thanks just need the answers no explanations

All of the following are examples of hidden goals EXCEPT: Insuring against a rare but devastating health condition (such as cancer) Safeguarding against destruction of primary residence Funding your retirement account Protection against a liability in an auto-accident Question 20 2.5pts A small business owner who owns his medium-sized private construction company will most likely exhibit: I) High Risk Tolerance II) Low Risk Tolerance III) High Risk Capacity IV) Low Risk Capacity I and III II and IV I and IV I and II Question 21 2.5pts What is the meaning of the phrase: "Risk tolerance is a function of memory". Choose the best answer: When risk materializes, investors become more risk tolerant remember that the last time they panicked, they lost When risk becomes a reality, investors will try to remember the last time it happened and will behave accordingly When risk increases, investors' appetite for risk declines When risk decreases, investors become more risk averse If your judgement has been questioned by your client (regarding a declining investment that you oversee on client's behalf) during a market-wide panic, the most likely best course of action is: Let this client go and concentrate on the more risk tolerant ones. Defend your position by calmly presenting all the facts. Solicit more information from the client to determine more fundamental motivators. Accept your fault and offer to remedy the situation. Question 23 2.5pts When the client asks your opinion (as his advisor) about investing in a 'hot' stock that you think is grossly overvalued (and therefore, is probably a very bad investment) your most likely best course of action is: Appeal to your own expertise in this area and ask the client to trust you. Ask the client about the details of the opportunity, then find a flaw and point it to the client. Turn the table and ask the client to describe the opportunity, its risks, and rewards. Try to calmly present all the facts about the stock to the client