Peoples’ Savings Bank, a thrift institution, has a cumulative gap for the coming year of +$145 million and interest rates are expected to fall by 3.5 percentage points.

(1) What is the expected change in net interest income that this thrift institution might experience?

(2) What change will occur in net interest income if interest rates rise by 1.5 percentage points?

A sample of 1600 computer chips revealed that 47% of the chips fail in the first 1000 hours of their use. The company's promotional literature states that 44% of the chips fail in the first 1000 hours of their use. The quality control manager wants to test the claim that the actual percentage that fail is different from the stated percentage. Is there enough evidence at the 0.01 level to support the manager's claim?

3. Assuming the following yields: Week 1: 3.84% Week 2: 3.51% Week 3: 3.95% (1) Compute the absolute yield change and percentage yield change from week 1 to week 2. (1.5 points) (2) Compute the absolute yield change and percentage yield change from week 2 to week 3. (1.5 points)

Assume a corporation has just paid a dividend of $ 3.52 per share. The dividend is expected to grow at a rate of 3.8% per year forever, and the discount rate is 6.9%. What is the Capital Gains yield of this stock? Enter your answer as a percentage, rounded to 1 decimal, and without the percentage sign. So, if your answer is 0.05678, just enter 5.7.

1. 2. 3. Explain the law of diffusion and innovation. Name and define the categories and list the percentage of people that Simon Sinek discussed with his bell curve. What percentage market penetration is the tipping point for mass market success? How do you “cross that chasm” for cultural change? Explain the technique used by Simon Sinek for the Millennial Training Program.

It's NOT letting me upload a photo. I don't know why. Maybe you can google a photo? I'm sorry. Didn't think this would be such a hassle.

Required Prepare a vertical analysis of both the balance sheets and income statements for 2019 and 2018.  Analysis Bal Sheet Analysis Inc Stmt  Complete this question by entering your answers in the tabs below. Prepare a vertical analysis of the balance sheets for 2019 and 2018. (Percentages may not add exactly due to rounding. Round your answers to 2 decimal places. (i.e., .23 should be entered as 23.45).) Analysis Bal Sheet Analysis Inc Stmt $ $ $ $ $ $ $ $ MUNOZ COMPANY Vertical Analysis of Balance Sheets 2019 2018 Amount Percentage of Total Amount Percentage of Total

Assets

Current assets

Cash 16,900 2.95 % 13,900 %

Marketable securities 21,600 7,500

Accounts receivable (net) 56,000 46,600

Inventories 135,600 143,600

Prepaid items 25,900 11,600

Total current assets 256,000 223,200

Investments 27,000 21,100

Plant (net) 271,400 255,900

Land 29,300 25,800

Total long-term assets 327,700 302,800

Total assets 583,700 526,000

Liabilities and stockholders' equity

Liabilities

Current liabilities

Notes payable 16,800 4,200

Accounts payable 113,600 99,800

Salaries payable 19,100 13,900

Total current liabilities 149,500 117,900

Noncurrent liabilities

Bonds payable 99,400 99,400

Other 30,800 26,900

Total noncurrent liabilities 130,200 126,300

Total liabilities 279,700 244,200

Stockholders' equity

Preferred stock (par value $10, 4% cumulative, nonparticipating; 6,000 shares authorized and issued 6)0,000 60,000

Common stock (no par; 50,000 shares authorized; 10,000 shares issued) 60,000 60,000

Retained earnings 184,000 161,800

Total stockholders' equity 304,000 281,800

Total liabilities & stockholders’ equity 583,700 % 526,000 %

I need 2019 percentages of sale which is first. Then 2018 percentage of sale which is the row of second numbers (going down).

Required Prepare a vertical analysis of both the balance sheets and income statements for 2019 and 2018.  Analysis Bal Sheet Analysis Inc Stmt  Complete this question by entering your answers in the tabs below. Prepare a vertical analysis of an income statements for 2019 and 2018. (Percentages may not add exactly due to rounding. Round your answers to 2 decimal places. (i.e., .2345 should be entered as 23.45).) Analysis Bal Sheet Analysis Inc Stmt $ $ $ $ MUNOZ COMPANY Vertical Analysis of Income Statements 2019 2018 Amount Percentage of Sales Amount Percentage of Sales

Revenues Sales (net) 230,800 % 211,700 %

Other revenues 8,800 5,900

Total revenues 239,600 217,600

Expenses

Cost of goods sold 119,200 102,400 Selling, general, and administrative expense 53,800 49,500

Interest expense 7,000 6,200

Income tax expense 23,000 22,000

Total expenses 203,000 180,100

Net income 36,600 % 37,500 %

I need 2019 percentages of sale which is first. Then 2018 percentage of sale which is the row of second numbers (going down).

A conducting ball is neutralized and then electrically isolated.  A + 3.0 μ C charge is then placed near the conducting ball without touching it.

After the charge is brought in, the net charge on the conducting ball will be                            [ Select ]                       ["zero", "positive", "negative"]         .  The surface charge density will be                            [ Select ]                       ["zero", "positive", "negative"]         at points on the conducting ball nearest to the + 3.0 μ C charge, and will be                            [ Select ]                       ["zero", "positive", "negative"]         at points on the conducting ball farthest from the + 3.0 μ C charge.  The net electrical force acting on the + 3.0 μ C charge will be                            [ Select ]                       ["zero", "directed towards the ball", "directed away from the ball"]         .

                           [ Select ]                       ["None", "One", "Two", "Three", "All four"]         of the correct answers above will remain true if the conducting ball were replaced by a non-conducting ball of the same radius and distance to the + 3.0 μ C charge.  The surface charge density of the non-conducting ball will be
Choose one:                            [ Select ]                       ["(A)", "(B)", "(C)", "(D)"]      

Expand Your Critical Thinking 24-02 a-d Ana Carillo and Associates is a medium-sized company located near a large metropolitan area in the Midwest. The company manufactures cabinets of mahogany, oak, and other fine woods for use in expensive homes, restaurants, and hotels. Although some of the work is custom, many of the cabinets are a standard size. One such non-custom model is called Luxury Base Frame. Normal production is 1,000 units. Each unit has a direct labor hour standard of 5 hours. Overhead is applied to production based on standard direct labor hours. During the most recent month, only 1,060 units were produced; 4,500 direct labor hours were allowed for standard production, but only 4,000 hours were used. Standard and actual overhead costs were as follows. Standard (1,000 units) Actual (1,060 units) Indirect materials $ 14,600 $ 15,000 Indirect labor 52,400 62,200 (Fixed) Manufacturing supervisors salaries 27,400 26,800 (Fixed) Manufacturing office employees salaries 15,800 15,200 (Fixed) Engineering costs 32,900 30,500 Computer costs 12,200 12,200 Electricity 3,000 3,000 (Fixed) Manufacturing building depreciation 9,700 9,700 (Fixed) Machinery depreciation 3,600 3,600 (Fixed) Trucks and forklift depreciation 1,800 1,800 Small tools 900 1,700 (Fixed) Insurance 600 600 (Fixed) Property taxes 400 400 Total $175,300 $182,700

Calculate the 1) total overhead variance, 2) controllable variance, and 3) volume variance. (Round variable overhead to 2 decimal places and final answers to 0 decimal places, e.g. 1,575.)