Funding source for small business, Understanding Financial RatiosFinancial plans and statements are an important part of identifying how much money is needed and of determining the health of the company through company valuation. Completing financial statements is part of the role of the entrepreneur in raising capital.Reread “All is Not Paradise in Eden’s Garden,” parts 1 and 2, attached.Assume the role of Shelly Edison. Using the financial statements for Eden’s Garden, calculate the following ratios:Current RatioQuick RatioDebt RatioTimes Interest Turnover RatioAverage Inventory TurnoverAverage Collection PeriodAverage collection period in daysAverage Payable PeriodPayable period in daysNet Sales to Net AssetsNet Sales to Working CapitalNet Profit on SalesNet Profit on EquityWhat recommendations can you make to the Eden’s to improve their company’s financial performance in the future?Your paper should be 3-5 pages in length and in conformity with guidelines for APA Style. Calculations of the ratios should be shown in an appendix in APA format, while the body of the paper is used for explanations and recommendations.
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Complete the Comparison Worksheet.While APA style is not required for the body of this assignment, solid academic writing is expected, and documentation of sources should be presented using APA style.**** Create a hypothetical family. Develop a scenario that has caused this family to seek counseling. The scenario should be 150-250 words in length. Be sure to include the following in the scenario: 1) Identify the members of the family; 2) The problem/focus of therapy; 3) Family rules which enabled the problem to continue; and 4) rationale for who the identified patient (IP) is.************Complete the specific fields listed in the chart for each theory chosen. All sections will require a 50-75-word description except for the section where you list the three treatment interventions. Include a minimum of six scholarly resources in addition to the course textbook and in-text citation as appropriate. Include a full APA reference for the resources used below.****Please use at least 6 scholarly references*************** Please review the rubric prior to beginning the assignment to become familiar with the expectations for successful completion.******please attach the turnitin report
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Assignment 1For this assignment you are not required to write a complete draft of your Argument Essay. Instead, you are to select a topic for your Argument Essay and write a detailed outline of your essay based on the model in the instructions document.Review the ArgumentativeOutlineAssignment_Instructions.docx document attached for additional instructions necessary to complete this assignment.Review the Outline Grading Rubric to prepare your paper, but remember that I give full credit for completing the rough draft on time.Review the Student_AnnotatedSample_Salvaging-the-Old-Growth-Forest.pdf file as mentioned in the instructions document for information regarding issue statements.Review the Argumentative_ModelEssay.docx document to see a student example of a written and formatted essay.Review the video (if needed) Submit an Assignment (Student) for instructions on how to submit your documents.Assignment 2Take both of the quizzesMLA and Argumentive
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Chapter 8Discuss the relationship of trauma to dissociative amnesia and dissociative identity disorder.Schizophrenia Chapter 13Review the changes in the diagnosis of schizophrenia that have occurred historically and the changes in the current definition due to the DSM 5 publication. How has brain research advanced the understanding of schizophrenia?
