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22. In a promissory note, the borrower is called the:a. payee.                       b. maker.                     c. beneficiary.               d. none of the above. 

18. In a seller’s market:a. supply exceeds demand.       b. demand exceeds supply.            c. home prices decline.             d. none of the above.

11. A borrower seeking a conventional loan with a larger LTV than the traditional ratio is required to:  a. have a cosigner on the loan.                              b. make a 50% down payment.   c. be over the age of 55.   d. carry private mortgage insurance.

Pedophilic disorder first emerges during ______.

65. The minimum requirement in needed repairs for an FHA 203k loan is:a. $20,000.            b. $10,000.                            c. $5,000.             d. none of the above.             

50. Who is responsible for supervising the Truth in Lending Law?a. The Federal Bureau of Investigation (FBI)b. The Consumer Financial Protection Bureau (CFPB)c. The United States Treasuryd. The United States Attorney General

14. The Fair Credit Reporting Act:a. does not pertain to real estate transactions.b. does not pertain to unmarried individuals.c. requires credit reporting agencies to remove all adverse information over 7 years old except for     bankruptcies and foreclosures.d. does not pertain to collection accounts.

4. Mortgage-related securities:a. are easily bought and sold.                                                             b. are issued by participants in the secondary market.                       c. have real estate mortgages as their collateral.d. all of the above.

An individual will show psychotic symptoms if the glutamate receptors in their brain are blocked.

Suppose you are a therapist meeting a client for the first time and you are explaining confidentiality. Name the three exceptions to confidentiality that was explained by your Professor and in the text: