We find that the current level of global exports is about $19 trillion. The trade between nations of the Triad Area represents about $9.5 trillion. In the euro-zone, there is a division between stronger nations (Germany and France, for example) compared to other nations facing significant macroeconomic problems (Greece and Spain, for example).

QUESTION 16

The stereotype image of Neandertal as a “brutish, ignorant caveman”  is based on:

1 points   

QUESTION 17

The short, muscular bodies of many Neanderthal populations, with short arms and legs,
             may indicate that they lived:

1 points   

QUESTION 18

The African Replacement Model (arguing that modern Homo sapiens
first appeared in              one place, and then spread out to other parts of the world) suggests that modern Homo sapiens:

1 points   

QUESTION 19

The Multiregional Evolution Model (which argues that modern Homo sapiens could have
            evolved/appeared in several different parts of the world) states that modern Homo sapiens:

The Criminalization of American Business

What do Bank of America, Citigroup, JPMorgan Chase, and Goldman Sachs have in common? All paid hefty fines for purportedly misleading investors about mortgage-backed securities. In fact, these companies paid the government a total of $50 billion in fines. The payments were made in lieu of criminal prosecutions.

Today, several hundred thousand federal rules that apply to businesses carry some form of criminal penalty. That is in addition to more than four thousand federal laws, many of which carry criminal sanctions for their violation. From 2000 to 2019, about 3,200 corporations either were convicted or pleaded guilty to violating federal statutes or rules.

Criminal Convictions

The first successful criminal conviction in a federal court against a company—the New York Central and Hudson River Railroad—was upheld by the Supreme Court in 1909 (the violation: cutting prices). Many other successful convictions followed.

One landmark case developed the aggregation test, now called the Doctrine of Collective Knowledge. This test aggregates the omissions and acts of two or more persons in a corporation, thereby constructing an actus reus and a men's rea out of the conduct and knowledge of several individuals.

Not all government attempts at applying criminal law to corporations survive. Courts have sometimes found insufficient evidence to show that a company acted with specific intent to commit a crime. Often, however, companies choose to reach settlement agreements with the government rather than fight criminal indictments.

Many Pay Substantial Fines in Lieu of Prosecution

More than four hundred corporations reached so-called non-prosecution agreements with the government from 2000 to the beginning of 2019. These agreements typically involve multimillion- or multibillion-dollar fines. This number does not include fines paid to the Environmental Protection Agency or to the Fish and Wildlife Service.

According to law professors Margaret Lemos and Max Minzner, “Public enforcers often seek large monetary awards for self-interested reasons divorced from the public interest and deterrents. The incentives are strongest when enforcement agencies are permitted to retain all or some of the proceeds of enforcement.”

Questions Presented

1 A. Why might a corporation’s managers agree to pay a large fine rather than to be indicted and proceed to trial?

B. How does a manager determine the optimal amount of legal research to undertake to prevent her or his company from violating the many thousands of federal regulations?

(At least 100 word response for each please)

Your friend Tiffany is taking a nutrition course at a local community college. She is having difficulty understanding the unit about the energy yielding pathways of carbohydrate, protein, and fat. Help her by discussing how the basic units of carbohydrate, protein, and fat are utilized in energy pathways to produce energy. Be thorough. Include their differences and similarities?

Variable Names: Year = year of manufacture, Cruise = best cruise speed (knots indicated air speed) at 65%-75% power, TotalHP = total horsepower (both engines if twin), NumBlades = number of propeller blades, Turbo = 1 if turbocharged, 0 otherwise

Using Cruise as the response variable and the other variables as predictor variables, use Minitab to perform the necessary regression calculations. Write a concise report answering the following questions. Insert tables and graphs in your report as appropriate.

1.      Use Minitab to perform multiple regression.   Use Cruise as the dependent variable, and the other variables, (Year, TotalHp, NumBlades, and Turbo) as predictor variables.

2.      Is multicollinearity a problem? Support your answer.

3.      Is the model significant? Support your answer. What does this tell you?

4.      Find the sample regression equation and interpret the coefficients in terms of the problem.

5.      Find and interpret the coefficient of determination.

6.      Test each regression coefficient for significance and interpret the results.

7. Which variable is the indicator (dummy) variable? Give and compare the sample regression equations for both levels of the dummy variable.

8.      Give a 95% confidence interval for average cruise speed for all airplanes manufactured in 1990, with 600 horsepower, 3 blades, and turbocharged. Interpret your interval. Give and interpret a 95% prediction interval using the same values.

9.      Examine the residual plots and discuss.