4. Which of the following personal traits would be affected by your physical health: A. Self-confidence C. Gender B. Cultural background D. Ethnic heritage

5. One reason why ethics is often a consideration w hen providing information is because of the issue of A. respect. C. safety. B. privacy. D. diversity.

6. Why do many businesses develop programs and activities to help reduce employee stress? A. To exhibit empathy C. To eliminate conflict B. To encourage creativity D. To maintain productivity

7. A credit plan that requires a signed contract, a down payment, and the balance to be paid over a specific period of time is called __________ credit. A. revolving C. open B. installment D. regular

8. The amount of interest you earn in a typical savings account is about A. 11 percent. C. one percent. B. 10 percent. D. 15 percent.

9. If you are 17 right now, what is the best age to begin investing? A. 27 C. 17 B. 32 D. 25

0. How do finance companies commonly raise capital? A. Investing deposits from savers B. Investing funds from premium payments C. Issuing notes, bonds, and other obligations D. Establishing mutual f unds and investment banks

1. Mortgages and government bonds are examples of A. debt instruments. C. unrated investments. B. equity products. D. interest-free services.

2. Debt markets buy and sell ___________, and equity markets buy and sell _________. A. corporate stock, certificates of deposit C. grain, gold B. government bonds, corporate st ock D. gold, government bonds

3. A primary factor that has led to the co nsolidation of financial firms is the desire A. for fewer products. C. to lower costs. B. for fewer assets. D. to lower risks.

4. The Money for You Bank recently merged with the Keeping You Safe Insurance Company. The merger is an example of __________ in the finance industry. A. consolidation C. tactical planning B. convergence D. licensing

5. Falling interest rates typically cause A. stock prices to increase. C. a stock market to crash. B. stock prices to decrease. D. no change in stock prices.