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1) The IRS is reevaluating the asset life categories used for ACRS depreciation. The trucks that JK Industries use are currently classified by the IRS as having an asset life of 7 years. Because these trucks actually last for 10 years, the firm’s managers would prefer the IRS to reclassify them as 10-year assets so the firm can keep them longer, spread the cost of depreciation over more years and hence increase earnings. (True, False, Uncertain and explain your response)2) Obsolete Computer Systems, Inc. wants to reemerge as a major producer of computer software. The company has two options: Either it can purchase Upstart Software for $25m now whose products are expected to survive 5 years. Or it can develop an ongoing new line of software via research and development expected to cost $5m per year with implementation costs of $25m in 4 years. Using reasonable cash flow estimates from each product line, the Obsolete CFO has estimated that the internal rate of return from purchasing Upstart Software is 15% and the IRR of in-house R&D is 14%. As a member of Obsolete’s board of directors (and an ERAU alum who knows how misleading IRR analysis can be…hint), you should vote against the CFO’s recommendation to purchase Upstart Software. (True, False, Uncertain and explain your response)3)Managers’ desire for job security and firm growth conflict with maximizing value for shareholders. (True, False, Uncertain and explain your response)4) Assume that all you have available are data for the following ratios and your firm and your industry.Total Asset Turnover= Revenues/AssetsTotal Margin= EBIT/RevenuesNet Profit Margin= Earnings/RevenuesTimes Interest Earned= EBIT/InterestReturn on Equity= Earnings/EquityIf you want evaluate the effectiveness of your company’s operating managers and you can only use one of the measures, which one should it be and why?5) CAPM implies that the only two assets that matter to every investor in corporate stocks and bonds are the risk-free Treasury Bill and the market portfolio of world-wide wealth. (True, False, Uncertain and explain your response)6) Rau Inc. has 6.0 percent coupon bonds on the market with 9 years to maturity. The bonds make semi-annual payments and currently sell for 110 percent of par. What is the YTM?You will upload an Excel spreadsheet that shows all of your work and the solution.7)JJ Enterprises is considering the purchase of a new machine that will produce thumb drives. The new machine will require an initial investment of $800,000 and has an economic life of five years and will be fully depreciated by the straight line method. The machine will produce 150,000 thumb drives per year with each costing $0.10 to make. Each will be sold at $2.00. Assume JJ Enterprises uses a discount rate of 14 percent and has a tax rate of 34 percent. What is the NPV of the project and should JJ Enterprises make the purchase.You will upload an Excel spreadsheet that shows all of your work and the solution.8) A company is building a fuel efficient power plant which will generate its first annual cash flow of $18m exactly 4 years from today. As it ages, the volume it produces will remain constant but competing new technologies will drive prices down further. Hence the cash flows it creates will decline by 1% per year. Exactly 45 years from today, this plant will be scrapped, and the Environmental Protection Agency will require $30m expenditures to dismantle and clean it up. The plant’s OCC is 8%. What is the highest price that a buyer should consider paying for it?9) The returns on QRC stock and an investor’s portfolio over three years are given in the table below.Based on this data, compute the volatility of the portfolio and briefly describe how to interpret it.Based on this data, calculate the correlation between QRC and the portfolio, and briefly describe what it means. Show your work.Suppose the portfolio represents the portfolio of all wealth. What is QRC’s market beta?YearQRCPortfolio15.0%19.0%2-3.0%14.0%313.0%9.0%You will upload a Word Document that shows all of your work and the solution.10) You are considering buying a bond issued by General Motors with exactly 5.5 years remaining to maturity that just paid a coupon yesterday. It rained on your paper this morning so you do not know what the coupon rate is. However you are able to see that the quoted price is listed as $105-20 and the annualized yield is 7%, with semi-annual compounding. If the coupon is paid semi-annually, what is the quoted annualized coupon rate? Show your work.You will upload a Word Document that shows all of your work and the solution.
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The “Competencies for Addressing Spiritual and Religious Issues in Counseling” were developed by which of the following divisions of the American Counseling Association?a.Association for Spiritual, Ethical, and Religious Values in Counselingb.Association for Religion, Philosophy, and Spirituality in Counselingc.American Pastoral Counselors Associationd.There is not a division of the American Counseling Association that developed these competencies.2 pointsQUESTION 2The first person to introduce the subjects of consciousness, spiritualism, and psychical research into the mental health fields was:a.Carl Jungb.Abraham Maslowc.William Jamesd.Sigmund Freud2 pointsQUESTION 3The core practice of transpersonal counseling includes which of the following:a.Mindfulnessb.Yogac.Biofeedbackd.All of the above2 