1. What does the parable of the talents tell us about using our talents in mathematics? About always giving a full effort in all our endeavors? Explain why some of the harshest words in the bible were aimed at the man who was afraid to try.

2. Explain the concept of amortization. Why are common consumer loans, such as car loans and mortgages, made on an amortized basis? Give a possible explanation why many loans made to businesses are term loans rather than amortized loans.