Bank Three currently has $600 million in transaction deposits on its balance sheet. The Federal Reserve has currently set the reserve requirement at 10 percent of transaction depositors

If the Federal Reserve decreases the reserve requirement to 8 percent, show the balance sheet of Bank Three and the Federal Reserve System just before and after the full effect of the reserve requirement change. Assume Bank Three withdraws all excess reserves and gives out loans and that borrowers eventually return all of these funds to Bank Three in the form of transaction deposits.

Redo part (a) using a 12 percent reserve requirement.

FINANCIAL LEVERAGE EFFECTS

The Neal Company wants to estimate next year's return on equity (ROE) under different financial leverage ratios. Neal's total capital is $17 million, it currently uses only common equity, it has no future plans to use preferred stock in its capital structure, and its federal-plus-state tax rate is 40%. The CFO has estimated next year's EBIT for three possible states of the world: $4.2 million with a 0.2 probability, $2 million with a 0.5 probability, and $0.9 million with a 0.3 probability. Calculate Neal's expected ROE, standard deviation, and coefficient of variation for each of the following debt-to-capital ratios. Do not round intermediate calculations. Round your answers to two decimal places at the end of the calculations.

Debt/Capital ratio is 0.

RÔE = %

σ = %

CV =

Debt/Capital ratio is 10%, interest rate is 9%.

RÔE = %

σ = %

CV =

Pros/Cons of preventative therapy What do you think are the pros and cons of preventative therapy?

“Companies should focus on financial measures of quality because these are the only measures of quality that can be linked to bottom-line performance.” Do you agree? Explain. How are financial measures and quality related? What other factors should be considered?

How might the shift of interstitial fluid be impacted if a patient was dehydrated?

In a short paper describe the four different types of analytics needed to create insights and make decisions from big data.

*//
1- Add JavaDoc to This classes 
2- Mak a UML
*/
import java.util.*;
public class Display
{
   public static void main(String[] args)
   {
       altEnerCar car1 = new altEnerCar(20000, 2001, 20000);
       altEnerCar car2 = new HydrogenCar(0, 2012, 50000, 100, false);
       altEnerCar car3 = new ElectricCar(0, 2014, 30000, 10, 50);
       altEnerCar car4 = new NaturalGasCar(0, 2000, 60000, 5, 20);
       altEnerCar car5 = new PropaneCar(0, 2011, 45000, 10, true);
      
       ArrayList<altEnerCar> cars = new ArrayList<altEnerCar>();
      
       cars.add(car1);
       cars.add(car2);
       cars.add(car3);
       cars.add(car4);
       cars.add(car5);
       Collections.sort(cars);
       System.out.println(cars);
      
   }


}

/*
 * To change this license header, choose License Headers in Project Properties.
 * To change this template file, choose Tools | Templates
 * and open the template in the editor.
 */


/**
 *
 * @author charl
 */






public class ElectricCar extends NoEmissionsCar
{
   private double batterycharge;
   public ElectricCar()
   {
       this.batterycharge = 200;
   }
   public ElectricCar(double miles, int yearmade, double price, double fuelcost, double batterycharge)
   {
       super(miles, yearmade, price, fuelcost);
       this.batterycharge = batterycharge;
   }
   @Override
   public void setFuelCost(double fuelcost)
   {
       this.fuelcost = fuelcost;
   }
   @Override
   public double getFuelCost()
   {
       return this.fuelcost;
   }
   public void setBatteryCharge(double batterycharge)
   {
       this.batterycharge = batterycharge;
   }
   public double getBatteryCharge()
   {
       return this.batterycharge;
   }
   @Override
   public String toString()
   {
       return "\tMiles: "+miles+"\tMake year: "+yearmade+"\tPrice: "+price+"\tFuel cost: "+fuelcost+"\tBatery Charge: "+batterycharge;
   }


}

/*
 * To change this license header, choose License Headers in Project Properties.
 * To change this template file, choose Tools | Templates
 * and open the template in the editor.
 */


/**
 *
 * @author charl
 */




public abstract class EmissionsCar extends altEnerCar
{
   protected double emissions;
   public EmissionsCar()
   {
       this.emissions = 60;
   }
   public EmissionsCar(double miles, int yearmade, double price, double emissions)
   {
       super(miles, yearmade, price);
       this.emissions = emissions;
   }
   public abstract void setEmissions(double emissions);
   public abstract double getEmissions();
}