pointsQUESTION 4Which of the following is one of the “Competencies for Addressing Spiritual and Religious Issues in Counseling”?a.The professional counselor can describe the similarities and differences between spirituality and religion, including the basic beliefs of various spiritual systems, major world religions, agnosticism, and atheism.b.The professional counselor recognizes that the client’s beliefs (or absence of beliefs) about spirituality and/or religion are central to his or her worldview but cannot influence psychosocial functioning.c.The professional counselor can identify the limits of his or her understanding of the client’s spiritual and/or religious perspective and is acquainted with religious and spiritual resources, including leaders, who can join in counseling sessions with the counselor and client.d.All of the above2 pointsQUESTION 5The family life spiral is:a.An example of family declineb.A linear modelc.An example of a life stressord.A developmental model2 pointsQUESTION 6The relational-cultural theory emphasizes the vital rolea.that relationships and connectedness with others play in the lives of women.b.of a spiritual or religious perspective in providing women with strength.c.that siblings play in the shaping of personalityd. in understanding how early childhood is a crucial factor in a woman’s personality development.2 pointsQUESTION 7Within the transpersonal states of functioning, which of the following developmental lines or stages exist?a.cognitiveb.vision logicc.psychicd.all of the above2 pointsQUESTION 8Which of the following family therapists is best known for his/her conjoint approach to treatment?a.Satirb.Bowenc.Haleyd.Minuchin2 pointsQUESTION 9Self-in-relation theory is the work of:a.Sharf and Bemb.Jordan and Surreyc.Jean Baker Millerd.Betty Freidan2 pointsQUESTION 10Which of the following is not a fundamental principle of feminist counselors?a.The personal is politicalb.A commitment to social changec.A commitment to the establishment of an authoritarian relationshipd.Honoring women’s experiences and appreciating their perspectives, values, and strengths2 pointsQUESTION 11According to transpersonalism:a.Healthy development is marked by one’s advancement from personal to transpersonal concerns.b.Healthy development is marked by one’s quality of relationships.c.Healthy development is impossible to define.d.Healthy development is not a goal.2 pointsQUESTION 12The term _______________ means beyond the personal, ego, or self.a.archetypalb.transpersonalc.reductionisticd.monistic2 pointsQUESTION 13A counselor directing family members to engage in a communication game to examine how their incongruent messages lead to pain and lower self-esteem is following which approach to family therapy?A counselor directing family members to engage in a communication game to examine how their incongruent messages lead to pain and lower self-esteem is following which approach to family therapy?a.Conjointb.Transgenerationalc.Narratived.Structural2 pointsQUESTION 14A multifaceted process, occurring across the life span is called:a.Gender role identificationb.Gender biasc.Genderficationd.Gender role socialization2 pointsQUESTION 15One of the primary goals of transpersonal counseling is to:a.Bring the client to an acceptable level of mental healthb.Bring the client to a point where he or she can begin to work on transpersonal issuesc.Take the client into the realm of transcendence, unity, and extraordinary mental healthd.None of the above2 pointsQUESTION 16The term used to describe a family system’s tendency to maintain predictable interactional processes is:a.Family project processb.Cyberneticsc.Centripetald.Family homeostatis2 pointsQUESTION 17Which of the following family therapists is best known for his/her strategic approach to treatment?a.Satirb.Bowenc.Haleyd.Minuchin2 pointsQUESTION 18Two major disorders given a great deal of attention in feminist literature are:a.Personality disorders and bipolar disordersb.Borderline personality disorders and hypertensionc.Eating disorders and PTSDd.Insomnia and PTSD2 pointsQUESTION 19___________ wrote that Kohlberg’s model of moral development was more applicable to men than women.a.Carol Gilliganb.Barbara Herlihyc.Vivian Carroll McCollumd.Nancy Chodorow2 pointsQUESTION 20________________ occurs when a family modifies problem behaviors yet maintains its present structure.a.First order changeb.Second order changec.Third order changed.Fourth order change2 pointsQUESTION 21Which of the following family therapists is best known for his/her structural approach to treatment:a.Satirb.Bowenc.Haleyd.Minuchin2 pointsQUESTION 22Teasing out stressors poses a challenge for the family counselor because of the family’s:a.Mistrust of therapyb.Many storiesc.Multigenerational issuesd.Severity of pain2 pointsQUESTION 23A strategy for empowering clients is to involve them in naming their problem and participating in directing the counseling process. This strategy is called:a.Self-disclosureb.Gender role analysisc.Demystifying the counseling processd.Client empowerment2 pointsQUESTION 24Although the theoretical underpinnings of transpersonal theory can be credited to a number of individuals, theories, and philosophical approaches to mental health and spiritual experience, _____________ has emerged as the primary leader of this burgeoning field.a.Groffb.Wilberc.Jungd.Maslow2 pointsQUESTION 25The term used to describe one of the perceptual sets people use when looking at society and their place in it is:a.Gender schemab.Egalitarianc.Engendered livesd.None of the above
