Essay Question Instructions: Make sure you show all work on the five essay questions on scratch paper. Upload a PDF of your written work to the Canvas Upload module immediately after you finish the test. Most of the points are awarded based on your written work, not the final answer that you submit to each question. Essay Question 1: (A) Suppose that your student loan balance is $48,000.00 dollars and that the annual percent rate is 6.6% compounded monthly. Suppose also that this rate is fixed and you want to repay the loan in 10 years. How much will your monthly payment be? (B) Assume you deposit $30,000.00 dollars into a savings account that pays you simple interest at an annual percent rate of 5%. How long do you have to wait for your account balance to be $126,000.00?

You have $3,000 and will deposit it in the bank which earns 3% interest. Which type of interest is most favorable to you?

Suppose there are three delegates to a country convention: Adam has 5 votes from his precinct, Bob has 4 votes, and Cathy has 2 votes. A total of 7 votes wins. Find the Banzhaf index for Adam.

Suppose California, Oregon, Nevada, and Washington form a Tourism Board to increase business to the region. There will be 120 members of the board, and the membership from each state was determined by its population in 2024, given below. State Population California 39,430,000 Oregon 4,270,000 Nevada 3,270,000 Washington 7,960,000 Total 54,930,000 What is the standard divisor, rounded to the nearest thousand?

(1.05, 2.04, 2.05, MC) Read the following passage and then select the correct answer to the question below: THE WORLD WITH A THOUSAND MOONSCHAPTER 1: Thrill CruiseBy Edmond Hamilton Lance Kenniston felt the cold realization of failure as he came out of the building into the sharp chill of the Martian night. He stood for a moment, his lean, drawn face haggard in the light of the two hurtling moons. He looked hopelessly across the dark spaceport. It was a large one, for this ancient town of Syrtis was the main port of Mars. The forked light of the flying moons showed many ships docked on the tarmac—a big liner, several freighters, a small, shining cruiser and other small craft. And for lack of one of those ships, his hopes were ruined! A squat, brawny figure in shapeless space-jacket came to Kenniston’s side. It was Holk Or, the Jovian who had been waiting for him. “What luck?” asked the Jovian in a rumbling whisper. “It’s hopeless,” Kenniston answered heavily. “There isn’t a small cruiser to be had at any price. The meteor-miners buy up all small ships here.” “The devil!” muttered Holk Or, dismayed. “What are we going to do? Go on to Earth and get a cruiser there?” “We can’t do that,” Kenniston answered. “You know we’ve got to get back to that asteroid within two weeks. We’ve got to get a ship here.” Desperation made Kenniston’s voice taut. His lean, hard face was bleak with knowledge of disastrous failure. The big Jovian scratched his head. In the shifting moonlight his battered green face expressed ignorant perplexity as he stared across the busy spaceport. “That shiny little cruiser there would be just the thing,” Holk Or muttered, looking at the gleaming, torpedo-shaped craft nearby. “It would hold all the stuff we’ve got to take; and with robot controls we two could run it.” “We haven’t a chance to get that craft,” Kenniston told him. “I found out that it’s under charter to a bunch of rich Earth youngsters who came out here in it for a pleasure cruise. A girl named Loring, heiress to Loring Radium, is the head of the party.” The Jovian swore. “Just the ship we need, and a lot of spoiled kids are using it for thrill-hunting!” Kenniston had an idea. “It might be,” he said slowly, “that they’re tired of the cruise by this time and would sell us the craft. I think I’ll go up to the Terra Hotel and see this Loring girl.” “Sure, let’s try it anyway,” Holk Or agreed. With the Jovian clumping along beside him, Kenniston made his way from the spaceport across the ancient Martian city. The writer’s description of Lance Kenniston’s expression sets up (3 points)

(2.09, LC) Which sentence would a writer use to best appeal to the reader’s sense of taste? (3 points)

(1.05, 2.04, 2.05, LC) In a typical story, the conflict is usually introduced in the (3 points)

(2.03, MC) Choose a conflict faced by the protagonist in the novel you read in Unit 2. In three to five sentences, describe the conflict and explain, in detail, how that conflict changed the character. Use specific examples from the book to support your answer, and be sure to identify the title of the book. (10 points)

