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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]

Consider this community of coastal birds and discuss how the piping plover might be affected by climate change.   

What is a food desert?

Bank A and Bank B both have a 10% required reserve ratio, RRR.                             Bank A                                                                         Bank B           Assets                       Liabilities                                 Assets                         Liabilities Total Reserve  $10      Deposits  $100                   Total Reserve   $30       Deposits  $100       Securities         $70                                                  Securities          $50 Loans                $20                                                  Loans                 $20      Total           $100                    $100                        Total             $100                        $100 A customer withdrew $10 from both Bank A and Bank B.  After the withdrawal, show the balance sheet of Bank A and Bank B.  [Note: Do not type your answer in Canvas]

There are no bioeffects associated with ultrasound.