Insured: Phil E Phanatic• 27 years old, married, two childre…

Insured: Phil E Phanatic• 27 years old, married, two children• $50,000 annual salary and will retire at 67• $20,000 used for taxes, insurance, and personal needs/wants• Assumed 5% discount rate• PV of 40 annual payments of $1: $17.16• Phil’s life value: $30,000 x 17.16 = $514,800 What amount of insurance would you recommend to Phil if you’re apply the needs approach?

A PTA is treating a patient with low back pain.  According t…

A PTA is treating a patient with low back pain.  According to the PT’s POC core stabilization exercises are to be performed.  The PTA instructs the patient in contralateral arm and leg lifts in quadriped position while “drawing in”.  The patient performs the exercises without any difficulty.  Which of the following exercises would be the MOST appropriate to instruct the patient in next?