(3.02, HC) from President John F. Kennedy’s Inaugural Address, 1961 …In your hands, my fellow citizens, more than in mine, will rest the final success or failure of our course. Since this country was founded, each generation of Americans has been summoned to give testimony to its national loyalty. The graves of young Americans who answered the call to service surround the globe. Now the trumpet summons us again—not as a call to bear arms, though arms we need; not as a call to battle, though embattled we are—but a call to bear the burden of a long twilight struggle, year in and year out, “rejoicing in hope, patient in tribulation”—a struggle against the common enemies of man: tyranny, poverty, disease, and war itself. Can we forge against these enemies a grand and global alliance, North and South, East and West, that can assure a more fruitful life for all mankind? Will you join in that historic effort? In the long history of the world, only a few generations have been granted the role of defending freedom in its hour of maximum danger. I do not shrink from this responsibility—I welcome it. I do not believe that any of us would exchange places with any other people or any other generation. The energy, the faith, the devotion which we bring to this endeavor will light our country and all who serve it—and the glow from that fire can truly light the world. And so, my fellow Americans: ask not what your country can do for you—ask what you can do for your country. My fellow citizens of the world: ask not what America will do for you, but what together we can do for the freedom of man. Finally, whether you are citizens of America or citizens of the world, ask of us the same high standards of strength and sacrifice which we ask of you. With a good conscience our only sure reward, with history the final judge of our deeds, let us go forth to lead the land we love, asking His blessing and His help, but knowing that here on earth God’s work must truly be our own. Read this passage from the text: In your hands, my fellow citizens, more than in mine, will rest the final success or failure of our course. Since this country was founded, each generation of Americans has been summoned to give testimony to its national loyalty. What effect does Kennedy want these words to have? (3 points)

(1.08, 2.04, LC) THE WORLD WITH A THOUSAND MOONSCHAPTER 1: Thrill CruiseBy Edmond Hamilton Lance Kenniston felt the cold realization of failure as he came out of the building into the sharp chill of the Martian night. He stood for a moment, his lean, drawn face haggard in the light of the two hurtling moons. He looked hopelessly across the dark spaceport. It was a large one, for this ancient town of Syrtis was the main port of Mars. The forked light of the flying moons showed many ships docked on the tarmac—a big liner, several freighters, a small, shining cruiser and other small craft. And for lack of one of those ships, his hopes were ruined! A squat, brawny figure in shapeless space-jacket came to Kenniston’s side. It was Holk Or, the Jovian who had been waiting for him. “What luck?” asked the Jovian in a rumbling whisper. “It’s hopeless,” Kenniston answered heavily. “There isn’t a small cruiser to be had at any price. The meteor-miners buy up all small ships here.” “The devil!” muttered Holk Or, dismayed. “What are we going to do? Go on to Earth and get a cruiser there?” “We can’t do that,” Kenniston answered. “You know we’ve got to get back to that asteroid within two weeks. We’ve got to get a ship here.” Desperation made Kenniston’s voice taut. His lean, hard face was bleak with knowledge of disastrous failure. The big Jovian scratched his head. In the shifting moonlight his battered green face expressed ignorant perplexity as he stared across the busy spaceport. “That shiny little cruiser there would be just the thing,” Holk Or muttered, looking at the gleaming, torpedo-shaped craft nearby. “It would hold all the stuff we’ve got to take; and with robot controls we two could run it.” “We haven’t a chance to get that craft,” Kenniston told him. “I found out that it’s under charter to a bunch of rich Earth youngsters who came out here in it for a pleasure cruise. A girl named Loring, heiress to Loring Radium, is the head of the party.” The Jovian swore. “Just the ship we need, and a lot of spoiled kids are using it for thrill-hunting!” Kenniston had an idea. “It might be,” he said slowly, “that they’re tired of the cruise by this time and would sell us the craft. I think I’ll go up to the Terra Hotel and see this Loring girl.” “Sure, let’s try it anyway,” Holk Or agreed. With the Jovian clumping along beside him, Kenniston made his way from the spaceport across the ancient Martian city. Read the following line from the text: The forked light of the flying moons showed many ships docked on the tarmac. Which words remind the reader that this story is set in space? (3 points)