Sachs Brands’ defined benefit pension plan specifies annual retirement benefits equal to: 1.6% × service years × final year’s salary, payable at the end of each year. Angela Davenport was hired by Sachs at the beginning of 2004 and is expected to retire at the end of 2038 after 35 years’ service. Her retirement is expected to span 18 years. Davenport’s salary is $90,000 at the end of 2018 and the company’s actuary projects her salary to be $240,000 at retirement. The actuary’s discount rate is 7%. (FV of $1, PV of $1, FVA of $1, PVA of $1, FVAD of $1 and PVAD of $1) (Use appropriate factor(s) from the tables provided.)

Required:
2. Estimate by the projected benefits approach the amount of Davenport's annual retirement payments earned as of the end of 2018.
3. What is the company's projected benefit obligation at the end of 2018 with respect to Davenport? (Do not round intermediate calculations. Round your final answer to nearest whole dollar.)
4. If no estimates are changed in the meantime, what will be the company's projected benefit obligation at the end of 2021 (three years later) with respect to Davenport? (Do not round intermediate calculations. Round your final answer to nearest whole dollar.)

Maria is an investor and over the years has acquired and disposed of a number of assets. She has kept records of all these transactions. During the year ended 30 June 2020, Maria disposed of several assets. As a result of these disposals, she made a number of capital gains and losses:

Profit on sale of trading stock $15000   

Loss on Disposal of motor vehicle $(5000)

Gain on Disposal of vacant block of land (acquired 1/9/19) $17000

Gain on sale of shares $4525

Loss on sale of shares $(2630)

Loss on Disposal of the caravan (cost $25000) $(5000)

Loss on Disposal of the antique watch (cost $4000) $(560)

Gain on Disposal of the investment property (acquired 24/12/2004) $162000

Capital losses carried forward from previous years:

Loss on Disposal of painting $1200

Loss on Disposal of Shares $12000

All assets, other than the land, had been owned by Maria for more than 12 months and had been acquired since December 1999.

Required:

Calculate the net capital gain that Maria should include in her tax return for the year ended 30 June 2020 and any losses that can be carried forward to future years.

Hans is a body-builder who owns and operates a health club in Freedonia, where he teaches body-building, weight-lifting, and strength exercises. In 1995, Hans wrote and obtained a copyright for a body-building manual entitled Pump You Up. In 2019, Hans learned that Franz, who lives and works in Sylvania (a state located 1,500 miles from Freedonia), was selling photocopies of Pump You Up over a website for profit without permission. Franz sold several copies of Pump You Up to Freedonia residents, gross Freedonia sales only $500.00 from 2004 to 2019.

Hans sues Franz in Freedonia court for copyright infringement, claiming that Franz is subject to personal jurisdiction in Freedonia bassed on Freedonia’s long-arm statute, which reads:

“A court may exercise personal jurisdiction over any non-domiciliary, or his executor or administrator, who in person or through an agent, transacts any business within the state or contracts anywhere to supply goods or services in the state.”

Franz has no office, employees, property, or bank accounts in Freedonia.

Does the Freedonia court have personal jurisdiction over Franz, making him subject to the lawsuit?

The admissions data for freshmen at a college in the past 10 years are as follows:

1. Plot the number of applications.
2. Develop a trend model to forecast the number of applications for next year. Calculate the R² of that model and the estimated number of applications for the next year.
3. Plot the percentage of acceptances relative to the number of offers made (acceptance yield).
4. Develop a trend model to forecast next year’s acceptance yield. Calculate the R² of that model and the estimated yield for next year.
5. Assume that the college is planning for an entering class of 5,000 freshmen for each of the next two years and a class of 5,300 in the following year. What is the number of offers it should make in each year? Is it getting tougher to get into this college?

use excel AND SHOW EXCEL FORMULAS

Assume that your uncle holds just one stock, East Coast Bank (ECB), which he thinks has very little risk. You agree that the stock is relatively safe, but you want to demonstrate that his risk would be even lower if he were more diversified. You obtain the following returns data for West Coast Bank (WCB). Both banks have had less variability than most other stocks over the past 5 years.