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Discussion 1: Policy Analysis and ApplicationAccording to the NASW Code of Ethics section 6.04 (NASW, 2008), social workers are ethically bound to work for policies that support the healthy development of individuals, guarantee equal access to services, and promote social and economic justice.For this Discussion, review this week’s resources, including Working with Survivors of Sexual Abuse and Trauma: The Case of Rita. Consider what change you might make to the policies that affect the client in your case. Finally, think about how you might evaluate the success of the policy changes.· Post an explanation of one change you might make to the policies that affect the client in the case. Be sure to reference the case you selected in your post.· Finally, explain how you might evaluate the success of the policy changes.Support your post with specific references to the resources. Be sure to provide full APA citations for your references.References:Plummer, S.-B., Makris, S., & Brocksen, S. M. (Eds.). (2014). Social work case studies: Foundation year. Baltimore: MD: Laureate International Universities Publishing. [Vital Source e-reader].“Working With Survivors of Sexual Abuse and Trauma: The Case of Rita” (pp. 81–83)Rome, S., Harris, S., & Hoechstetter, S. (2010). Social work and civic engagement: The political participation of professional social workers. Journal of Sociology & Social Welfare, 37(3), 107–129.Working With Survivors of Sexual Abuse and Trauma: The Case of RitaRita is a 22-year-old, heterosexual, Latina female working in the hospitality industry at a resort. She is the youngest of five children and lives at home with her parents. Rita has dated in the past but never developed a serious relationship. She is close to her immediate and extended family as well as to her female friends in the Latino community. Although her parents and three of her siblings were born in the Dominican Republic, Rita was born in the United States.A year ago, Rita was sexually assaulted by an acquaintance of a male coworker. Rita and a female coworker met Juan and Bob after work at a local bar for a light meal and a few drinks. Because Rita had to get up early to work her shift the next day, Bob offered to drive her home. Instead of taking Rita directly home, however, he drove to a desolate spot nearby and assaulted her. Afterward, Bob threatened to harm her family if she did not remain silent and proceeded to drive her home. Although Rita did not tell her family what happened, she did call our agency hotline the next day to discuss her options. Because Rita’s assault occurred within the 5-day window for forensic evidence collection of this kind, Rita consented to activation of the county’s sexual assault response team (SART). Although she agreed to have an advocate and the sexual assault nurse examiner (SANE) meet her at the hospital, Rita tearfully stated that she did not want to file a police report at that time because she did not want to upset her family. The nurse examiner interviewed Rita, collected evidence, recorded any injuries, administered antibiotics for possible sexually transmitted infections, and gave Rita emergency contraception in case of pregnancy. The advocate stayed with Rita during the procedure, supporting her and validating her experience, and gave her a referral for individual crisis counseling at our agency.My treatment goals for Rita included alleviation of rape trauma syndrome symptoms that included shame and self-blame, validation of self-worth and empowerment, and processing how it would feel to disclose to others when the time felt right. In addition, Rita would receive important information regarding state policy and procedure for victims of sexual assault that would assist her in deciding when and how to report the crime if she chose to do so.My treatment involved crisis intervention and stabilization along with emotional support and validation surrounding her experience. Managing her trauma and acute stress symptoms were key to her recovery. Those symptoms included guilt, shame, emotional shock, powerlessness, anxiety, fear, anger, and doubting her judgment. We processed Rita’s emotional dysregulation and sense of outrage over what happened. Over the weeks that followed, we also explored Rita’s relationship to her immediate and extended family and how they had high expectations for her and her future. Rita’s shame over the assault prevented her from telling her family for fear they would also be shamed and judge her for accepting a ride from someone she did not know well. We discussed the policy for reporting a sexual assault to the police in our state and how Rita only had a 90-day window to report the crime after her forensic evidence was obtained. After 90 days, the forensic kit would be destroyed.The problem with the current 90-day hold policy in our state for victims like Rita is that a person in crisis experiences strong and conflicting emotions and is faced with an acute sense of disequilibrium and disorientation. This, in turn, affects her or his ability to retain information and make decisions. The person, therefore, has barely enough time to make sense of what happened to her or him, let alone decide what to do about it. The 90-day hold policy may not afford a traumatized victim of sexual assault enough time to make a decision to report to law enforcement.I utilized a strengths-based model