The actuarial present value of the death benefits for this insurance policy is $4,760.
To calculate the actuarial present value of the death benefits for the insurance policy, we can use the formula for the present value of a life insurance policy:
PV = D × A
Where PV is the present value of the death benefits, D is the death benefit amount, and A is the present value accumulation factor.
D = $100,000 (death benefit)
i = 0.05 (interest rate)
Mortality rates:
Select mortality rate = 80% of the Standard Ultimate Life Table mortality rate
Ultimate mortality follows the Standard Ultimate Life Table
First, we need to determine the present value accumulation factor (A) using the interest rate and mortality rates. The present value accumulation factor is calculated as:
A = 1 - (1 + i)^(-n)
Where n is the select period, which in this case is one year.
A = 1 - (1 + 0.05)^(-1)
A = 1 - (1.05)^(-1)
A = 1 - 0.9524
A = 0.0476
Now, we can calculate the actuarial present value (PV) using the formula:
PV = D × A
PV = $100,000 × 0.0476
PV = $4,760
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Which of the following is a risk banks should prepare for?
A.
Falling interest rates
B.
Borrowers who don't pay back loans
C.
Too many people requesting loans
D.
People switching to online transactions
Borrowers who don't pay back loans.
Angie needs a new dishwasher. She saw a great sale on the model she wanted and went down to her local appliance store. When she got there, the store owner said that they no longer had that dishwasher, but they would be happy to sell her a different model at a higher price. Why might the Federal Trade Commission be willing to look into this?
A.
It is false advertising.
B.
It is creating an invalid debt.
C.
It is preventing fair competition.
D.
It is an improper debt collection.
Answer:
A. It is false advertising.
Explanation:
Advertisement refers to the promotional multimedia messages designed and developed to make the products or services of a company known to its customers and potential customers.
The Federal Trade Commission (FTC) is an agency of the government of the United States of America saddled with the responsibility of promoting consumer protection and the enforcement of all civil antitrust laws.
Basically, the laws formulated or established by the FTC are to provide protection for consumers of various goods and services while requiring that businesses do not make false claims about them.
Furthermore, the consumer protection laws enforceable by the Federal Trade Commission (FTC) guarantees truthful information in the marketplace at all times. This is achieved by requiring that business firms only make claims about their products and services that can be proven.
In this scenario, the Federal Trade Commission might be willing to look into this issue (advert of the dishwasher model) because it is false advertising.
i have a brainlest for anybody if the can tell me who won the wwe champoinship in 1996
Business optimism about future sales tends to __________ investment expenditures, shifting the _________curve to the __________. * Increase; AD; left Increases; AD: right Decrease; SAS; left Decrease; SAS: right
Answer:
increase, AD, left
Explanation:
AD curve is the aggregate demand curve that is represents the demand of all the total quantities of the goods and the services which is demanded by the economy at the different price levels. It is the demand of the total spending of the domestic services and goods of the country.
The business optimism about the future sales tends to increase the investment expenditure and shifts the aggregate demand curve to the left side.
Let's pretend you have $1,200 a month to spend on rent. Be sure that there is at least
one apartment complex and one home on your list. Compare the three properties,
listing the pros and cons. Consider advantages or disadvantages related to the number
of bedrooms, location, amenities, and total floor space.
Which rental property would you choose based on your findings and why?
Answer:
Apartment 1:
pros:
- no previous tenants
- gym
fireplace
- garage
cons:
- 1 bedroom
- 1 bathroom
- no pool
- small kitchen
- no closet space
Apartment 2:
pros:
- pool
- 3 bedrooms
- 2 bath
- gym
cons:
- small bedrooms
- limited storage space
- holes in the wall
- mold
Apartment 3:
pros:
- 2 bedroom
- 2 bathroom
- pool
- hot tub
- garage
- large kitchen space
- storage closets
cons:
- none
I'd choose apartment 3 based off of the things I found inside home. Everything is great and brand new, under $1,200 and exactly what to look for. It's the best choice out of all three options.