Year                 ECB                  WCB

2004                 40.00%            40.00%

2005 -              10.00%            15.00%

2006                 35.00%            -5.00%

2007                 -5.00%             -10.00%

2008                 15.00%            35.00%

a. What is the expected return and risk of each stock?

b. Measured by the standard deviation of returns, by how much would your uncle's risk have been reduced if he had held a portfolio consisting of 60% in ECB and the remainder in WCB? In other words, what is the difference between portfolio's standard deviation and weighted average of components' standard deviations? (Hint: check the example on page 11-12 on my note).

If this problem can be done using excel, in a way that I can understand the steps I need to take as I go.

Can you write this program, but in python, I just wanna see what am I doing wrong. thank you

Instructions: The Gas-N-Clean Service Station sells gasoline and has a car wash. Fees for the car wash are $1.25 with a gasoline purchase of $10.00 or more and $3.00 otherwise. Three kinds of gasoline are available: regular at $2.89, plus at $3.09, and super at $3.39 per gallon.

User Request: Write a program that prints a statement for a customer.

Analysis: Input consists of number of gallons purchased (R, P, S, or N for no purchase), and car wash desired (Y or N). Gasoline price should be program defined constant. Sample output for these data is

Enter number of gallons and press <Enter> 9.7

Enter gas type (R, P, S, or N) and press <Enter> R

Enter Y or N for car wash and press Y

************************************** * *

* Gas-N-Clean Service Station *

* March 2, 2004 *

* * * **************************************

Amount Gasoline purchases 9.7 Gallons

Price pre gallons $ 2.89

Total gasoline cost $ 28.03

Car wash cost $ 1.25

Total due $ 29.28

Thank you for stopping

Please come again

Remember to buckle up and drive safely

Should we give heroin addicts heroin to cut crime?

A recent article in the BBC ( Durham Police to give drug addicts heroin in bid to cut crime (Links to an external site.)) it was suggested that heroin addicts be given the Class A drug in supervised "shooting galleries" to Durham England addicts in a bid to tackle drug-related crime.

"Durham Police is to become the first force in the country (UK) to introduce a scheme in which users are treated with diamorphine - medical grade heroin.
Ron Hogg, County Durham's Police, Crime and Victims' Commissioner, says such treatment lowers offending levels.
Opponents claim trials have not shown significant benefits.
Mr Hogg told BBC Newcastle existing national policies had not been effective and pointed to six-year trials in Darlington, London and Brighton which he said had helped wean users off the drug.
Addicts were given the opiate in consumption rooms, often referred to as "shooting galleries", supervised by medical professionals.
"It got them back into a normal life and it cut crime," he said.
"We saw health benefits for the individuals, we saw needles being taken off the street, so there's an awful lot of evidence both in the UK and across the world that such schemes do actually work.
"All police and crime commissioners spend a lot of money on what we call diversionary work - community projects and youth offending schemes - because we know this will stop people committing crime.
"This is just an extension of that rationale. The controversiality is because it's drugs."
'Not unusual'
Mr Hogg said the UK had the highest rate of heroin, cocaine and ecstasy use across the European Union with drug-induced deaths totalling 45 people per million compared with 17 per million in the EU.
Aiming to introduce the scheme "by the end of this year", he added the force's public health partners were working out the cost of administering the drug to users twice-daily.
He previously mooted such a move in 2013.

"If we go back to the 1960s, doctors used to prescribe heroin as a means of treating someone back to recovery. It's not that unusual," he said.
"We've got to consider the Misuse of Drugs Act has been in since 1971 and we haven't arrested the way out of the problem, have we?"
A Home Office spokesman said there was evidence "supervised use of [diamorphine] in a medical environment as part of a treatment plan can help keep patients in treatment and out of criminal behaviour".
However, David Raynes of the National Drug Prevention Alliance, warned the move "will not stop addicts being addicts".
"It doesn't stop people using street drugs," he said.
"It may reduce crime marginally, but it doesn't reduce crime permanently."

Discussion Question

Working together as a group, design a study to address whether this method is effective or not in reducing crime due to heroin addiction. Ron Hogg of  County Durham's Police believes it works while  David Raynes of the National Drug Prevention Alliance is skeptical. Your job is to help settle the argument using a statistical study. You will need to address the following in your write up:

1. What is the population of interest?
2. What are the null and alternate hypotheses of your study?
3. What data type will you be collecting in this study (numerical or categorical)?
4. How would you collect the data needed to decide which hypothesis to support?
5. How would you make sure the data collected is representative of the population of interest and not biased?
6. Specifically, what tools would you use to analyze the data? You need to give the names of any plots/graphs that would be useful and the type of hypothesis test that would be used to settle the argument between Mr. Hogg and Mr. Raynes.
7. Based on what hypothesis test you selected in part 6, what assumptions need to be check prior to using said test?
8. Let's assume your study resulted in the data being statistically significant. Which hypotheses would have been supported? Give a possible p-value for this result. If an error had occurred, which type (Type I or Type II) could it have been?
9. Let's assume your study resulted in the data NOT being statistically significant. Which hypotheses would have been supported? Give a possible p -value for this result.  If an error had occurred, which type (Type I or Type II) could it have been?