in my treatment with Rita to help her address the decision to report the crime. A strengths-based framework is client-led with a focus on future outcomes and strengths that the client brings to a problem or crisis. It is an effective helping strategy that builds on a person’s resiliency and ego strength. An integrative strengths-based intervention can contribute to the development of a positive outcome for clients in crisis.I counseled Rita for 6 months. After 5 months, Rita felt strong enough to disclose to her family and file a report with the police. However, because the 90-day window had closed by the time she was stabilized and emotionally ready to file, her forensic evidence was unavailable.Discussion 2: Evaluating Policy ImplicationsWhen developing, implementing, or revising organizational policies, it is important that all potential consequences be considered. Social workers must be particularly sensitive to any negative consequences or unintentional harm the policies might cause for any individual or group.For this Discussion, review this week’s resources, including the Johnson Family video. Consider the campus’ policies on how sexual assault accusations are addressed. How might the current procedures and policies negatively affect survivors of sexual assault? What changes might you suggest to the campus policies to better protect survivors? Finally, describe how you might evaluate the success of these policy changes.· Post an identification of how the current campus policies on sexual assault might negatively affect survivors and an explanation of the changes you might make to these policies that would protect sexual assault survivors.· Be sure to reference the Talia Johnson case in your post.· Finally, explain how you might evaluate the success of these policy changes.Support your post with specific references to the resources. Be sure to provide full APA citations for your references.ReferencesLaureate Education (Producer). (2013). Sessions: Johnson family (Episode 4 of 42) [Video file]. Retrieved from https://class.waldenu.eduZastrow, C. H., & Kirst-Ashman, K. K. (2016). Understanding human behavior and the social environment (10th ed.). Boston, MA: Cengage Learning.Johnson Family Episode 4Program Transcript[MUSIC PLAYING]MALE SPEAKER: There are two things I want you to think about as we go forward, process and possible outcomes.As I explained on the phone to each of you, the university’s policy in cases like this is for me to give each of you the opportunity to tell your side of the story. This is a university procedure. It does not involve the police. Once I’ve heard bothsides it will be up to me to decide what action to take. Do you understand?BOTH: Yes.MALE SPEAKER: Now, possible outcomes. Talia’s claims could be dismissed. However, if her claims are accepted as true Eric could be suspended for a semester, or an entire year, or he could be expelled. This all depends on how the university rules. Am I clear? Are there any questions before we get started?ERIC: What if you decide she’s lying? What happens to her then?MALE SPEAKER: I’ve already described the potential outcomes. That’s it.TALIA: You’re the one who’s lying. You told people we had sex when you raped me.ERIC: Slut.BOTH: Liar! Rapist!MALE SPEAKER: End of conversation. I’ll schedule a meeting next week. Use that time to prepare. Do I make myself clear?Discussion 3: The Social Work Advocate in PoliticsSocial workers often have commitments to specific policies, laws, or funding of programs that are vital to the population they serve or an issue that they strongly support. Such commitments often lead social workers to become involved in political issues and the campaigns of specific candidates. Being a social worker, such campaign experiences, the outcomes of your efforts, and how effective you felt you were may affect your view of the political process and the likelihood of becoming involved in similar campaigns in the future.For this Discussion, reflect on your experiences if you have ever participated in a political campaign. What was the outcome of your participation? If you have not participated in a campaign, choose a campaign topic you support or oppose and consider the ways you might like to participate in that campaign. Likewise, think about your experiences if you have ever lobbied on a topic. If you have not, choose a topic for which you might like to lobby in favor or against. Finally, consider how you think social workers might have a powerful and positive effect as elected officials.· Post an explanation of the role of lobbying and campaigning in social work practice.· Then, explain how you think social workers might have a powerful and positive effect as elected officials.· Finally, explain of the impact, if any, the experiences and opinions of your colleagues have had on your own experiences and opinions.Support your post with specific references to the resources. Be sure to provide full APA citations for your references.ReferencesRome, S., Harris, S., & Hoechstetter, S. (2010). Social work and civic engagement: The political participation of professional social workers. Journal of Sociology & Social Welfare, 37(3), 107–129.Popple, P. R., & Leighninger, L. (2015). The policy-based profession: An introduction to social welfare policy analysis for social workers. (6th ed.). Upper Saddle River, NJ: Pearson EducationDISCUSSION 4: Systems Perspective and Social ChangeZastrow and Kirst-Ashman (2016) stated, “Clients are affected by and in constant dynamic interactions with other systems, including families, groups, organizations, and communities” (p. 35-36). As a social worker, when you address the needs of an individual client, you also take into account the systems with which the client interacts. Obtaining information about these systems helps you better assess your client’s situation. These systems may provide support to the client, or they may contribute to the client’s presenting problem.For this Discussion, review “Working With People With Disabilities: The Case of Lester.”Consider the systems with which Lester Johnson, the client, interacts. Think about ways you might apply a systems perspective to his case. Also, consider the significance of the systems perspective for social work in general.