a Note that the 44 year cash flow is unknown. Assuming the present value of this cash flow stream is $6500 (that is, CF0=-6500), what is the missing cash flow value (that is, what is the cash flow at the end of the 4th year)? 50. Last week, Bayonetta opened a new wealth management account at the Capital Bank of Noatun to begin saving for retirement. Today, Bayonetta deposited $135,000 into her account. She then plans to make equal deposits into the account every month for the next 18 years (thus, Bayonetta will make a total of 216 equal deposits into her account with the first deposit to be made exactly one month from today). Exactly one month after her last deposit is made into the account, Bayonetta wants to withdraw $35,000 per month from the account for a total of 15 years (i.e., a total of 180 withdrawals). If Bayonetta believes she will earn 9.75% p.a. with monthly compounding on her account over the entire deposit and withdrawal period, what is the minimum amount that she must deposit every month during the deposit phase (i.e., for months 1 to 216) to achieve her withdrawal goal? a

Answers

Answer 1

In order for Bayonetta to achieve her goal of withdrawing $35,000 per month for 15 years, she needs to determine the minimum amount she must deposit every month during the deposit phase.

The missing cash flow value at the end of the 4th year is unknown, but we can determine it by using the present value of the cash flow stream. Since the present value of the  stream is given as $6,500 (with CF0 = - $6,500), we can assume that this includes the cash flow for the 4th year.

To find the minimum amount that Bayonetta must deposit every month, we need to calculate the present value of the future withdrawals. Using the formula for present value of an ordinary annuity, we can calculate the minimum monthly deposit:

PMT = (PV * r) / (1 - (1 + r)^(-n))

Where PMT is the monthly deposit, PV is the present value of the future withdrawals ($35,000 * 180), r is the monthly interest rate (9.75% / 12), and n is the number of deposits (216).

By plugging in the values into the formula, we can find the minimum monthly deposit that Bayonetta needs to make to achieve her withdrawal goal.

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Related Questions

A reasonable business owner should purchase insurance to cover a possible
negative event when:
A. the calculated risk value of the event is especially low.
B. the risk of the event is high and the impact of the event is low.
C. the risk of the event is high and the impact of the event is high.
D. the risk of the event is low and the impact of the event is low.

A reasonable business owner should purchase insurance to cover a possiblenegative event when:A. the calculated

Answers

Answer:

C

Explanation:

C. the risk of the event is high and the impact of the event is high.

A reasonable business owner should purchase insurance when "the risk of the event is high and the impact of the event is high". The correct option is C.

It aligns with the principle of risk management, ensuring that significant risks with substantial consequences are adequately mitigated. Insurance serves as a safety net is shielding the business from financial devastation in case of such high-risk, high-impact events.

This proactive approach aids in maintaining business continuity, safeguarding assets, and minimizing disruptions. To opting for insurance when facing significant risks underscores prudent risk assessment and strategic planning which are essential components of responsible business management.

Therefore, the correct option is C.

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Fill in the gaps using second conditional. /2
If she (know) __________ the answer, she would win the prize.
If I (be) ___________ a rich man, I would buy a Mercedes Benz.
They would stay longer, if they (has) _________ more time.
If I (understand) __________ what the teacher said, I could tell you.​
plz tell hurry

Answers

Answer:

knew

were

had

understood

Click this link to view O*NET’s Tasks section for Urban and Regional Planners. Click this link to view O*NET’s Tasks section for Urban and Regional Planners. Select four options.

holding public meetings
operating landscaping equipment
discussing land-use projects
voting on proposed legislation
designing government land-use policies
recommending approval or denial of proposals

answer 1356 !!!!!

Answers

According to O*NET's Tasks section for Urban and Regional Planners, some of the tasks performed by Urban and Regional Planners include, Holding public meetings, Discussing land-use projects, Designing government land-use policies, Recommending approval or denial of proposals. Option 1, 3, 5 and 6 are correct.

Holding public meetings is an important task for Urban and Regional Planners because it allows them to engage with stakeholders and gather feedback on proposed plans or projects. These meetings may involve presenting plans or proposals, answering questions, and addressing concerns or objections from the public.