Should we give heroin addicts heroin to cut crime?

A recent article in the BBC ( Durham Police to give drug addicts heroin in bid to cut crime (Links to an external site.)) it was suggested that heroin addicts be given the Class A drug in supervised "shooting galleries" to Durham England addicts in a bid to tackle drug-related crime.

"Durham Police is to become the first force in the country (UK) to introduce a scheme in which users are treated with diamorphine - medical grade heroin.
Ron Hogg, County Durham's Police, Crime and Victims' Commissioner, says such treatment lowers offending levels.
Opponents claim trials have not shown significant benefits.
Mr Hogg told BBC Newcastle existing national policies had not been effective and pointed to six-year trials in Darlington, London and Brighton which he said had helped wean users off the drug.
Addicts were given the opiate in consumption rooms, often referred to as "shooting galleries", supervised by medical professionals.
"It got them back into a normal life and it cut crime," he said.
"We saw health benefits for the individuals, we saw needles being taken off the street, so there's an awful lot of evidence both in the UK and across the world that such schemes do actually work.
"All police and crime commissioners spend a lot of money on what we call diversionary work - community projects and youth offending schemes - because we know this will stop people committing crime.
"This is just an extension of that rationale. The controversiality is because it's drugs."
'Not unusual'
Mr Hogg said the UK had the highest rate of heroin, cocaine and ecstasy use across the European Union with drug-induced deaths totalling 45 people per million compared with 17 per million in the EU.
Aiming to introduce the scheme "by the end of this year", he added the force's public health partners were working out the cost of administering the drug to users twice-daily.
He previously mooted such a move in 2013.

"If we go back to the 1960s, doctors used to prescribe heroin as a means of treating someone back to recovery. It's not that unusual," he said.
"We've got to consider the Misuse of Drugs Act has been in since 1971 and we haven't arrested the way out of the problem, have we?"
A Home Office spokesman said there was evidence "supervised use of [diamorphine] in a medical environment as part of a treatment plan can help keep patients in treatment and out of criminal behaviour".
However, David Raynes of the National Drug Prevention Alliance, warned the move "will not stop addicts being addicts".
"It doesn't stop people using street drugs," he said.
"It may reduce crime marginally, but it doesn't reduce crime permanently."

Discussion Question

Working together as a group, design a study to address whether this method is effective or not in reducing crime due to heroin addiction. Ron Hogg of  County Durham's Police believes it works while  David Raynes of the National Drug Prevention Alliance is skeptical. Your job is to help settle the argument using a statistical study. You will need to address the following in your write up:

1. What is the population of interest?
2. What are the null and alternate hypotheses of your study?
3. What data type will you be collecting in this study (numerical or categorical)?
4. How would you collect the data needed to decide which hypothesis to support?
5. How would you make sure the data collected is representative of the population of interest and not biased?
6. Specifically, what tools would you use to analyze the data? You need to give the names of any plots/graphs that would be useful and the type of hypothesis test that would be used to settle the argument between Mr. Hogg and Mr. Raynes.
7. Based on what hypothesis test you selected in part 6, what assumptions need to be check prior to using said test?
8. Let's assume your study resulted in the data being statistically significant. Which hypotheses would have been supported? Give a possible p-value for this result. If an error had occurred, which type (Type I or Type II) could it have been?
9. Let's assume your study resulted in the data NOT being statistically significant. Which hypotheses would have been supported? Give a possible p -value for this result.  If an error had occurred, which type (Type I or Type II) could it have been?

In what ways was the Second Great Awakening a response to the Market Revolution?

Was it in opposition to the Market Revolution? How did it take advantage of social, economic, and cultural changes of the Market Revolution?

What brain areas are associated with memory consolidation and different types of memory (declarative, procedural, working, etc)?

in detail please

What changes in the brain occur with learning?

in detail