Which of the following statements about evolution is true?    A) Evolution only results in the addition of traits to existing organisms.    B) Evolution only results in the loss of traits from existing organisms.    C) Evolution can result in the addition or loss of traits in existing organisms.    D) Evolution has nothing to do with the addition or loss of traits.

Which of the following diagram represents metaphase I of meiosis? 

47) Human Genome Program has found _________ genes in human genome. A) 100,000 B) 10,000C) 25,000 D) 45,000

68) In aerobic respiration, chemiosmotic generation of ATP is driven by: A) PO4 transfer through the plasma membrane. B) the Na+/K+ pump. C) a difference in H+ concentration on the two sides of the inner mitochondrial membrane. D) osmosis of macromolecules.

14) The monomer of proteins with a central carbon atom which is bonded to a carboxyl group, an amino group, a carbon containing group, and a hydrogen atom are called: A) amino acids.B) fatty acids. C) nucleotides. D) peptides. 

Given the following information about a fully amortizing loan, calculate the effective borrowing cost to the owner (EBC). Loan Amount: $180,000.00 Loan Amortization Term: 18 years Interest Rate: 5.00% compounded monthly Monthly Payment: $-1,265.46 Discount Points: 4 Other Closing Expenses:  $1,000.00 Assume the owner pays off the loan early at the end of year: 8

Given the following information about a fully amortizing loan, calculate the lender’s yield. Loan amount: $210,000.00 Term: 21 years Interest rate: 5.75% compounded monthly Monthly Payment: $-1,437.10 Discount points: 1.75

Given the following information about a fully amortizing loan, calculate the effective borrowing cost to the owner (EBC). Loan Amount: $220,000.00 Loan Amortization Term: 22 years Interest Rate: 6.00% compounded monthly Monthly Payment: $-1,502.76 Discount Points: 2 Other Closing Expenses:  $2,000.00 Assume the owner pays off the loan early at the end of year: 12

Upon starting his first job after graduation, Jon has completed the necessary paperwork to set up direct deposit of his paycheck into his savings account. After taxes, medical benefits, and retirement account contributions have been taken out of John’s gross salary, he is left with a direct deposit of $[a] at the end of each month. If John started with no other savings in his account, how much will John have in his savings account at the end of [b] months if he is able to earn an annual interest rate of [c]%, with interest being compounded monthly?

Suppose that an industrial building can be purchased today for $250,000.00. If it is expected to produce cash flows of $25,000.00 for each of the next 5 years (assume CFs are received at the end of each year) and can be sold at the end of the fifth year for $287,500.00, what is the internal rate of return (IRR) on this investment?