What factors are encouraging financial institutions to offer overlapping financial services such as banking, investment banking, and brokerage? I. Regulatory changes allowing institutions to offer more services II. Technological improvements reducing the cost of providing financial services III. Increasing competition from full-service global financial institutions IV. Reduction in the need to manage risk at financial institutions

Identify the following organic compounds.

Which of the following statement(s) is/are TRUE? Select all the true statements.

What is the primary purpose of the SHOW CREATE TABLE command in SQL?

FILL-IN: Lamarck proposed that giraffe parents lengthened their necks by stretching to reach leaves, then passed their lengthened necks to their offspring. He called his hypothesis “the inheritance of _____________”.  Spell carefully, and give the complete term.

In the phylogeny below, note the following variations: -Body size (large or small) -Number of arms (3, 4, or 5 arms) -Body coloration (spotted, striped, or solid)   Which trait(s) evolved at position #1? Select the one best answer.

Select the list with the correct consecutive order of taxonomic categories, from broadest (most inclusive) to narrowest:

Which of the following statements related to evolution is FALSE?

The echidna is an egg-laying mammal whose body is covered in quills for protection from predators.  The porcupine’s body also is covered in quills for protection, although porcupines are not closely related to echidnas. What is the best explanation for presence of quills in these two species?

HARDY-WEINBERG CALCULATIONS: In a population of gorillas, there are two alleles at a particular locus (G and g), and the frequency of the dominant G allele is 0.1.  What is the expected frequency of heterozygotes under the Hardy-Weinberg equilibrium model?