/*
 * To change this license header, choose License Headers in Project Properties.
 * To change this template file, choose Tools | Templates
 * and open the template in the editor.
 */


/**
 *
 * @author charl
 */


public class HydrogenCar extends NoEmissionsCar
{
   private boolean infastructure;
   public HydrogenCar()
   {
       this.infastructure = false;
   }
   public HydrogenCar(double miles, int yearmade, double price, double fuelcost, boolean infastructure)
   {
       super(miles, yearmade, price, fuelcost);
       this.infastructure = infastructure;
   }


   
   @Override
   public void setFuelCost(double fuelcost)
   {
       this.fuelcost = fuelcost;
   }
   @Override
   public double getFuelCost()
   {
       return this.fuelcost;
   }
   public void setInfastructure(boolean infastructure)
   {
       this.infastructure = infastructure;
   }
   public boolean getInfastructure(boolean infastructure)
   {
       return this.infastructure;
   }
   @Override
   public String toString()
   {
       return "\tMiles: "+miles+"\tMake Year: "+yearmade+"\tPrice: "+price+"\tFuel Cost: "+fuelcost+"\tInfrastructure: "+infastructure;
   }
}

/*
 * To change this license header, choose License Headers in Project Properties.
 * To change this template file, choose Tools | Templates
 * and open the template in the editor.
 */


/**
 *
 * @author charl
 */


public class NaturalGasCar extends EmissionsCar
{
   private double methaneemissions;
   public NaturalGasCar()
   {
       this.methaneemissions = 15;
   }
   public NaturalGasCar(double miles, int yearmade, double price, double emissions, double methaneemissions)
   {
       super(miles, yearmade, price, emissions);
       this.methaneemissions = methaneemissions;
   }


    
   @Override
   public void setEmissions(double emissions)
   {
       this.emissions = emissions;
      
   }
   @Override
   public double getEmissions()
   {
       return this.emissions;
   }
   public void setMethaneEmissions(double methaneemissions)
   {
       this.methaneemissions = methaneemissions;
      
   }
   public double getMethaneEmissions()
   {
       return this.methaneemissions;
   }
   @Override
   public String toString()
   {
       return "\tMiles: "+miles+"\tMake Year: "+yearmade+"\tPrice: "+price+"\tEmission: "+emissions+"\tMethane Emission: "+methaneemissions;
   }


}

/*
 * To change this license header, choose License Headers in Project Properties.
 * To change this template file, choose Tools | Templates
 * and open the template in the editor.
 */


/**
 *
 * @author charl
 */




public abstract class NoEmissionsCar extends altEnerCar
{
   protected double fuelcost;
   public NoEmissionsCar()
   {
       this.fuelcost = 30;
   }
   public NoEmissionsCar(double miles, int yearmade, double price, double fuelcost)
   {
       super(miles, yearmade, price);
       this.fuelcost = fuelcost;
   }
   public abstract void setFuelCost(double fuelcost);
   public abstract double getFuelCost();
}

/*
 * To change this license header, choose License Headers in Project Properties.
 * To change this template file, choose Tools | Templates
 * and open the template in the editor.
 */


/**
 *
 * @author charl
 */


public class PropaneCar extends EmissionsCar
{
   private boolean infastructure;
   public PropaneCar()
   {
       this.infastructure = true;
   }
   public PropaneCar(double miles, int yearmade, double price, double emissions, boolean infastructure)
   {
       super(miles, yearmade, price, emissions);
       this.infastructure = infastructure;
   }
   @Override
   public void setEmissions(double emissions)
   {
       this.emissions = emissions;
      
   }
   @Override
   public double getEmissions()
   {
       return this.emissions;
   }
   public void setMethaneEmissions(boolean infastructure)
   {
       this.infastructure = infastructure;
      
   }
   public boolean getMethaneEmissions()
   {
       return this.infastructure;
   }
   @Override
   public String toString()
   {
       return "\tMiles: "+miles+"\tMake Year: "+yearmade+"\tPrice: "+price+"\tEmissions: "+emissions+"\t Infrastructure: "+infastructure;
   }


}

/*
 * To change this license header, choose License Headers in Project Properties.
 * To change this template file, choose Tools | Templates
 * and open the template in the editor.
 */


