Dawn French's regular hourly wage rate is $15, and she receives an hourly rate of $20 for work in excess of 40 hours. During a January pay period, Dawn works 45 hours. Dawn's federal income tax withholding is $95, and she has no voluntary deductions. Compute Dawn French's gross earnings and net pay for the pay period. Briefly explain the following types of bonds (a) secured and unsecured, (b) term and serial, (C) registered and bearer, and (d) convertible and callable