Precisely 15 years ago (you have just made the 180th monthly payment) you took out a traditional, fixed rate 30-year mortgage for $300,000 at 7.20% APR. You are considering whether to refinance this loan and replace it with a fixed rate 15-year mortgage (assume an identical timing of the remaining payments). The closing costs are $3,000, which you intend to borrow. Disregarding the psychic cost of the process, please find the breakeven interest rate (i.e. the rate at which you would be indifferent between refinancing vs. keeping the existing mortgage). Express your answer as an APR with 3 digits after the decimal point.

1- Choose one of the major credit card companies, e.g., Citi, Chase, Capital One, etc. How does your chosen bank use its variety of credit card programs to build relationships with the right customers? Provide at least one specific example in your response.

2- Based on your choice in Questions 1, what are the main variables your chosen bank has focused on to segment its markets? Which of the segmentation variables do you like the most?

3- Now, based on the above, develop a brand new credit card for a specific target market segment of your choice. First, describe your chosen target market segment. What are the unique consumer needs of your choice segment? Finally, specify the key features of your new credit card program. Explain how it differs from existing credit card programs and how this new card could meet the unique consumer needs of your choice segment

1. State the two(2) types of implementation control that Apple Inc. could use to assist their overall strategy.                                                                                               (6 marks)

The body uses many different types of signals. Types include:

1.   action potentials

2.   cytoskeletal signals

3.   neurotransmission

4.   paracrine/autocrine

5.   endocrine.

1. Qualitatively, how fast is each of these signals transmitted?

2. How do each of these signals differ in their distance of action? Are these contact-dependent, local, or can they affect distant targets?

3. Besides speed and distance of action, what are some advantages and disadvantages of these signal types? Describe as many as you can.

A charge of 22.0 μC is held fixed at the origin.

(A)

If a -6.00 μC charge with a mass of 3.10 g is released from rest at the position (0.925 m, 1.17 m), what is its speed when it is halfway to the origin? v=__m/s

(B) Suppose the -6.00 μC charge is released from rest at the point x = 12(0.925m) and y = 12(1.17m). When it is halfway to the origin, is its speed greater than, less than, or equal to the speed found in part A? Explain

(C)Find the speed of the charge for the situation described in part B. v=__m/s

What is the energy of the photon that, when absorbed by a hydrogen atom, could cause the following?

(a) an electronic transition from the n = 3 state to the n = 6 state

(b) an electronic transition from the n = 3 state to the n = 8 state

C language

· Pointers · Dynamic memory allocation · Functions · Arrays (dynamically allocated) ​

PROBLEM:  The user of your program will use it to do some elementary calculations for an unknown number of simple data sets. The data in each set consists of a number of floating point values, but the number of
the values to be entered will be input by the user, so you do not know in advance how many values there will be in each data set. Therefore, you cannot use a static array in C to store these numbers, because a statically declared array has a fixed size, which cannot be changed after the program begins running.

 First, you should prompt the user to enter the number of data sets. The user will enter an integer greater than 1 to indicate the number of data sets.

 You should then prompt the user to enter the number of floating point values in each data set (which the user will enter as an integer greater than 0), followed by the floating point values themselves on the same line (newline will follow the last floating point value on the line). Your program needs to read the user input, and store the floating point values in each data set in a dynamically allocated array of the appropriate size.

 After getting the values in each data set, your program should repeatedly do the following two things:

 Select the data set to do operations on by number, with the following prompt:

Enter the number of the data set on which you wish to do calculations:

The user will enter an integer value, followed by newline, in response to this prompt (the user will enter 1 for the first data set, 2 for the second, etc.), and based on the value entered, your program must be able to access the values in the appropriate data set in the dynamically allocated storage which you have created, and then do what is described immediately below.

 Your program should then prompt the user to choose one of the following options for a calculation based on the data set chosen by the user (ask the user to enter one of the six numbers, followed by enter):

1. Find the minimum value.

2. Find the maximum value.

3. Calculate the sum of all the values.

4. Calculate the average of all the values.

5. Print the values in the data set.

6. Exit the program.

After the user selects one of these six options, your program should do the necessary calculation or printing of the data based on the user's choice (or terminate the program), and output the result with an appropriate message, for example:

The maximum value in the data set is: 569.45
The results for options 1, 2, 3, and 4 should be printed out as floating point values with 2 digits of precision, and the result for option 5 should be to output the values in the data set in the order in which they were input, with two digits of precision for each value, and with any two values separated by a tab (\t).

Sample Data Set Input (This does not include user responses to the prompts to select a data set or to select an operation to perform)

6

3.45 2.37 85.32 34.5 569.45 335.2 193.4 74.39

6 23.45 32.37 185.32 364.5 179.4

144.39 7 35.45 121.47 42.32 44.5

249.75 385.9 113.4 4 44.45 567.37 311.32

22.45 2.37 85.32 34.5 569.45

335.2 193.4 74.39 122.45 413.2 89.32

2

1

3

2

4

3

5

4

6

5

6

Drawing on your knowledge of the theory of specialisation and exchange – supplemented by appropriate media reports – explain what the consequences of rising energy costs will be for heavy industry in Australia. with relevant graphs and around 2500 words

Using the predicate symbols shown and appropriate quantifiers, write each English statement as a predicate wff. (The domain is the whole world.) (

A(x): x is an animal B(x): x is a bear H(x): x is hungry W(x): x is a wolf

a. Bears are animals.

b. Some animals are hungry bears.

c. No wolf is a bear.

Lowincomesville is a poor town. The mayor has decided to impose a law to cut all rental rates on apartments in half and to fix them at this level.

What did the mayor implement? Will this help the poor? Why or why not? Be sure to distinguish between the short run and the long run

What could happen if cells remain in the cell cycle indefinitely?

How would comprehensive security differ from realism? Which do you think would be better? Why?

Analyze a simple model of a consumer's response to a price increase.

% change (growth rate) = (value_new - value_old) / value_old Elasticity = |% change in quantity / % change in price|

a. For the following questions, assume that the Year 2 price increases by an additional 30%.What would be the new Year 2 price after the additional price increase? Answer

b. Given the previously calculated price elasticity of demand, what quantity would the consumer purchase in Year 2 after the price increase? Answer

c. What would be the consumer's expenditure in Year 2 after the price increase? Answer

d. What is the change in the consumer's expenditure between Year 1 and Year 2 by Answer

e. Would a tax on this good be relatively more effective at raising revenue, or changing behavior? AnswerChanging BehaviorRaising RevenueBoth

JAVA PROGRAMMING

source code using appropriate programming style (e.g., descriptive variable names, indenting, comments, etc.).

1. Using the remainder (%) operator, write a program that inputs an integer and displays if the number is even or odd.

B. Write the same program using some other technique without using the remainder (%) operator.