Ruth theobald has been using credit cards for many years. she recently faced difficulties in getting additional credit for a transaction. her credit card application was also rejected by a few major banks. based on this information, it can be inferred that:
a) ruth has payed low interest rates on her card balances.
b) ruth has a history of making late payments on her credit cards.
c) ruth has not tried hard enough to obtain the additional credit.
d) ruth has maintained a high credit score.

The usa today reports that the average expenditure on valentine's day is $100.89. do male and female consumers differ in the amounts they spend? the average expenditure in a sample survey of 47 male consumers was $135.67, and the average expenditure in a sample survey of 38 female consumers was $68.64. based on past surveys, the standard deviation for male consumers is assumed to be $34, and the standard deviation for female consumers is assumed to be $17.

Engberg company installs lawn sod in home yards. the company’s most recent monthly contribution format income statement follows: amount percent of sales sales $ 80,000 100% variable expenses 32,000 40% contribution margin 48,000 60% fixed expenses 38,000 net operating income $ 10,000 required: 1. compute the company’s degree of operating leverage. (round your answer to 1 decimal place.) 2. using the degree of operating leverage, estimate the impact on net operating income of a 5% increase in sales. (do not round intermediate calculations.) 3. construct a new contribution format income statement for the company assuming a 5% increase in sales.

What is the difference between the contractual interest rate and the market interest rate?