Discussing land-use projects is another key task for Urban and Regional Planners, as it involves collaborating with other professionals, such as architects, engineers, and developers, to ensure that proposed projects are aligned with community needs and goals.

Designing government land-use policies is also an important task for Urban and Regional Planners, as it involves developing regulations and guidelines that govern how land can be used and developed within a community.

Finally, recommending approval or denial of proposals is a critical task for Urban and Regional Planners, as it involves evaluating proposals against established policies, regulations, and community goals. This may involve conducting site visits, reviewing plans and documents, and consulting with other professionals to make informed decisions about proposed projects. Option 1, 3, 5 and 6 are correct.

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Patrick, Inc. purchased a new van for floral deliveries on January 1, 2012. The van cost $40,000 with an estimated life of 4 years and $10,000 salvage value at the end of its useful life. The double-declining-balance method of depreciation will be used. What is the depreciation expense for 2012? 1) $10,000 2) $16,000 3) $20,000 4) $26,000

Answers

The depreciation expense for 2012  $20,000. The correct answer is option 3.

To calculate the depreciation expense for 2012 using the double-declining-balance method, we first need to calculate the depreciation rate per year. The double-declining-balance method calculates depreciation at twice the rate of the straight-line method, which means that the depreciation rate is 1/2 of the useful life.

The depreciation rate per year for this van is:

Depreciation rate per year = 2 / useful life

Depreciation rate per year = 2 / 4

Depreciation rate per year = 0.5 or 50%

Next, we can calculate the depreciation expense for 2012:

Depreciation expense for 2012 = (Net book value at the beginning of the year) x (Depreciation rate per year)

Net book value at the beginning of the year = Cost - Accumulated depreciation

Net book value at the beginning of the year = $40,000 - $0

Net book value at the beginning of the year = $40,000

Depreciation expense for 2012 = ($40,000) x (0.5)

Depreciation expense for 2012 = $20,000

Therefore, the answer is 3) $20,000.

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Jannah is reviewing a report that a new marketing manager put together after assessing her small business. If Jannah wants to learn how familiar a customer market is with her company’s products or services, what section of the marketing report should she review?

A.
Financial

B.
Quality control

C.
Brand recognition

D.
Profit margins

Answers

C. Brand recognition

It is not advisable for a worker who is satisfied with their job to improve their skills. Please select the best answer from the choices provided T F

Answers

Answer: False

Explanation: I just took the practice test

Answer:

False

Explanation:

An idea, opportunity or dream is the ________ of planning that managers begin with to plan.

Answers

An idea, opportunity, or dream is the foundation of planning that managers begin with to plan.

The planning process begins with setting goals. Goals are the end result that management wants to achieve through its activities. Goals are specific and can be measured in units.

When developing SMART operational goals, it is important to seek employee feedback throughout the process. Once set, it can be difficult for employees to understand and accept goals. Philip is the new manager of a 15-man manufacturing company.

Redesigned workspace to keep tools within reach of an idea, opportunity, or dream.

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Business
12 questions please help!!

Business 12 questions please help!!

Answers

Answer:

Fill in the blanks

Explanation:

Answer: 1. Unsecured loans 2. Business credit card 3. Unsecured loan 4. Small Business Investment Companies 5. Reserve Fund 6. Routine 7. Operating costs 8. Secured loan 9. Commercial Debt Financing 10. Small Business Administration 11. Sound 12. Venture Capital Firm

Explanation:

in the seasonal and trend forecasting model, the seasons must be the same length. group of answer choices true false

Answers

The seasons must have the same length in the seasonal and trend forecasting model, which is untrue.

A season is a division of the year that is based on variations in weather, ecology, and the number of daylight hours in a particular place. Seasons on Earth are caused by the Earth's orbit around the Sun and its axial tilt relative to the ecliptic plane. Seasons are distinguished in temperate and polar regions by changes in the intensity of sunlight that reaches the Earth's surface, fluctuations of which drive animals to hibernate or migrate, and vegetation to become dormant. Various civilizations define the number and type of seasons depending on regional variances, and as a result, the number of seasons differs among present and historical cultures.

