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If you wanted to sample fetal blood, which of the following would you use?

What is the difference between primary chorionic villi and secondary chorionic villi?

For your second essay, Please select a second (and DIFFERENT) question (do not answer the same question twice!) and write your response in the text box below. Please indicate which short answer (providing the number is fine) you are answering. You should answer one question in 41 and one in 42 – do not answer both here.  Question 1 You are trying to understand more about the multitude of risk & protective factors for binge drinking in college students. To do this, you have decided to investigate the different factors that exist at each level of McLeroy and colleague’s (1988) social ecological model. To start, list each level of the model (give the name of the level and a general definition of that level), and then give examples of potential risk & protective factors for binge drinking that would be located at that level. You are only required to list one risk or protective factor at each level.  Question 2 Research has shown that a large proportion of graduate students do not meet existing guidelines for physical activity. You decide to design an intervention to help graduate students increase their levels of physical activity, and decide to use the Theory of Reasoned Action to guide your intervention development. Using the model pictured below: name the concepts as they are labeled numerically (1-8) define each concept, and describe how each construct would apply within your intervention.   Question 3 You work at a local health department, and a recent survey has found that vaping among adolescents/young adults (AYA) is high, despite a comprehensive recent social media campaign to warn AYA about the health consequences of vaping. You have been asked to take the lead in designing a program to reduce vaping rates among AYA in your community and you decide to use the Transtheoretical Model (TTM) (5 steps) to guide your program development. Using this scenario, answer the following questions: Why is the TTM a good fit for this type of program, compared to other models/theories? In what stage(s) of the TTM are you most likely to find the majority of current AYA who vape, right now? Provide a brief justification for your choice.  To what stage do you want to move AYA, in order to decrease the number of AYA who vape? Provide a brief justification for your choice.  How would you move AYA to that stage (e.g., describe a change process and why it would likely be successful for moving AYA to this stage)?

For problems 2, 3, 4 and 5, answer 3 of these questions. (Write “SKIP” to the one you do not want graded) The Bank A is promising to pay 8% compounded Quarterly.  Bank B is across the street.  However, Bank B quotes its rates as compounded monthly.   What rate must bank B advertise (compounded monthly) so that depositors are indifferent between the 2 banks?   (in other words, 8% compounded quarterly is the same as X% compounded monthly).

For Essay Questions  7-14: Select Five of these 8 questions.  IF you do not want to answer, you should write “SKIP” and move to the next question Question C3 Why do lenders charge origination fees, especially loan discount fees?

24 Work this problem:   Assume that a lender offers a 15-year, $175,000 adjustable-rate mortgage (ARM) with the following terms:                         Initial interest rate = 8 percent                         Index = 1-year Treasuries                         Payments reset each year                         Margin = 1.5 percent                         Interest rate cap = 1 percent annually; 3 percent lifetime                         Discount points = 2 percent                         Negative amortization allowed             Based on estimated forward rates, the index to which the ARM is tied is forecasted as follows:  Beginning of year (BOY) 2 = 7 percent; (BOY) 3 = 8.5 percent;               Compute the payments, loan balances, and yield for the ARM for the three-year period.   A. Year one payment; Loan balance  B. Year two payment; Loan balance  C. Year three payment; Loan balance D.  What is the yield if the loan is repaid after  3 years

For Problems 15 – 20 select FOUR of these problems.  Write “SKIP” for only one of these 5 problems.   P2C 2 The Dallas Development Corporation is considering the purchase of an apartment project for $100,000.  They estimate that they will receive $15,000 at the end of each year for the next 10 years.  At the end of the 10th year, the apartment project will be worth nothing. A.  If Dallas purchases the project, what will be its internal rate of return, compounded annually?  B. If the company insists on an 8.25 percent return compounded annually on its investment, is this a good investment (Justify your answer)?

25. Work this problem   An investor has $60,000 to invest in a $280,000 property. He can obtain either a $220,000 loan at 9% for 20 years, with 3 points charged at closing, or a $180,000 loan for 8.875% 20 years AND a second mortgage for $40,000 at 13.5% for 10 years.  All loans require a monthly payment and are fully amortizing. A.  What is the best alternative if the property is held to maturity (Justify your answer– which offers the cheapest cost to the borrower for each alternative?)? B. What is the best alternative if the property is held for 7 years (justify your answer)?

For Essay Questions  7-14: Select Five of these 8 questions.  IF you do not want to answer, you should write “SKIP” and move to the next question Question C5 List each of the main terms likely to be negotiated in an ARM

For Problems 15 – 20 select FOUR of these problems.  Write “SKIP” for only one of these 5 problems.   P4C 4.  A fully amortizing CAM (constant amortization mortgage) loan is made for $120,000 at 6% for 25 years.  Payments are made monthly. A. Calculate the monthly payment on the CAM loan for the first 3 months. B.  what is the payoff of the loan after 3 payments? C. If the loan was a CPM (constant payment mortgage) how much would be owed after 3 months?