Explanation:
I looked around for the answer to this question but couldn't find it. I created my own answer and got a 100. Hope this helps.
Which investment is better stocks, bonds, or mutual funds and why?
\(\text{Hello There!}\)
\(\bold{Stocks}\) \(\text{is the act of putting money in a business and expecting to make a profit.}\)
\(\bold{Bonds}\) \(\text{are more of a safe to invest in, however, you cannot sell them for 12 months.}\)
\(\bold{Mutual\;Funds}\) \(\text{ is the act of investing in securities with other investors}\)
Mutual Funds can be a good option if you're okay with the lack of investment decisions; however, people often lose money due to the risk of securities going down in value.
\({\underline{\underline{{Stocks}}}\) are going to be your best option for short-term investments.
\({\underline{\underline{{Bonds}}}\) are going to be your best option for long-term investments.
\({\underline{\underline{{Mutual\;Funds}}}\) are going to be your best option for investing in bigger stocks.
\(\boxed{There\;isn't\;a\;"best"\;option;\;it\;depends\;on\;what\;you\;prefer.}\)
\(\rule{300}{1.0}\)
What is the minimum EUAC value of the
defender?
When should it be replaced?
Please answer all questions without excel
A high-speed electronic assembly machine was purchased two years ago for $50,000. At the present time, it can be sold for $24,000 and replaced by a newer model having a purchase price of $45,000; or i
The EUAC (Equivalent Uniform Annual Cost) is used to determine which of the two options (replacement or repair) is more cost-effective.
The EUAC is used to assess replacement and repair decisions. It is calculated by considering the current value of the cost of all potential costs involved in owning, running, and maintaining the equipment and comparing it to the purchase price of the alternative.
The EUAC calculation is performed in the following way:
EUAC = Equivalent Uniform Annual Cost = Initial cost of equipment + Annual operating cost + Annual maintenance cost + Annual overhaul cost + Annual repair cost + Residual value of equipment - Salvage value of equipment
EUAC of Existing Machine = $50,000 + $15,000 + $2,000 + $1,500 + $0 - $24,000EUAC of Existing Machine = $44,500
EUAC of Replacement Machine = $45,000 + $10,000 + $0 + $1,000 + $0 - $0EUAC of Replacement Machine = $56,000
When should it be replaced?
If the EUAC for the existing system is greater than the EUAC for the replacement machine, the existing system should be replaced. Therefore, based on the minimum EUAC, the replacement machine should be preferred. This means that the machine should be replaced.
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Which of the following situations is feasible to use Solver? A. Design the best delivery route by minimizing the toll fees while minimizing the driving distance. B. Create a production a plan to minimize labor cost and maximizing profits. C. Formulate a stock portfolio strategy to optimize the return on investment and control the investment cost under $500k. D. Develop demand forecasting to optimize the profits and ensure the inventory is minimized.
Solver is an Excel tool for optimization analysis. It helps businesses in solving complex problems in their portfolio, production planning, and demand forecasting.
The feasible situation to use Solver is to Formulate a stock portfolio strategy to optimize the return on investment and control the investment cost under $500k.Solver is an Excel add-in that can be utilized to solve optimization problems. It can solve problems such as linear programming, integer programming, and nonlinear optimization.
In this question, there are four options, which require optimization. The options are:A. Design the best delivery route by minimizing the toll fees while minimizing the driving distance.B. Create a production a plan to minimize labor cost and maximizing profits.C. Formulate a stock portfolio strategy to optimize the return on investment and control the investment cost under $500k.D.
Develop demand forecasting to optimize the profits and ensure the inventory is minimized.Option C is the only option that deals with optimizing the return on investment and controlling the investment cost. Solver can be used in solving optimization problems, and option C has a clear optimization objective.
Therefore, the feasible situation to use Solver is to Formulate a stock portfolio strategy to optimize the return on investment and control the investment cost under $500k.In conclusion, the best option to use Solver is in option C, which involves formulating a stock portfolio strategy to optimize the return on investment and control the investment cost. Solver is an Excel tool for optimization analysis, which helps businesses solve complex problems in their portfolio, production planning, and demand forecasting.