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You get a part time job through an employment service. The service charges you ten percent of your forst weeks pay as payment for getting the job. tax or no tax

Answers

tax...................

Answer:

No tax

Explanation:

Give 2 advantages of a corporation?

Answers

2 advantages of a business corporation include...

personal liability protectionbusiness security and perpetuity

Hope this helps!! Good luck with your work :))

Brainliest? I'm trying to rank up please UvU

Answer:

Limited Liability

In a corporation, the owners of the company are only liable for the amount of money which they have invested through purchasing shares. This means that if the company goes bankrupt and has no money left to pay back the creditors and lenders, the money invested by its shareholders into the company (by purchasing its shares) will be used to pay back the creditors and lenders. Hence, the shareholders will lose the amount invested. Creditors and lenders, however, have no claim on the personal properties and assets of the owners. This is what limited liability means: limited up to the extent of the amount invested.

Easy Availability of Capital

In a corporation form of business organization, it is relatively easy to raise huge sums of capital through the public. Since the total money a company wishes to raise is divided into thousands and lakhs of shares, the price of each share comes out to be very small. A small price allows a number of people to purchase the shares of the company. Hence, it becomes easy to raise a big amount for a corporation by dividing it into smaller units.

Explanation:

Please mark Brainliest, it really helps.

How can you find the lenders and servicers for your federal loans?

a.Call your school’s financial aid department

b.Call your bank

c.Visit the NSLDS website

d.Visit the MLB website

Answers

C you should vist NSLDS website

Say IAM YOUR BOSS THEN I WILL GIVE YOU BRAINLIEST AND 100 POINTS ADD ME AS YOUR FRIEND

Answers

I am your boss? whats the point of that lol

Answer:

im your boss

Explanation:

What types of planning can be done to im prove a nations economy?

A nation can undergo ____ planning or ___ planning in order to improve its economy.

Answers

Answer:

Explanation:

The economy can be defined as the production, consumption, and distribution of goods and services.

the gross domestic product generally called   GDP can be a major factor in the  growth of an economy .

business investment and consumer spending can lead a major role too.

spending money on infrastructure to create more jobopportunitiess and productivity by enablingbusinessess.

decrease in the amount of tax and refund taxes that go toward government revenue.

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According to John Kotter, leadership, in contrast to management, entails:
a. planning and budgeting.
b. organizing and staffing.
c. problem solving.
d. setting an organizational direction.

Answers

According to John Kotter, leadership entails setting an organizational direction, which distinguishes it from management. The correct option is d.

While management involves planning, budgeting, organizing, and staffing to achieve organizational goals, leadership involves inspiring and motivating people to work towards a shared vision of the future.

Setting an organizational direction is a crucial task for leaders. It involves creating a clear and compelling vision of the future, which people can rally around. The leader must be able to communicate this vision effectively and inspire others to embrace it and work towards it.

This requires a deep understanding of the organization's culture, values, and goals, as well as the ability to communicate in a way that resonates with people at all levels of the organization.

Apart from setting a direction, leadership also requires problem-solving skills and the ability to navigate challenges and obstacles. Leaders must be adaptable to changing circumstances and respond to unexpected events.

They must also build relationships with people inside and outside the organization and work collaboratively to achieve shared goals.

In summary, John Kotter believes that leadership involves setting an organizational direction, inspiring people to work towards a shared vision, problem-solving skills, adaptability, and relationship building. Therefore, the correct option is d.

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how long did it take workers at willow run to assemble a long-range bomber?

Answers

Workers at Willow Run, a factory in Michigan during World War II, were involved in the mass production of the B-24 Liberator long-range bombers.

The assembly time for a single B-24 Liberator at Willow Run varied over the course of the war due to improvements in production processes and worker efficiency. Initially, the assembly time for a single B-24 Liberator at Willow Run was around 1,440 man-hours, but this was eventually reduced to approximately 354, and later to 300 man-hours per aircraft. The production time was significantly shortened as the factory and workers became more experienced and efficient.

