TJ is a cost analyst with STU Insurance Co. STU is applying standards to its claims payment operations. Claims payment is a repetitive operation that could be evaluated with standards. TJ used time and motion studies to identify an ideal standard of 36 claims processed per hour. The Claims Processing Department manager, Pat, has projected this standard and has argued that the standard should be 30 claims processed per hour. Pat and TJ were unable to agree, so they decided to discuss this matter openly at a joint meeting with the VP of Operations, who would arbitrate a final decision. Prior to the meeting, TJ wrote the following memo to the VP: To: AJ Doe, Vice President of Operations
From: TJ, Standard Cost Analyst
Re: Standards in the Claims Processing Department
As you know, Pat and I are scheduled to meet with you to discuss our disagreement about the appropriate standards for the Claims Processing Department. I have conducted time and motion studies and have determined that the ideal standard is 36 claims processed per hour. Pat argues that 30 claims processed per hour would be more appropriate. I believe Pat is trying to "pad" the budget with some slack. I'm not sure what Pat is trying to achieve with this, but I believe a tight standard will drive efficiency up in the Claims Processing Department. I hope you will agree when we meet with you next week.
Discuss the ethical and professional issues in this situation.
Please write your response first (2 to 3 paragraph).

the answer choices are:

provides online banking

provides automatic payment services

provides home loans by using saving accounts

accept tax return refunds

hopefully someone can answer the question now lol

i guess you could put raise the economic balance

answer///parietal;

of the three mortgage options that demarco and tanya have to choose from, the balloon payment mortgage would be their best option, over adjustable payment and fixed payment plans.ultimately, the balloon payment plan would save demarco and tanya overall, in interest, would cost less monthly, and they would only have to make these payments for 8 years, opposing to 30 years for adjustable or fixed payment plans. 

overall, demarco and tanya would save $80,811 if they chose balloon payments over fixed payments, and would save $116,711 if they choose balloon payments over adjustable payments. benefits with choosing fixed payments over adjustable payments is that, in the end, the payments will still be $836.30 a month, while with adjustable payments, the initial monthly payments will be $763.38 to $1082.70 a month, ultimately leading to a more costly purchase. benefits with choosing fixed payments over balloon payments are not present. benefits in choosing adjustable payments over is that it has a lower interest rate, and starts with lower monthly payments initially. benefits in choosing adjustable payments over balloon payments include a lower interest rate, and lower initial monthly payments. benefits in choosing balloon payments over fixed payments include lower interest rates, lower overall price, lower monthly payments, takes less time to pay off, and does not require a downpayment. benefits in choosing balloon payments over adjustable payments include, lower monthly payments (when averaged), takes less time to pay off, and lower overall price.

hence, option c, balloon payments, is the best option for demarco and tanya to make this purchase, for it will save them a minimum of $80811, and a maximum of $116,711.