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At the beginning of the period, the Cutting Department budgeted direct labor of $52,350 and supervisor salaries of $42,150 for 3,490 hours of production. The department actually completed 3,800 hours of production. Determine the budget for the department assuming that it uses flexible budgeting.
Answer:
$77,000
Explanation:
Direct Labor = $52,350 (Its varies with the number of Production hours). Hence, $52,350 for 3,490 hours
For 3,800 hours, (52,350/3,490) * 3,800 = $57,000
Supervisor Salaries = $20,000 (Since the Supervisor Salary is not an incremental cost, it is a fixed one). So, the Supervisor Salaries remain $20,000
Net budget (flexible) = $57,000 + $20,000
Net budget (flexible) = $77,000
Did Sue draw this circle change into passive voice
Answer:
Was this circle drawn by Sue?
Explanation:
Can lawyer who sells practice return to practice?
Yes, a lawyer who sells their practice can return to practice. When a lawyer decides to sell their practice, they transfer ownership of the business and client files to another attorney or firm. However, this transaction does not permanently restrict the selling lawyer from practicing law again in the future.
To return to practice, the lawyer must follow several steps. First, they must ensure that they are in good standing with the appropriate licensing authority, typically a state bar association. This involves maintaining their continuing legal education requirements and any applicable license renewal fees.
Next, the lawyer must establish a new practice or join an existing one. They should carefully consider any non-compete agreements or clauses in the sale contract of their previous practice to avoid violating any terms. It's crucial to communicate with former clients about the lawyer's intention to return to practice, as some may choose to continue working with them in their new capacity.
Finally, the returning lawyer must adhere to professional conduct rules and guidelines, such as conflicts of interest and confidentiality. By following these steps, a lawyer who has sold their practice can successfully return to practice, provided they abide by all applicable rules and regulations.
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You are considering delegating a new task to one of your best employees, Pete. However, Pete is hesitant to take on the new assignment. You are confident he can do it on his own. As a situational manager, which would be the ideal supervisory style to use in this scenario?
As a situational manager, the ideal supervisory style to use in this scenario would be the coaching style. This style focuses on providing guidance and support to employees in order to help them develop their skills and confidence.
With Pete being hesitant to take on the new assignment, coaching will help him gain the necessary skills and knowledge required to successfully complete the task.
To implement this style, you should first have an open and honest conversation with Pete to understand his concerns and fears. You should then work with him to create a plan that outlines the necessary steps to complete the task successfully. Throughout the process, you should provide him with feedback and support to help him build his confidence and skills.
By using the coaching style, you will not only help Pete develop his skills and confidence, but you will also build a stronger relationship with him. This style will also help him to feel more empowered and motivated to take on future tasks, which will benefit both him and the organization.
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Lisa loves to draw and has a good eye for what is visually appealing. She wants a job where she can work independently, and possibly be self- employed. Which marketing position best matches her interests and career goals? A. Logistician B. Marketing research analyst O C. Sales representative D. Graphic designer
Answer:
D. Graphic designer
Explanation:
Graphic designers use visual arts such as images, words, and graphics to communicate with their audience. They may use hand or computer software to create captivating messages that inform, inspire, and attract customers' attention.
The objective of marketing is to make customers interested in the company's products. Graphic designers can use their talents to create charming visual arts to make customers want to buy a company's products. Graphic designers can be employed, but the majority work as independent contractors. Lisa has the skills to be a graphic designer. She can practice her talent as a self-employed individual.
Answer:
Graphic designer
Explanation:
I just did it
what is one primary difference between determining cost of goods sold with a periodic system rather than a perpetual system? with a periodic system, cost of goods sold is calculated only once per day. in contrast, with a perpetual system, cost of goods sold is recorded each time a sale is made. with a periodic system, cost of goods sold is calculated only once at the end of the period. in contrast, with a perpetual system, cost of goods sold is recorded each time a sale is made. with a periodic system, cost of goods sold is recorded each time a sale is made. in contrast, with a perpetual system, cost of goods sold is only calculated once at the end of the period. with a periodic system, cost of goods sold is recorded each time a sale is made. in contrast, with a perpetual system, cost of goods sold is only calculated once per day.