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20 POINTS please answer quick!

Why do you think that most careers in the Education and Training cluster require a college degree of some sort? Explain in detail.

Answers

Answer:

There are different kind of careers that one can pursue in life; in order to choose a particular career, one has to consider some important factors.

Explanation:

8. Chang Company provides the following information for the month of September 2022. Chang uses the weighted-average method of process costing. Units Beginning work-in-process (74% complete) 4862 Units started in September 7784 Units completed and transferred in September 7919 Ending work-in-process (57% complete) ? Compute the equivalent units for conversion costs for the month of September 2022, assuming there is no spoiled units during the month.

Answers

Chang Company provided the information for the month of September 2022. 7784 units have been started in September, while 7919 units have been completed and transferred in September.

In process costing, it is a common practice to determine equivalent units of production. In the given scenario, the equivalent units for conversion costs are required to be calculated. Chang Company uses the weighted-average method of process costing. According to the information provided in the question, 4862 units were already in process at the beginning of September 2022, while 7784 units were started in September 2022.

Units transferred and completed in September 2022 are 7919. The number of units in ending work-in-progress is required to be calculated. The percentage of completion in ending work-in-process is 57%. Therefore, the number of equivalent units for conversion costs is calculated as follows:

Equivalent units for conversion costs = (4862 × 74%) + (7784 × 100%) + (Ending work in process × 57%)

Equivalent units for conversion costs = 3597.88 + 7784 + 0.57 (Ending work-in-process)

Equivalent units for conversion costs = 11381.88 + 0.57 (Ending work-in-process)

Thus, the equivalent units for conversion costs for the month of September 2022, assuming there are no spoiled units during the month, are 11381.88 + 0.57 (Ending work-in-process).

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savings accounts can be considered safe because they are _____.

Answers

Saving account safe because it was guaranteed by the FDIC and NCUA.

Because of FDIC-Insurance a savings account is safe to secure our money. FDIC or The Federal Deposit Insurance Corporation is an independent organization or agency that was created to maintain stability and public confidence in the nation's savings. FDIC is an insurance that insures deposits, manages receiverships, and examines financial institutions for safety and consumer protection which is why saving accounts is safe.

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Which describes a situation of scarcity?

Answers

Answer:

Scarce natural resources make it more difficult for producers to keep up with demand.

Explanation:

pa brainlest na din po

Answer:

"Scarce natural resources make it more difficult for producers to keep up with demand"

ABSOLUTE SCARCITY EXAMPLES INCLUDE: ... Coal is used to create energy; the limited amount of this resource that can be mined is an example of scarcity. A day has an absolute scarcity of time, as you cannot add more than 24 hours to its supply. Those without access to clean water experience a scarcity of water

Which of the following is a reason you can be fired under an employment at
will policy?
A. The company relocates to a smaller facility.
B. The company learns that your parents were born in Russia.
C. The company suspects you are stealing inventory.
D. The company wants to hire a younger worker.

Answers

Answer:

A

Explanation:

Cause they might need new people if they relocate Nd might fire a lot of ppl if the working space is small

This problem-solving application profiles electronics retailer Best Buy. The entrance of Amazon and Walmart into the online resale marketplace gashed Best Buy’s instore sales. When you couple that with inefficient processes and procedures at the organization, and scandals with senior leadership, the organization really was in dire straits. Organizations such as Circuit City, CompUSA and RadioShack could not survive their problems, could Best Buy? In came new CEO Hubert Joly and CFO Sharon McCollam. They are now in the middle of the many challenges Best Buy is facing and need to find solutions to these major problems. 1-Some of Best Buy’s internal issues could best be addressed by ______

Answers

Some of Best Buy’s internal issues could best be addressed by implementing better processes and procedures, improving corporate governance and leadership, and investing in employee training and development to increase efficiency and customer service.

Additionally, Best Buy could consider expanding its online presence and optimizing its supply chain to compete with Amazon and Walmart. This would help the company become more efficient and effective in its operations, reducing costs and improving customer satisfaction. By streamlining processes and eliminating unnecessary steps, Best Buy could improve its competitiveness and adapt to changes in the marketplace more quickly. Additionally, better processes and procedures could help prevent the types of scandals that have plagued the company in the past, as well as provide a solid foundation for future growth and success.

