According to Campos-Vasquez and Cuilty (2014), sadness decreases risk aversion and anger increases it.

The human ear actively performs a , breaking down complex soundwaves into their component parts called .

In linkage studies, a test cross involves a cross between a double heterozygote and an individual that is homozygous recessive for both genes. Recombinant offspring are produced when a crossover occurs 

Speedy Scooters is a company that manufactures and sells electric scooters. It was recently discovered that its newest model scooter was built with a faulty battery. Many customers have already reported after only a few hours of use the battery would overheat: destroying the electric engine; and in some extreme cases actually catching on fire. In all cases, the customer’s scooter was rendered inoperable. And in the extreme cases, the scooter was completely destroyed by the spontaneous combustion and the customers actually reported minor burn injuries.  From the perspective of Speedy Scooters – the above scenario is an example of which quadrant of risk? 

**This is a Multi-Part Multiple Choice Question = worth 8 points total Mark is the Risk Manager of Crown Condo Inc. – which owns a $500,000 wood frame condominium building in Redding, California. Being located in Northern California, the condo building faces the peril of wildfire.  If no wildfire strikes the area (No Loss) = then no loss occurs to the condo building. If a wildfire would strike the area, it would completely destroy the entire condo building (Total Loss of the value of the building) Mark estimates the probability of a wildfire striking the area = 1.5%  Mark is deciding between three Risk Management Options for the Crown Condo building:  1) Retention 2) Deductible Insurance  Policy Limit = $500,000 (the value of the building) Deductible = $3,000 Premium = $10,000 3) FULL Insurance  Face Amount = $500,000 There is no deductible with Full Insurance  Premium = $15,000   Question #1: Complete the below Loss Matrix based on the information provided to you above:  Risk Mgmt. Option No Loss Total Loss  RM Option #1 = Retention Loss Amount Risk Treatment Costs RM Option #2 = Deductible Insurance Loss Amount Risk Treatment Costs RM Option #3 = Full Insurance Loss Amount Risk Treatment Costs   Question #2: Mark’s Worry Value for each of the three risk management options is as follows:  Worry Value for Retention = $5,000 Worry Value for Deductible Insurance = $1,500 Worry Value for Full Insurance = ???   Calculate the TOTAL COST of each of the three risk management options:  ***The first component of Total Cost = the Expected Value or Loss > has been provided for you… no need to calculate it!    RM Option #1: Retention > TOTAL COST = ($7,500) + (?) + (?) = RM Option #2: Deductible Insurance > TOTAL COST = ($45) + (?) + (?) = RM Option #3: Full Insurance > TOTAL COST = ($0) + (?) + (?) =     Question #3: If Mark’s decision rule is to minimize Total Cost – which risk management option does he choose?  =

Name a property that distinguishes human language from animal communication.

**This is a Multi-Part Multiple Choice Question = worth 8 points total Mark is the Risk Manager of Crown Condo Inc. – which owns a $500,000 wood frame condominium building in Redding, California. Being located in Northern California, the condo building faces the peril of wildfire.  If no wildfire strikes the area (No Loss) = then no loss occurs to the condo building. If a wildfire would strike the area, it would completely destroy the entire condo building (Total Loss of the value of the building) Mark estimates the probability of a wildfire striking the area = 1.5%  Mark is deciding between three Risk Management Options for the Crown Condo building:  1) Retention 2) Deductible Insurance  Policy Limit = $500,000 (the value of the building) Deductible = $3,000 Premium = $10,000 3) FULL Insurance  Face Amount = $500,000 There is no deductible with Full Insurance  Premium = $15,000   Question #1: Complete the below Loss Matrix based on the information provided to you above:  Risk Mgmt. Option No Loss Total Loss  RM Option #1 = Retention Loss Amount Risk Treatment Costs RM Option #2 = Deductible Insurance Loss Amount Risk Treatment Costs RM Option #3 = Full Insurance Loss Amount Risk Treatment Costs   Question #2: Mark’s Worry Value for each of the three risk management options is as follows:  Worry Value for Retention = $5,000 Worry Value for Deductible Insurance = $1,500 Worry Value for Full Insurance = ???   Calculate the TOTAL COST of each of the three risk management options:  ***The first component of Total Cost = the Expected Value or Loss > has been provided for you… no need to calculate it!    RM Option #1: Retention > TOTAL COST = ($7,500) + (?) + (?) = RM Option #2: Deductible Insurance > TOTAL COST = ($45) + (?) + (?) = RM Option #3: Full Insurance > TOTAL COST = ($0) + (?) + (?) =     Question #3: If Mark’s decision rule is to minimize Total Cost – which risk management option does he choose?  =

Homeowners insurance is indemnification against unexpected home damages. However, in class we discussed how flooding is not a covered loss event on most homeowner’s insurance contracts.  This is primarily because: 

Kreiman et al. (2000) found neurons that responded intensely when a person looked at specific objects, such as a baseball, while not responding to others, such as a face. Further, they showed that these neurons _____ .

Assuming that 50% of the offspring are male and 50% are female, what is the probability of this couple having a daughter with long index fingers?