Imagine that you are a traveler from Mongol-ruled China who has traveled to Western Europe in the 1200s. Describe the customs and lifeways of medieval Europe in a way that would be familiar to a reader from medieval China.
Remember that your answer needs to be at least two paragraphs long. When you reply to a fellow student, write as though you are a medieval Central Asian Turk or Chinese person trying to understand the lifeways and customs of the medieval Europeans.
In: Civil Engineering
In: Nursing
Summarize how infection is cleared from the body of a patient who has been prescribed antibiotics that are bacteriostatic.
In: Biology
Sample A is from a 35 year old male who visited his GP complaining of chest pain during exercise. An ECG taken at rest was normal but ischaemic changes developed on exercise. A family history revealed that his father died of a heart attack at the age of 45 years. The laboratory test results for his fasting blood sample were as follows:
Analyte Patient values Reference range for fasting
blood sample
Sodium 139 135-145 mmol/L
Potassium 4.1 3.0-5.0 mmol/L
Total protein 69 65-80 g/L
Albumin 35 35-47 g/L
Calcium 9.3 9.0-10.5 mg/dl
Lactate dehydrogenase 250 90-190 IU/L
Creatine kinase 129 30-60 IU/L
Asparatate transaminase 70 < 40 IU/L
Gamma glutamyl transferase 30 < 50 IU/L
Total Bilirubin 13 0.4-15 μmol/L
Glucose 12 3.5-5.5 mmol/L
Fructosamine 351 205-285 μmol/L
Cholesterol
Total 7.2 <5.2mmol/L
HDL 1.4 >1.5 mmol/L
LDL ? <3.5 mmol/L
Triglycerides 2.95 <1.7mmol/L
On the gradient gel electrophoresis, plasma sample for this patient showed the presence of small dense LDL particle.
In: Nursing
QUESTION 3
Who benefits the most from the minimum capital requirements imposed by Basel regulation?
| A. |
The regulator in charge of implementing the regulation in a given country. |
|
| B. |
Shareholders of the bank. |
|
| C. |
The borrowers who got loans from the banks. |
|
| D. |
Banks' creditors who do not benefit from a government protection. |
|
| E. |
Depositors who are protected by a government deposit insurance. |
QUESTION 4
Country A raises its countercyclical buffer from 0% to 1% while Country B lowers its countercyclical buffer from 1% to 0%.
Which of the following statements is NOT correct?
| A. |
Banks in Country B have now a larger capacity to write off assets, without breaching the minimum capital requirements. |
|
| B. |
Regulator in Country B thinks that the negative event is about to unfold or is already unfolding. |
|
| C. |
The regulator in Country A is expecting a negative event in the future. |
|
| D. |
Banks in Country A are likely to increase the risk of their assets and/or the size of their assets if they cannot issue shares or increased retain profits. |
|
| E. |
Banks in Country B do not need to contract their assets and/or decrease the risk of their assets if they lose some equity. |
QUESTION 5
The bank's provisions for bad and doubtful debt (lending provisions) amount to $16 million. The bank writes off $24 million non-performing loans.
As a result of the write off, the gross loans _____________________, the lending provisions _____________________ and bank's equity _______________.
| A. |
decreases by $16 million; increases by $24 million; decreases by $8 million |
|
| B. |
decreases by $16 million; does not change; does not change. |
|
| C. |
decreases by $24; decreases by $24 million; decreases by $8 million. |
|
| D. |
decreases by $16 million; decreases by $16 million; does not change. |
|
| E. |
decreases by $24 million; decreases by $16 million; decreases by $8 million. |
QUESTION 6
A prior purchase agreement is a(n) ______________ and ________________ in ASIC relief list.
| A. |
naked short sale; is |
|
| B. |
covered short sale; is |
|
| C. |
naked short sale; is NOT |
|
| D. |
ordinary sale; is |
|
| E. |
covered short sale; is NOT |
QUESTION 7
Which of the following statements is correct?
A traditional closed-ended managed fund _______________________________.
| A. |
raises funds through the issue of shares and debt. |
|
| B. |
has a fixed number of shares on issue. |
|
| C. |
is subject to withdrawals by investors |
|
| D. |
issues non-tradable equity instruments. |
|
| E. |
takes short positions. |
QUESTION 8
Which of the following statements is NOT correct?
Retail investors in ETF shares ____________________________.
| A. |
can benefit from intraday trade for their shares. |
|
| B. |
can sell their shares in the stock market. |
|
| C. |
can either resell the ETF shares to another investor or redeem the ETF shares by bringing them back to the ETF. |
|
| D. |
can be exposed to a diversified portfolio of assets, if the ETF mimics the composition of ASX 200 index. |
|
| E. |
can buy ETF shares on the secondary market. |
QUESTION 9
At the beginning of first quarter 2020, the bank buys a trading security for $150. At the end of the first quarter the price is $170. The bank sells the security at $200 at the end of the second quarter 2020.
