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Refer to the map below and answer these questions: 1. What are the areas highlighted in red called? 2. Identify one pattern you see on this map and explain that pattern.   

The body of water behind a dam is called a ______________________.

A biome is classified as a desert if the temperature is hot year-round.

Which of the following is not a cause of food insecurity?

Why are seeds kept in the Svalbard Global Seed Vault?

Discuss one advantage and one disadvantage of ARM over FRM.  [Note: Do not type your answer in Canvas]

What are two practices/methods used by organic farmers to eliminate/reduce the need for pesticides?

Of the following types of mining, which type is mostly used on mountains?

Paper:  QE MacWhinnie.pdf | You download and/or print this for reference as you complete part 2 of the exam. PSU Library Access: Click on the Library Resources link in the left-hand navigation bar to access the PSU libraries and assist in completing this exam. You may download PDFs from the library and access/reference them throughout this exam. In addition here is a quick to Penn State University Libraries search.

Given the following interest rates: tR1 = 1.4% = 0.014 tR2 = 1.9% = 0.019 tR3 = 2.6% = 0.026 tR4 = 3.0% = 0.030 a.  Calculate the short-term interest rate two years from now.  [Note: Do not type your answer in Canvas] [10 points] b.  What is the interest rate on a three-year investment?  [Note: Do not type your answer in Canvas] [4 points]