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36. When an emerging market suffers an economic dedine, foreign investors usually A. help the emerging market to recover economically. B. use the opportunity to invest more in the emerging market. C. quickly withdraw their money from the emerging market. D. pay less for each transaction in the emerging market. 37. Which of the following has accelerated the globalization of financial markets: A. An expansion of protectionism practices B. The reduction of government regulations C. The movement toward fixed exchange rates D. A decrease in foreign access to domestic markets 38. April is a college student who wants to open a bank account for the first time. She has $500 cash to deposit in the account initially. The bank she chooses is not near her dorm, and it's difficult for her to get there. She has a part-time job and receives a bi-weekly paycheck that will be directly deposited into her account. Which of the following types of accounts should she ask for at the bank: A. Checking C. Money market B. Savings D. Certificate of deposit 39. Which of the following is not a standard financial statement: A. Income statement C. Shareholder sheet B. Balance sheet D. Cash flow statement 40. What does an income statement show about a company over a period of time? A. Profitability C. Equity B. Reliability D. Liabilities 41. The numbers listed in a stock table's 52-week high and low column tell you A. the best prices for the stock. B. if the stock price is overvalued. C. the range of prices for the year. D. the range of where the stock price should be. 42. Which of the following is a true statement about ticker symbols: A. They uniquely identify a company. B. They tell you what kind of stock it is. C. They are made up of the first three letters of a company's name. D. They are only given to companies on the New York Stock Exchange. 43. Which of the following is an example of a lending investment: A. Stocks C. Antiques B. Homes D. Bonds 44. Bennett has just finished college and has moved into her own apartment that is located on a bus line. She'll be able to take the bus to her new job that she's scheduled to start in a month. In fact, she'll need to rely on bus transportation until she saves money to buy a car. What insurance coverage should she have? A. Renter's insurance and temporary short-term health insurance B. Health and life insurance C. Renter's insurance and COBRA D. Auto insurance and temporary short-term health insurance 45. A labor strike against a major employer is an example of a(n) risk. A. human C. economic B. natural D. internal24. Which of the following personal traits would be affected by your physical health: A. Self-confidence C. Gender B. Cultural background D. Ethnic heritage 25. One reason why ethics is often a consideration when providing information is because of the issue of A. respect. C. safety. B. privacy. D. diversity. 26. 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 27. A credit plan that requires a signed contract, a down payment, and the balance to be paid over a specifi period of time is called credit. A. revolving C. open B. installment D. regular 28. 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. 29. If you are 17 right now, what is the best age to begin investing? A. 27 C. 17 B. 32 D. 25 30. 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 funds and investment banks 31. Mortgages and government bonds are examples of A. debt instruments. C. unrated investments. B. equity products. D. interest-free services. 32. Debt markets buy and sell and equity markets buy and sell A. corporate stock, certificates of deposit C. grain, gold B. government bonds, corporate stock D. gold, government bonds 33. A primary factor that has led to the consolidation of financial firms is the desire A. for fewer products. C. to lower costs. B. for fewer assets. D. to lower risks. 34. 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 35. 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.12. Businesses use technology to build positive customer relations by A. calling customers at home. C. placing pop-up advertisements on web sites. B. creating targeted marketing campaigns. D. sending unsolicited e-mails. 13. A positive result of handling customer complaints properly is that it will A. increase returns. C. foster objections. B. promote goodwill . increase markdowns. 14. What do finance professionals need to do to build long-term relationships with their clients? A. Follow-up with clients every two years C. Be honest, open, and trustworthy B. Invest all clients' money conservatively D. Require clients to sign a short-term contract 15. When providing product information to clients, finance professionals should use A. technical terms. C. financial acronyms B. . simple explanations. D. standard responses. 16. Rather than studying individual customer data, First Bell Bank is interested in analyzing groups of customers. Members of a group should be similar and markedly different from other customer groups. Which of the following Customer Relationship Management (CRM) activities should be used to prepare First Bell Bank's customer data for analysis: A. Regression C. Clustering B. Estimation D. Prediction 17. When financial institutions follow government regulations pertaining to the industry, the institutions are A. being independent. C. in compliance. B. being ethical. D. in mediation. 18. By deciding to buy or not to buy, consumers control what goods and services will be produced and at through their A. capital investment. C. limited wants B. gross income. D. economic votes. 19. What does utility reveal about consumers? A. Preferences C. Background B. Income D. Influences 20. The market price is the actual price that prevails in a market A. at the beginning of each quarter. C. on the first of each month. B. at any particular moment. D. at the beginning of the fiscal year. 21. Businesses that contribute money to local educational, cultural, and training programs are showing social responsibility to their A. customers. C. communities. B. employees. stockholders. 22. Which of the following demonstrates the interrelationship among primary business activities: A. A new product is introduced, so business advertisements must adjust in response. B. A business changes its goals, so its strategies and tactics change, too. C. One business activity changes, so the others must adjust in response. D. A business manager becomes vice president, so his/her department must adjust to the change. 23. A higher standard of living is achieved in a country when productivity A. and population increase at a similar rate. C. increases at a rate faster than population. B. remains the same and population increases. D. decreases and population remains the same.1. What effect do some environmental laws have on businesses? A. Limit equipment purchases C. Control exterior landscapes B. Require more employees D. Increase operating costs 2. Limited liability is a characteristic of what form of business ownership? A. Sole proprietorship C. Corporation B. Partnership D. Joint proprietorship 3. An important purpose of full-disclosure laws and regulations is to A. provide information to investors so they can make informed decisions. B. allow company employees to use inside information for personal gain. C. require companies to disclose all information about their operations. prevent a stock's par value from dropping below its market value. 4. Which of the following has the fiduciary responsibility to make decisions on behalf of a company's shareholders: A. The municipal court system C. The company's line staff B. The industry's professional organization D. The corporation's board of directors 5. Which of the following is an estate-tax deduction: A. Property passing directly to the surviving spouse B. Valuable art and collectibles left to children Charitable contributions that are unqualified D. Money left to friends or distant relatives 6. Last year, Mr. Mckinney gave a portion of his wages to a local charity and was not required to pay taxes on the amount of his donation. This is an example of a(n) A. investment disbursement. C. tax-deferred investment. B. estate allocation. D. tax deduction. 7. Michelle is a small business owner who has outdated customer information in her computer files. She has wasted a lot of time and money sending mail to customers who have moved or have received multiple copies of her mailings. What type of computer application should Michelle use to update her customer database? A. Tabulation analysis C. Data cleansing B. Electronic data interchange D. Environmental scanning 8. What are potential risks to a business that fails to follow government regulations? A. Bankruptcy, higher sales, and lower stock values B. Penalties, higher stock values, and lower credibility C. Lower stock values, fines, and higher sales D. Fines, penalties, and bankruptcy 9. Which of the following reasoning processes does a virtual auditor use to identify financial system transactions that are very similar to each other but are not exactly alike: A. Cross-source reasoning C. Temporal reasoning B. Contextual reasoning Comparative reasoning 10. What type of technology do businesses use to inspect financial transactions and to ensure that they are in compliance with government regulations? A. Virtual auditors C. Domain computing B. Cyber mapping D. Simulation browsers 11. What type of information is often transmitted through upward communication? A. Suggestions C. Evaluations B. Instructions D. Corrections