· Post a Discussion in which you explain how multiple systems interact to impact individuals.· Explain how you, as a social worker, might apply a systems perspective to your work with Lester Johnson.· Finally, explain how you might apply a systems perspective to social work practice.Be sure to support your posts with specific references to the resources. If you are using additional articles, be sure to provide full APA-formatted citations for your references.ReferencesPlummer, S. -B., Makris, S., & Brocksen, S. M. (Eds.). (2014). Social work case studies: Foundation year. Baltimore, MD: Laureate International Universities Publishing. [Vital Source e-reader].Zastrow, C. H., & Kirst-Ashman, K. K. (2016). Understanding human behavior and the social environment (10th ed.). Boston, MA: Cengage Learning.Working With Clients With Disabilities: The Case of LesterLester is a 59-year-old, African American widower with two adult children. He lives in a medium-sized Midwestern city. Four months ago, he was a driver in a multiple vehicle crash while visiting his daughter in another city and was injured in the accident, although he was not at fault. Prior to the accident he was an electrician and lived on his own in a single-family home. He was an active member in his church and a worship leader. He has a supportive brother and sister-in-law who also live nearby. Both of his children have left the family home, and his son is married and lives in a nearby large metropolitan area.When he was admitted to the hospital, Lester’s CT showed some intracerebral hemorrhaging, and the follow-up scans showed a decrease in bleeding but some midline shift. He seemed to have only limited cognition of his hospitalization. When his children came to visit, he smiled and verbalized in short words but could not communicate in sentences; he winced and moaned to indicate when he was in pain. He had problems with balance and could not stand independently nor walk without assistance. Past medical history includes type 2 diabetes; elevated blood pressure; a long history of smoking, with some emphysema; and a 30-day in-house treatment for binge alcoholism 6 years ago following his wife’s long illness with breast cancer and her subsequent death.One month ago he was discharged from the hospital to a rehabilitation facility, and at his last medical review it was estimated he will need an additional 2 months’ minimum treatment and follow-up therapies in the facility.As the social worker at the rehab center, I conducted a psychosocial assessment after his admission to rehabilitation.At the time of the assessment, Lester was impulsive and was screened for self-harm, which was deemed low risk. He did not have insight into the extent of his injury or changes resulting from the accident but was frustrated and cried when he could not manipulate his hands. Lester’s children jointly hold power of attorney (POA), but had not expressed any interest to date in his status or care. His brother is his shared decision making (SDM) proxy, but his sister-in-law seemed to be the most actively involved in planning for his follow-up care. His son and daughter called but had not visited, but his sister-in-law had visited him almost daily; praying with him at the bedside; and managing his household financials, mail, and house security during this period. His brother kept asking when Lester would be back to “normal” and able to manage on his own and was eager to take him out of the rehabilitation center.Lester seemed depressed, showed some flat affect, did not exhibit competency or show interest in decision making, and needed ongoing help from his POA and SDM. His medical prognosis for full recovery remains limited, with his Glasgow Coma Scale at less than 9, which means his injury is categorized as catastrophic.Lester currently has limited mobility and is continent, but he is not yet able to self-feed and cannot self-care for cleanliness; he currently needs assistance washing, shaving, cleaning his teeth, and dressing. He continues with daily occupational therapy (OT) and physical therapy (PT) sessions.He will also need legal assistance to apply for his professional association pension and benefits and possible long-term disability. He will also need help identifying services for OT and PT after discharge.He will need assistance from family members as the determination is made whether he can return to his residence with support or seek housing in a long-term care facility. He will need long-term community care on discharge to help with basic chores of dressing and feeding and self-care if he is not in a residential care setting.A family conference is indicated to review Lester’s current status and short-term goals and to make plans for discharge.
