Scenario: On her way home from work, Kareena stops by her mailbox to pick up her mail. As she walks to her apartment, she begins reading her mail. She’s happy to see a letter from her daughter, and a wedding invitation from her nephew. But she also notices the following piece of mail: An envelope from a Dentist’s Office. It looks like a bill, yet Kareena doesn’t remember going to the dentist recently.   Are there warning signs of likely Identity Theft?

Financial obligations are automatically suspended when disasters strike.

Binh Explores Her Options for Buying New FurnitureRaising children has been tough on Binh’s living room furniture. And, because of challenges finding and keeping steady employment, she hasn’t had enough income to replace it. But now that she has more income from a steady job, she can finally start buying some nicer things for her home. Earlier this week, she saw a living room set for sale that she really liked. It cost $2,500 which is more than the $1,500 she has saved for new furniture at this point. Yesterday Binh explored some options for buying the furniture and learned: Installment Loan: She could get a 36-month unsecured installment loan for $1,000 from her local bank. When she adds up the loan amount with interest, plus the $1,500 she pays from her savings, she realizes she will pay a total of $2,636 for the furniture. And, she would be in debt for three years, making payments of about $32.00 each month. Credit Card: She could keep her savings for an emergency and instead buy the furniture using her credit card. Her credit limit is high enough. If she takes this option, she estimates that she will pay at least $3,000 for the furniture. That includes the interest she’ll pay to the credit card company since she won’t be paying off the balance right away. Her credit card payments would be about $83.00 each month for three years. Layaway Plan: She could purchase the furniture on layaway. The store tells her that purchasing the furniture this way would mean paying $2,750 for the furniture. But she won’t get to bring home the furniture until she’s paid $229.00 each month for 12 months. Rent-to-own contract: She could use a rent-to-own option. The same living room set is available for delivery tomorrow from a local store. When she adds up the payments and fees for their rent-to-own option, she learns that she will pay $3,500 for the furniture. She estimates that she’ll be paying $292.00 each month for 12 months if she chooses this option. Which option has the lowest monthly payment? (Choose one:)

Binh Explores Her Options for Buying New FurnitureRaising children has been tough on Binh’s living room furniture. And, because of challenges finding and keeping steady employment, she hasn’t had enough income to replace it. But now that she has more income from a steady job, she can finally start buying some nicer things for her home. Earlier this week, she saw a living room set for sale that she really liked. It cost $2,500 which is more than the $1,500 she has saved for new furniture at this point. Yesterday Binh explored some options for buying the furniture and learned: Installment Loan: She could get a 36-month unsecured installment loan for $1,000 from her local bank. When she adds up the loan amount with interest, plus the $1,500 she pays from her savings, she realizes she will pay a total of $2,636 for the furniture. And, she would be in debt for three years, making payments of about $32.00 each month. Credit Card: She could keep her savings for an emergency and instead buy the furniture using her credit card. Her credit limit is high enough. If she takes this option, she estimates that she will pay at least $3,000 for the furniture. That includes the interest she’ll pay to the credit card company since she won’t be paying off the balance right away. Her credit card payments would be about $83.00 each month for three years. Layaway Plan: She could purchase the furniture on layaway. The store tells her that purchasing the furniture this way would mean paying $2,750 for the furniture. But she won’t get to bring home the furniture until she’s paid $229.00 each month for 12 months. Rent-to-own contract: She could use a rent-to-own option. The same living room set is available for delivery tomorrow from a local store. When she adds up the payments and fees for their rent-to-own option, she learns that she will pay $3,500 for the furniture. She estimates that she’ll be paying $292.00 each month for 12 months if she chooses this option. Other than paying in cash, which option results in Binh paying the least money for the furniture? (Choose one:)

In hamsters, an autosomal gene (F) controls solid coat pattern that is dominant over spots.  Another gene (E) is sex-linked, and controls the appearance of the tail.  Cotton-tail is recessive to a normal, straight tail. a)    A heterozygous, solid-pattern female, homozygous for normal tail is mated to a spotted, cotton-tail male.  What are the genotypes of the parents?  Use a Punnett square to diagram the cross and show the F1 genotypes.  b)    If a spotted, normal-tailed F1 female is mated to a F1 solid-pattern, normal-tailed male, what are the chances of obtaining a solid-pattern, cotton-tail male hamster?   

In determining the colour of watermelon fruit, let G represent the green colour and g represent the striped colour.  If two Gg plants are crossed, what is the probability of offspring with the homozygous recessive genotype?

Explain what is meant by convergent evolution and divergent evolution.  Give examples.

When removing horn buds with a dehorning iron, what is one serious side effect of leaving the iron on too long?

A mare requires the removal of a nondiseased ovary. The veterinarian determines that the best method for this is through a flank incision or via an incision in the vaginal wall. This procedure is called a(n):

When unwrapping a surgical pack, the outer drape: