Small Town used to be just that–a small town 6 miles from Large City. Over the years, the area between Small Town and Large City has developed, and now Small Town is part of the suburbs surrounding Large City. An auto insurer that operated in the area had a large increase in auto claims from Small Town insureds. The insurer did not adjust its rates, and this year will lose money because of claims attributable to higher population density. Which business rating objective did this insurer fail to meet? 

Connie has an individual medical expense policy with a $1,000 deductible. She is required to pay 20 percent of covered expenses in excess of the deductible. The insurer will pay 80 percent of expenses in excess of the deductible. If Connie has eligible medical expenses of $26,000, how much will be paid by her insurer? 

The figure below on the right shows a variable power supply connected to a coil and an ammeter (left part) and a nearby coil is connected to a voltmeter (right part). The graph on the left depicts the time dependence of the ammeter reading, i.e., current versus time. Which of the graphs below best describes the induced emf in the right side coil, i.e, the voltmeter reading at different times? xx.png Screenshot 2024-04-13 at 10.03.35 AM.png  

The golgi apparatus of most cells tends to aggregate towards the center of the cell (near the nucleus and the microtubule organizing center).  The best explanation for this is that:

Suppose a researcher conducted a cross-sectional study on attention deficit hyperactivity disorder (ADHD) and externalizing behaviors (e.g., rule-breaking or defiant behavior) among adolescents. During the summer months, the researcher works as a volunteer at a summer education program for adolescents who struggle with their schoolwork. The researcher decides to invite the adolescents who attend the summer program for participation in the study.   The researcher is worried that there might be selection bias in the estimate of the effect of ADHD on externalizing behaviors because ADHD and externalizing behaviors are both reasons for participation in the summer program and therefore also both affect study participation. To assess potential selection bias, the researcher drew the directed acyclic graph (DAG) in Figure 2.   Based on the DAG in Figure 2, will there be selection bias (yes/no)? (2 points) Explain your answer (max. 4 points).

Suppose a team of researchers was interested in studying whether individuals with generalized anxiety disorder are more likely to abuse substances. The researchers used a cross-sectional design and sampled individuals who were being treated at the psychiatry department of Tampa General Hospital. After enrolment, the researchers used the medical records of the participants to determine both anxiety disorder status and substance abuse status. The researchers found that substance abuse was 0.90 times more prevalent among individuals with an anxiety disorder compared to individuals without anxiety disorder. The researchers submitted a manuscript with their findings to a peer-reviewed journal. One of the reviewers points out that the estimated prevalence ratio of 0.90 is counterintuitive and that this counterintuitive finding may be explained by selection bias.   Which two (2) conditions need to hold for selection bias to occur in this study on anxiety disorder and substance abuse? (max. 4 points per condition)

The 15th Amendment made Black people citizens by birth:

__________________ was the founder of the UNIA:

Ida B. Wells:

Most Fortune 500 companies have a supplier diversity program with specific and measurable goals including spending targets. The benefits of a supplier diversity program include: