Your friend, who is a year older than you, and a group of his friends are asking you to go to the lake to dive and swim. you know they have been drinking. although they plan to walk there, you know the lake can be a tricky place to swim. you feel nervous about this event. describe how you will say no to them, what your friend might say in response to convince you to come, and what your response to him will be.

10. think of a time when you felt that all was going well in your life financially, but then some unusual circumstance happened (i.e. car expense, hospital expense, school expense) that you did not expect which caused you to pay out money when no future income was expected to cover the circumstance. how do you plan for these unexpected expenses in the future? as a manager, how would you prepare for unexpected expenses in a healthcare organization?