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You will watch a full-length film and critique through a psychological lens. Thework must be a minimum of three pages. Must be written in APA format.(CRUELLA DE VIL)https://www.rogerebert.com/reviews/cruella-movie-review-2021
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Assignment 2: Discussion—Typical ReasoningPeople often take shortcuts in problem solving and quickly arrive at answers. Known as heuristics, these shortcuts may increase the speed of decisions but may also decrease the accuracy of those decisions. The experiment used in this assignment deals with inaccurate decisions based on the conjunction fallacy, where people think the chance of two events happening at the same time is greater than just one event occurring. However, the chance of one event occurring is greater than two events occurring; hence, the fallacy.Access the CogLab demonstration Typical Reasoning. Follow the instructions to complete the demonstration. Next, answer the following questions:For this demonstration, on average, do participants give higher ratings for single events or conjunctions of events? Based on the demonstration results, did you make your judgments by using objective probabilities? Why or why not?What is a stereotype? How do stereotypes relate to the findings of this demonstration?Respond to the following two situations:You and two of your coworkers have just interviewed a candidate for a job opening at your law firm. Your boss asks you what inferences you made about the candidate during the interview. What can you do to maximize your likelihood of making a correct inference?John is a young, energetic, muscular, and outgoing individual. Estimate the following for him:He is tall and likes sportsHe is tall, likes sports, and has lots of friendsWrite your initial response in 4–5 paragraphs. Apply APA standards to citation of sources.
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1. a. Briefly explain the basic principles of underwriting.b. Identify the major sources of information available to underwriters2. The regulation of the insurance industry is structured differently from the regulation of many industries.a. Explain three key reasons why the insurance industry is regulated.b. Discuss the most significant need for insurance regulation.c.3. Discuss and summarize the main outcome of each of the following cases or laws with respect to insurance regulation:a. Paul v. Virginiab. South-Eastern Underwriters Association Casec. McCarran-Ferguson Actd. Financial Modernization Act of 19994. Delta Insurance is a property insurer that entered into a surplus-share reinsurance treaty with Eversafe Re. Delta has a retention limit of $200,000 on any single building, and up to nine lines of insurance may be ceded to Eversafe Re. a building valued at $1,600,00 is insured with Delta. Shortly after the policy was issued, a severe windstorm caused $800,000 loss to the building.a. How much of the loss will Delta pay?b. How much of the loss will Eversafe Re pay?a. What is the maximum amount of insurance that Delta can write on a single building under the reinsurance agreement? Explain your answer.5. For each of the following situations, indicate the type of reinsurance plan or arrangement that the ceding insurer should use, and explain the reasons for your answer.a. Company A is an established insurer and is primarily interested in having protection against a catastrophic loss arising out of a single occurrence.b. Company B is a rapidly growing new company and desires a plan of reinsurance that will reduce the drain on its surplus because of the expense of writing a large volume of new business.c. Company C has received an application to write a $50 million life insurance policy on the life of the chief executive officer of a major corporation. Before the policy is issued, the underwriter wants to make certain that adequate reinsurance is available.d. Company D would like to increase its underwriting capacity to underwrite new business.e.6. Explain the difference between rebating and twisting as they relate to the insurance industry.
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