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Which of the following is a mis-match?

  CHOOSE ONLY ONE OF THESE QUESTIONS TO ANSWER. ONLY ONE. a.Why is HAART therapy prefered to monotherapy in HIV treatment? Explain what HAART is.   b. Explain why HIV cannot be cured? A handful of people have been cured, HOW?   c. Give three differences between HIV-1 and HIV-2. Where in the world did HIV-2 originate from?

AZT:

Which term describes the cells of a human embryo with 3 sets of chromosomes?

A gene is maternally imprinted. Kate receives a normal allele from her father and the affected (mutated) allele from her mother. What is the probability that Kate will have the affected phenotype? 

Below are MC questions from the book readings. You are to answer 5 out of the 6 MC questions (i.e. you can skip 1 question). Do not answer all 6 as only the first 5 will be counted.1. In 2008, the U.S. Treasury financial supported financial institutions by:a. purchasing troubled assets.b. buying preferred stock in some financial institutions.c. issuing guarantees on money market funds.d. doing all the above.e. doing a & b only.2. An “independent” bank is:a. an “independent” subsidiary of a multi-bank holding company.b. another name for a one-bank holding company.c. a bank that is exempt from paying federal income taxes.d. not controlled by a multi-bank holding company or any other outside interest.e. a bank that is specifically created to underwrite independent corporate debt issues.3. What is the primary motivation today of forming a financial holding company?a. To branch across state lines.b. To engage in activities not permitted in a bank holding company.c. To branch within a particular state’s boundaries.d. To reduce the risk of bank failures.e. To increase speculation.4. The Federal Reserve may prevent the formation of a financial holding company if one of its insured depository institution subsidiaries:a. received an unsatisfactory in its most recent Community Reinvestment Act exam.b. has branches across state lines.c. is part of a bank holding company.d. makes too many subprime loans.e. is highly capitalized.5. ______________ refers to the process of pooling a group of assts with similar features and issuing securities that are collateralized by the assets.a. Originate-to-sellb. Mortgage collateralizationc. Securitizationd. Deposit originatione. Loan-to-distribute6. Which of the following is not a component of the Farm Credit System?a. Federal Land Credit Associations.b. Agricultural Lending Office.c. Farm Credit Administration.d. Farm Credit Banks.

Answer both 2 of the following questions. a) Explain what an ILC is and discuss why they grew so much from the late 1980s-mid 2000s. b) Explain how Mutual of Omaha Bank and BMW Bank fit into their parent companies business model.

Answer the following questions.   a. Explain why a rating system for banks is necessary.   b. Explain how the CAMELS rating system works.   c. Choose two of the letters from AMELS (C is not an option) and explain the general intent of each category and        provide two specific measurement items or concerns from each category.   d. Explain one of the other two areas that are now part of the CAMELS+ examination (the +)   e. In this era of disclosure and open access to information, CAMELS ratings are still not available to the general        public. Explain why this has always been the case and if it is likely the right thing to do in the modern era.

Evaluate the capital adequacy of the bank below. Illustrate using the format from the problems worked in class.Balance Sheet for Mayville State Bank ($000,000 of dollars)Assets                                                                                                                      Liabilities and Capital               Reserves                                               88                                        Demand deposits                             634               Government Agency Securities        44                                        NOW accounts                                   210               State of SC Bonds                             322                                        Savings                                              1106               Richland County Bonds                     96                                        Other non-transactions dep.         1258            City of Columbia Bonds                     64                                        Borrowing                                           350               Treasury Notes                                    38                                        Subordinated debt                              40               Treasury Bonds                                   24                                        Other liabilities                                   450               Treasury Bills                                       56                                        Equity capital                                      132               Deposits with other banks             156                                                       Residential Mortgages                  1450               Consumer loans                              230               Agricultural loans                          1110               Business loans                                 444               Loan loss reserve                             -96               Fixed assets                                      154                                                                                                                       Total                                              $4,180                                       Total                                                     $4,180

Select 5 (of the 10 listed for AS 1) different channels that banks use to deliver services. For each, explain how the channel works describe the characteristics of the customers who will likely be users of services in that channel.