With a periodic system, the cost of goods sold is calculated only once at the end of the period. In contrast, with a perpetual system, each time a sale is made, the cost of goods sold is recorded.
The periodic system tends to use an occasional physical count in order to measure the level of inventory and the cost of goods sold. Whereas, the perpetual system tends to keep track of the inventory balances continuously. Here, the updates are made automatically whenever a product is sold or received.
So, an advantage of the periodic system can be that there is no need to have separate accounting for work in progress, raw materials, and finished goods inventory.
Hence, with a periodic system, the cost of goods sold is recorded each time when a sale is made.
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analyse the impact of an enterprise using break even analysis to make business decisions
Answer:
Using break-even analysis in your feed and grain business can help you understand and examine the profit drivers of your business. It is a very useful tool that can help you understand how much you need to sell to cover your costs and how pricing, cost, and volume changes impact these needed sales.
does anyone have a way or trick on using like blocked websites on a school chromebook?
Which popular attractions are close to Embassy Suites by Hilton Myrtle Beach Oceanfront Resort?
The Embassy Suites by Hilton Myrtle Beach Oceanfront Resort is a popular destination close to Myrtle Beach, South Carolina. These are a few of the surrounding attractions:
1 yastmastmastmastmastmastmas, and
2 Amusement park Family Kingdom
3 SkyWheel in Myrtle Beach, Broadway at the Beach, and Ripley's 4 Aquarium
5 State Park in Myrtle Beach
6 Great Mall of the Coast
7 Tanger Stores
8 Park at the Waves in Myrtle
9 Museum of Hollywood Wax
.The Embassy Suites by Hilton Myrtle Beach Oceanfront Resort is close to a wide range of attractions, of which these are just a few. Throughout their stay, guests at the hotel will have many of possibilities for entertainment and activities.
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the 4 p's model is oriented to: group of answer choices demographics. technology. information. decision making.
The 4 p's model is oriented to option D: decision making.
The four pillars of decision-making are what?Since E. Jerome McCarthy created the 4 Ps in 1960, they have been linked to the marketing mix (You can see why there may have been some need to update the theory).
The four Ps of marketing—product, pricing, promotion, and place—are the most frequently mentioned components of a marketing mix, although any combination of factors can be included. Each of these four Ps has the power to affect a consumer's choice.
Therefore, When selling a good or service, the four Ps are a "marketing mix" made up of four essential components: product, pricing, place, and promotion. Typically, companies take into account the four Ps when developing marketing plans and strategies to reach their target audience.
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The federal government expects that government spending (G) will be about $4,000 billion (or $4 trillion) next year, and it expects that the federal budget deficit will be about - $600 billion. Therefore, how much does it expect to receive in tax revenue (T)? a. $600 billionb. $4,000 billionc. $3,400 billion
Answer: (C) $3,400
Explanation: To find the expected tax revenue (T), we can use the formula:
Budget Deficit = Tax Revenue (T) - Government Spending (G)
Rearranging the formula to solve for tax revenue, we get:
Tax Revenue (T) = Budget Deficit + Government Spending (G)
Given Values:
Budget Deficit= -$600 billion
Government Spending= $4,000 billion
Now, we can plug in the given values:
T = (-$600 billion) + ($4,000 billion)
T = $3,400 billion
Therefore, the federal government expects to receive $3,400 billion in tax revenue next year.
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A recent study found that the death rate for people who sleep 6 to 7 hours per night is lower than the death rate for people who sleep 8 or more hours. The 1.1 million observations used for this study came from a random survey of Americans aged 30 to 102. Each survey respondent was tracked for 4 years. The death rate for people sleeping 7 hours was calculated as the ratio of the number of deaths over the span of the study among people sleeping 7 hours to the total number of survey respondents who slept 7 hours. This calculation was then repeated for people sleeping 6 hours, and so on. Based on this summary, would you recommend that Americans who sleep 9 hours per night consider reducing their sleep to 6 or 7 hours if they want to prolong their lives? Why or why not? Explain. Which of the following variables are likely useful to add to the regression to control for important omitted variables?
