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Personal notes should be used only when teachers want to alert parents to problems.

Conversations when parents bring their children into classrooms are disruptive to classroom functioning and should be avoided.

Conferences with parents are most useful when problems with children develop.

Easing-in schedules are often difficult for families and teachers to arrange, but are very beneficial to children.

Sadness when parents leave is handled best by teachers ignoring the child.

 Jorge has applied for a mortgage loan to purchase his own home. His credit score is well above the minimum 640 required by the lender. The appraised value of the house is $285,000 and purchase price of the house is $295,000. The maximum loan to value the mortgage lender allows is 95%. The mortgage lender’s maximum front-end debt ratio allowed is 29% and maximum back-end debt ratio allowed is 41%.The lender is charging a one (1)-point origination fee and that is included in the total closing costs.  Closing costs total $5,000. How much will the lender lend to Jorge if they go to the maximum loan to value %?

 Jorge has applied for a mortgage loan to purchase his own home. His credit score is well above the minimum 640 required by the lender. The appraised value of the house is $285,000 and purchase price of the house is $295,000. The maximum loan to value the mortgage lender allows is 95%. The mortgage lender’s maximum front-end debt ratio allowed is 29% and maximum back-end debt ratio allowed is 41%.The lender is charging a one (1)-point origination fee and that is included in the total closing costs.  Closing costs total $5,000. Based on the information above, how much money will Jorge have to come up with to finalize the purchase if the bank lends him the full loan to value amount?

According to our textbook, banks hold cash (which is part of their balance sheet).  Which of the following is NOT TRUE about banks holding cash?

Which of the following best illustrates the concept of economies of scope?  

Which of the following is least relevant when examining the threat of competitive rivalry?