3. Complete the table below to identify the cost of retirement over an extended period of time. To identify the estimated cost for Year 1, multiply the estimated monthly total (above) by 12.

Describe one of your personality traits that you believe to be highly heritable and another trait that seems to be much less so. provide reasons for your answer, and explain why you would expect genetics to exert a greater impact on some personality traits than on others. 10. discuss at least 3 cultural/environmental factors that may influence behavior.