11.In the 5-Stage DuPont ROE formula, which of the following is considered a utilization ratio a. NI / EBT or the tax burden ratio b. EBT/EBIT or the interest burden ratio c. EBIT /Sales or the operating margin d. Sales/TA or total asset turnover ratio e TA/SE or the leverage ratio 12. During lecture and on the lecture slides, we evaluated Vulcan Materials' operating margin over a f when economic conditions year business cycle. Because Vulcan Materials' operating margin deteriorate (e.g. during the housing crisis), Vulcan Material's would best be categorized as a cyclical company cycdlical company non-cyclical company non-cyclical company counter-cydlical company a. decreases b. increases d. increases e. increases : ear. PR of 30.0%. If, however, Due to your current credit score, your credit card company charges you an A you took measures to increase your credit score by 100points, your credit card company would instantaneously adjust your APR by 5.0%. How much would you save over 1.0 year if you took actions to increase your credit score? a. $1,525 b. $1,603 c. $1,677 d. $8,622 e. $8,717 14. You are the beneficiary of a trust set up by your grandparents. You will receive a total of 60 after tax cash flows ($1,000 each) beginning six years from now (T-6) when you turn age 25. These payments are intended to help cover your living expenses over the course of your expected lifetime. Assume the appropriate discount rate is 6.0% per annum. what is the present value of the 60 payments a. $11,372 b. $11,393 c. $12,077 d. $12,098 e. $16,667 15. You have $1000 in a savings account today (T-0). Approximately how much longer would it take for yourinvestment to double Le tobecome worth $2000 if you earned 4.0% on your savings as opposed to 12.0% atthe end of every calendar year? Hint: Think Rule of 72. a. 6 years b. 8 years c. 12 years d. 16 years 18 years