/**
 *
 * @author charl
 */
public class altEnerCar implements Comparable<altEnerCar>
{
   protected double miles;
   protected int yearmade;
   protected double price;
  
   public altEnerCar()
   {
       this.miles = 0;
       this.yearmade = 2019;
       this.price = 50000;
   }
   public altEnerCar(double miles, int yearmade, double price)
   {
       this.miles = miles;
       this.yearmade = yearmade;
       this.price = price;
   }
   public void setMiles(double miles)
   {
       this.miles = miles;
   }
   public void setYearMade(int yearmade)
   {
       this.yearmade = yearmade;
   }
   public void setPrice(double price)
   {
       this.price = price;
   }
   public double getMiles()
   {
       return this.miles;
   }
   public int getYearMade(int yearmade)
   {
       return this.yearmade;
   }
   public double getPrice()
   {
       return this.price;
   }
   public String toString()
   {
       return "\nmiles: "+miles+"\nyear made: "+yearmade+"\nprice: "+price;
   }
   public int compareTo(altEnerCar otherAECar)
   {
       return -1*(Double.valueOf(otherAECar.getPrice()).compareTo(this.price));
   }
  
}

​(Proforma balance sheet construction​)Use the following​ industry-average ratios to construct a pro forma balance sheet for​ Karen's Beauty​ Products, Inc

Total asset turnover 1.5 times

Average collection period (assume 365-day year) 16 days

Fixed asset turnover 6 times

Inventory turnover (based on cost of goods sold) 2 times

Current ratio 1.8 times

Sales (all on credit) 3,000,000

Cost of goods sold 75% of sales

Debt ratio 50%

Fill in the assets section of the pro forma balance sheet.  ​(Round all items to the nearest​ dollar.)

1. A depository institution that has the following assets with weights as indicated:

$875 million in commercial loans with one to three years maturity (100%);

$105 million in long term treasuries (0%);

$635 million loans secured by 1-4 family first mortgages (35%);

$12 million cash items in collection (20%);

$200 million in cash and reserves (0%);

$500 million in mortgage backed securities guaranteed by US government agencies (20%);

$285 million in multifamily mortgages (50%);

$250 million in consumer loans (100%);

$65 million in state and local governments bonds (20%); and

$25 million in loans that are 90 days or more past due (150%).

b. How much Tier 1 capital must the depository institution have to be considered adequately capitalized?

Effective credit management involves establishing credit standards for extending credit to customers, determining the company’s terms of credit, and setting up procedures for invoicing and collecting past-due accounts.

The following statement refers to a credit management policy. Select the best term to complete the sentence.

The conditions of the credit sale, including cash discounts and due dates, are indicated by the company’s   .

Consider the case of Newtown Co.:

Newtown Co. has a very attractive credit policy, and none of its customers pay in cash when the firm makes a sale. Newtown Co. sells to its customers on credit terms of 2/10, net 30.

If a customer bought $100,000 worth of goods and paid the firm cash eight days after the sale, how much cash would Newtown Co. get from the customer?

$90,000

$98,000

$85,000

$105,000

If the customer paid off the account after 15 days, Newtown Co. would receive     .

Approximately 30% of Newtown Co.’s customers take advantage of the discount and pay on the 10th day. The remaining 70% take an average of 35 days to pay off their accounts. What is Newtown Co.’s days sales outstanding (DSO), or the average collection period?

27.5 days

26.1 days

24.8 days

28.9 days

1. What are the main processes in project quality management?

2. Why is quality management becoming more important? what does it mean to use lean in quality assurance?

3. What are benchmarks? How can they assist in performing quality assurance?

4. Describe Capability Maturity Model Integration (CMMI)?

1. Explain to your boss why you would or would not change your hedging position to keep the delta exposure neutral as the option moves from being In-The-Money to being At-The-Money. What trades, if any, would you make?

Create a JavaScript program of objects that asks the user how old they are in years. Then ask the user if they would like to know how old they are in months, days, hours, or seconds. Use if/else conditional statements to display their approximate age in the selected timeframe. Perform all calculations using an AgeConverter class that accepts the age in years during initialization and has separate properties and methods to calculate and return the age in months, days, hours, and seconds. Include data validation in the class and error handling in the main program by using Node Js as IDE.