In net, over the second quarter (i.e. comparing situation at two moments in time: at the beginning and the end of the second quarter), the bank shareholders' equity ______________, the retained profit ___________________ and the capital reserve _____________________.
| A. |
decreased by $50; decreased by $50; did not change |
|
| B. |
increased by $30; increased by $30; did not change |
|
| C. |
increased by $50; increased by $50; decreased by $20 |
|
| D. |
did not change; increased by $30; decreased by $50 |
|
| E. |
increased by $30; increased by $30; decreased by $20 |
QUESTION 10
A bank had bought shares with the objective of benefiting from a capital gain. However, prices in the stock market have been going down due to the Covid-19 crisis. If the crisis became more serious, the bank could be exceptionally authorized by the regulator to reclassify the shares from _________ to _________ in order to stop any further loss of the bank's equity.
| A. |
trading securities ; available-for-sale securities |
|
| B. |
investment securities ; available-for-sale securities |
|
| C. |
trading securities ; investment securities |
|
| D. |
investment securities ; trading securities |
|
| E. |
available-for-sale securities ; investment securities |
QUESTION 12
Which of the following items is NOT part of CET1 capital?
| A. |
Ordinary shares issued |
|
| B. |
Non cumulative preference shares |
|
| C. |
Current profit |
|
| D. |
Capital reserve |
|
| E. |
Accumulated past retained profits |
QUESTION 13
A security borrowing agreement takes place at T followed by a sell order/match of the security at T+3.
Which of the following statements is CORRECT?
The borrower becomes the official owner of the security at _____________ and at the time of the sale order, the sale is a __________________.
| A. |
T+5; ordinary sale |
|
| B. |
T+1; naked short sale |
|
| C. |
T+ 2; ordinary sale |
|
| D. |
T+2 ; covered short sale |
|
| E. |
T; covered short sale |
QUESTION 14
Consider a bank statement of financial position.
Which of the following statement is NOT correct?
| A. |
Unrealized capital gain on investment securities affects bank's assets but do not affect bank's equity. |
|
| B. |
A change in the market value of available-for-sale securities affects bank's assets and bank's capital reserve. |
|
| C. |
A write off of a loan decreases gross loans. |
|
| D. |
A new charge for bad and doubtful debt decreases net loans. |
|
| E. |
A loan from another bank increases the bank's liabilities and the bank's holding of ESF. |
QUESTION 17
The conversion of capital notes to ordinary shares ________________________________.
| A. |
increases CET1, Additional Tier 1, Tier 1, and Total capital |
|
| B. |
increases CET1 capital and leaves Tier 1 capital unchanged. |
|
| C. |
increases CET1 and Total capital |
|
| D. |
decreases Additional Tier 1 and Tier 1 capital and leaves Total capital unchanged. |
|
| E. |
decreases additional Tier 1 and Total capital |
In: Economics
Umberto and Tiara, who are married, borrow $110,000 from Sterling Credit Union to buy a home. The loan is a fixed-rate mortgage at 5.25 percent with a thirty-year term, subject to an acceleration clause, and secured by the home, which is their principal residence. When Umberto and Tiara have paid off $10,000 of the mortgage—still owing $100,000—they lose their jobs and stop making payments. Sterling Credit makes numerous attempts to contact the couple, but they do not respond. Meanwhile, the market value of their home has declined to $85,000. After six months, Sterling Credit decides to take steps to recover the unpaid amount of the loan. What are the lender’s options? Which option seems most likely? Why? What are the steps are involved?
In: Finance
Question: How would you answer a child from a poor family and neighborhood who says that education is a waste of time since jobs are scarce and many educated people are unemployed? This question is from Global Problems 3rd edition, Pearson.
The subject is Global conflict/ Global problems 3rd edition, Pearson
In: Economics
Consider an employee who receives a call option with forward start three months from today. The options start 10% out-of-the-money, time to maturity is one year from today, the stock price is 60, the risk-free interest rate is 8%, the continuous dividend yield is 4%, and the expected volatility of the stock is 30%. In other words, S = 60, = 1.1, t = 0.25, T = 1, r = 0.08, b = 0.08-0.04 = 0.04, and = 0.30.
Build a spreadsheet model to calculate the call price with panels for inputs and panels for the model, similar to the Black-Scholes type analytical models. spreadsheet model. Use interim calculation steps, such as d1, d2, N(d1) and N(d2), before you reach your final valuation of the option. Round up your final result to $0.01.
Please I need step by step in Excel.
Thank you!
In: Finance
5. There are 100 patients who could benefit from a new drug, Tipilor, manufactured by Zifer. Patient i has willingness to pay i, i=1,…,100. Ignore fixed costs and assume marginal cost, c, is constant.
a) What is the profit maximising price and resulting profit?
b) Now assume all patients have insurance which means they only pay 10% of the price as a co-payment. What is the profit maximising price and resulting profit?
c) Zifer sets up a charity to cover the co-payment for poor people. Patients 1, 2, …, 50 are considered poor. What is the profit maximising price and resulting profit?
d) For c = 10, calculate optimal profit in a), b) and c) and conclude whether setting up the charity is profitable.
In: Economics
Briefly describe one of the following kinds of mortgage and 1) identify who might benefit from this kind of mortgage and 2) explain why widespread use of this kind of mortgage might create risks for banks (do not repeat or reproduce information and commentary already presented in the thread; move on to TOPIC TWO if what you want to say about TOPIC ONE has already been adequately explained):
2/28 ARM (or other forms of subprime mortgages that reduce monthly payments e.g. “interest only loans”)
Low doc or no doc loans
NINJA loans
In: Finance