A. Type of employment.
B. Indicator for chronic illness.
C. Drug or alcohol use.
D. Individual eye color.
Type of employment, indicator for chronic illness, drug, or alcohol use these variables are likely useful to add to the regression to control for important omitted variables.
What is sleep pattern?
The word sleep pattern, commonly referred to as a sleep-wake pattern, refers to a person's schedule for going to bed and getting up as well as their napping habits. The frequency and length of sleep disruptions may also be part of the sleep pattern.
Type of employment, Chronic illness and drug/alcohol use they ought to be included in regression since they disturb sleep patterns.
As a result, option (a) Type of employment. (b) Indicator for chronic illness. (c) Drug or alcohol use is correct.
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Make SWOT analysis of TenTree Apparel Company presenting your researched information in matrix (point- form) followed by full analysis in paragraph form.
The TenTree Apparel has several strengths, including its commitment to sustainability and strong brand reputation. However, it also faces challenges such as limited market presence and high pricing. The company can capitalize on opportunities like the growing demand for sustainable clothing and collaborations with other brands.
The TenTree Apparel Company is a clothing company that focuses on sustainability and environmental conservation. To conduct a SWOT analysis of TenTree Apparel, we will examine the company's strengths, weaknesses, opportunities, and threats.
Strengths:
1. Strong commitment to sustainability and environmental ethics.
2. Unique and innovative product designs.
3. Strong brand reputation and customer loyalty.
4. Efficient supply chain management.
Weaknesses:
1. Limited market presence compared to larger competitors.
2. Relatively high product pricing due to sustainable production practices.
3. Limited product range and variety.
4. Reliance on e-commerce sales channels.
Opportunities:
1. Growing demand for sustainable clothing options.
2. Expanding into new markets and demographics.
3. Collaborations with other eco-friendly brands or influencers.
4. Increasing consumer awareness of environmental issues.
Threats:
1. Intense competition from larger and well-established clothing brands.
2. Fluctuating consumer preferences and fashion trends.
3. Potential negative impacts of global economic downturns.
4. Stringent government regulations on manufacturing and environmental practices.
In conclusion, TenTree Apparel has several strengths, including its commitment to sustainability and strong brand reputation. However, it also faces challenges such as limited market presence and high pricing. The company can capitalize on opportunities like the growing demand for sustainable clothing and collaborations with other brands. Yet, it must be mindful of threats like competition and changing consumer preferences. By leveraging its strengths and addressing its weaknesses, TenTree Apparel can continue to thrive and make a positive impact in the fashion industry.
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When thieves use your name and good credit rating to get cash or buy things, they are engaging in Multiple Choice credit mishandling. identity theft. abuse of power. credit exploitation.
When thieves use your name and good credit rating to get cash or buy things, they are engaging in identity theft.
Identity theft can be define as impersonating another person by making use of that person personal information as their own.
A person using Identity theft can use some else identity to steal from innocent people after stealing the personal details of the person such as the person name so as to obtain cash or to defraud.
Identity theft is bad as it can damage someone image or reputation as the identity thieve can use to commit various crime by pretending to be you.
Inconclusion when thieves use your name and good credit rating to get cash or buy things, they are engaging in identity theft.
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Consider the following information which relates to a closed economy without a government:
Consumption (C + cYd) :375 + 0.6Yd
Investment (I) :140
Full employment level of income (Yf) :2 000
Q: Calculate the value of the multiplier.
The value of the multiplier in this closed economy without a government is 1.
To calculate the value of the multiplier in a closed economy without a government, we need to use the formula:
Multiplier = 1 / (1 - marginal propensity to consume)
In the given information, the consumption function is represented as C + cYd, where C is autonomous consumption, c is the marginal propensity to consume, and Yd is disposable income. We are also given the value of autonomous consumption (375) and the full employment level of income (Yf = 2,000).
