Victor is a freelance photographer. He operates as an independent contractor, and offers photography services for weddings, graduations, and corporate events in and around the Tampa area.  One day, on his way to a photography shoot, Victor is involved in a serious car accident, and sustains serious injury to both his left arm and leg. The injury requires surgery at the hospital, which ends up costing $15,000. Additionally, Victor will need three months of physical therapy sessions to rehabilitate, which costs an additional $5,000.  During the three months Victor is rehabilitating, he is not physically able to perform any photography services; and as a result could not accept any photography contracts.    The above scenario is an example of a Personal Risk for Victor. Which consequence of a personal risk does the underlined sentence meet? 

In Topic 1 we learned about Loss Exposures – and the three elements that define a loss exposure:  1) We all have an asset exposed to loss = our Human Capital  2) We all face potential causes of loss = “Personal Risks”  3) Those Personal Risks pose financial consequences to us    What are the “financial consequences” that we may incur as a result of the personal risks that we face? 

3. (to you – Give!) мне синюю ручку!

1. Вчера я (идти / пойти / ходить) в Русский музей. Какие красивые картины!

3. Где Миша? Я дома, но его нет. Интересно, куда он (идти / пойти / ходить) ?

C. (12 points total). You and your friends are staying with one of your Russian acquaintances, Dima, at his dacha for the weekend. He seems to enjoy telling you what do, but what can you do? His dacha, his rules. Write down the commands he gives you in Russian. You and Dima are on familiar (ты) terms, but he has a lot to say to others as well.

(to you – Speak!) по-русски каждый день!

How does he describe the weather during that month? List three of the details that he mentions.

According to Jim, what do people like to do in his city in the summer? Name three things.

When does he like to go and why then? State both when and why.