To calculate the marginal propensity to consume (c), we need to find the change in consumption (ΔC) divided by the change in disposable income (ΔYd).
ΔC = 375 - C = 375 - 375 = 0 (since autonomous consumption does not change)
ΔYd = Yf - 0 = 2,000 - 0 = 2,000
c = ΔC / ΔYd = 0 / 2,000 = 0
Substituting the value of c into the multiplier formula:
Multiplier = 1 / (1 - c) = 1 / (1 - 0) = 1 / 1 = 1
Therefore, the value of the multiplier in this closed economy without a government is 1.
The multiplier value of 1 indicates that a change in autonomous spending or investment will have a one-to-one impact on the overall output or income in the economy. For example, if investment increases by 100, the total output will increase by 100. Similarly, if autonomous consumption increases by 100, the total output will also increase by 100. The multiplier effect amplifies the initial change in spending throughout the economy.
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What is not a criterion when evaluating financial service providers?
A. financial service provider's history
B. benefits or lack thereof
C. past and current employees
D. emerging technologies
That which is not a criterion when evaluating financial service providers is this: C. past and current employees.
What are the criteria for evaluating financial service providers?To successfully evaluate the qualification of a financial service provider, the customer must be able to look at their present and past history. They should consider their ability to incorporate emerging technologies into their businesses.
It is not really the business of the consumer to dig out the past and current employees of the business. He should be interested in other relevant factors like the above.
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Define job enrichment and job enlargement by providing examples. Job enlargement sounds like a good thing. Explore what to possible disadvantages of job enlargement might be for both employers and staff.
Job enrichment involves adding more meaningful and challenging tasks to a job to increase employee satisfaction and motivation. For example, a receptionist being given the additional responsibility of managing social media accounts for the company.
Job enlargement refers to expanding the scope of a job by adding more tasks of a similar level of complexity. For example, a cashier also being assigned inventory management duties.
Disadvantages of job enlargement for employers include potential employee resistance, increased training costs, and decreased specialization. For staff, disadvantages may include increased workload and stress, reduced job satisfaction, and limited opportunities for career growth.
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write a short note on personnel function of office
Answer:
ANS
The office personnel refers to all the employees of the office comprising the chief, sectional chiefs and assistants who jointly work for the attainment of the organizational goals." In an organization an office requires different types of office personnel having different skills, qualifications, knowledge to perform
What are the functions of office personnel?
ANS
Office personnel refers to the office chief, sectional chiefs and assistants that carry out all the administrative as well as clerical functions jointly to archive the objectives of an organization.
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Which of the following choices incur speculative risk?
Ο stocks
Ο fire insurance on a house
Ο options
Ο life insurance
Ο high-interest savings account
Answer: stock are speculative
Explanation:
The option given that can incur speculative risk is option a. stocks.
What is speculative risk?The likelihood that an investment won't increase in value is known as speculative risk. Speculative risks are deliberate decisions, not merely the outcome of uncontrollable events.
Stocks are therefore one of the best known investments that have speculative risk because one cannot be sure of their increment in value, or their decrease in same.
Things like options and life insurance do not have speculative risk as they are based on choices and regular payments.
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Can Some people give me brainliest I'll give ya'll all my points when I see it
Answer:
Explanation: why u delete all your questions that u answered for me?
Please Take a look
Are there any positive Jules Leblanc accounts on Instagram that I can follow ?
If you have one or any account for that matter please put the name !
My Instagram : Jules.yogurt !
Answer:
this question ?
Explanation:
um just search up Jules Leblanc and it accs will show up
Answer:
sure y not
Explanation:
Art teacher Monica earns time and a half for the number of hours she works over 40 hours. One week she worked 48 hours. How many hours of overtime did she work?
Answer:
8 hours
Explanation:
Here, we want to know the number of overtime hours worked.
From the question, we are told that the pay is slightly different and higher if she worked for some hours over 40 hours
What this means is that the regular number of hours is 40; then the number of hours in this case 8 over 40 is her over time