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A credit union

Question 3 options:

is larger than most banks


promotes good spending habits among its members


will allow anyone to join


provides financial service at a higher cost than a bank

Answers

Answer: A credit union promotes good spending habits among its members.

a warranty disclaimer is considered to be conspicuous when .


A. the seller implies the disclaimer

B. it is expressed and approved by both seller and buyer

C. a reasonable person is able to notice it

D. it is present in the contract

Answers

A warranty disclaimer is considered to be conspicuous when a reasonable person is able to notice it. Correct answer is option C

Conspicuousness refers to the visibility and prominence of a particular term or provision in a contract. In the context of a warranty disclaimer, it means that the disclaimer is presented in a manner that draws the attention of a reasonable person to its existence and significance.

To ensure conspicuousness, the disclaimer should be presented in a clear and noticeable manner. This could include using larger font size, bold or capitalized letters, contrasting colors, or placement in a prominent section of the contract.

The goal is to make the disclaimer stand out so that a reasonable person reviewing the contract would easily notice it and understand its implications.

By making the warranty disclaimer conspicuous, the seller ensures that the buyer is adequately informed about the limitations or exclusions of warranties, allowing them to make an informed decision regarding the purchase. Correct answer is option C

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What can industry classification systems do for the marketer?.

Answers

Answer:

Categorize organizations into groups based on such factors as the types of goods and services provided. e. Separate various businesses into different categories based on whether they offer business or consumer goods and services.

importance of Technical profession​

Answers

Answer:

The technical profession has always been important as it has replaced the society from nomadic to the modern era. ... The facilities of medicines, surgical works, communication, computer technology, transportation system, etc are the result of technical professions.

Supper Company Ltd., reported the following stockholders’ equity on its balance sheet at June 30,

2012:

Supper Company Ltd.

Stockholders’ Equity

June 30,2012

Paid-in Capital

Preferred stock, 10%,? par, 650,000 shares authorized, 280,000 shares issued $ 1,400,000

Common stock, par value $? per share, 5,000,000 shares authorized,

1,000,000 shares issued and outstanding

2,000,000

Paid-in capital in excess of par—common 6,000,000

Total paid-in capital 9,400,000

Retained earnings 12,300,000

Total Stockholders’ equity $21,700,000

Requirements:

1. What is the par value per share of Supper’s preferred stock? (Show Workings)

2. What is the par value per share of Supper’s common stock? (Show Workings)

3. What is the selling per share for the $6,000,000 reported as paid-in capital in excess of par –

common? (Show Workings)

4. Prepare two (2) summary journal entries to record issuance of all the Supper Company Ltd stock for

cash. Explanations are not required.

Answers

Answer:

1. Par Value of Preferred stock;

= Preferred stock value / Shares issued

= 1,400,000/280,000

= $5

2. Par Value of Common Stock

= Common stock value / Shares issued

= 2,000,002/1,000,000

= $2

3. Selling price per share including Paid-In Cap

Paid-in cap is the price of a share that exceeds its par value. Selling price therefore is;

= (Par Value + Paid In cap)/ Number of shares

= (2,000,000 + 6,000,000) / 1,000,000

= $8 per share

4.

DR Cash                                                         $1,400,000

     CR Preferred Stock                                                            $1,400,000

DR Cash                                                                $8,000,000

      CR Common Stock                                                                $2,000,000    

            Paid-In Capital in excess of par - Common Stock       $6,000,000

I need help with this

I need help with this

Answers

Answer:

B. Someone new contributes money to the company, becoming an owner.

Explanation:

Common stocks or shares represent a portion of the company. Ownership of a share means owning a part of the company. Shares are also known as equity.

A company issues common stocks when it wants to raise additional capital. Anyone buying shares is contributing capital to the business. They become owners of the business or shareholders as popularly known. They are issued with share certificates and are entitled to dividends.

Define the following terms: differential cost, opportunity cost, and sunk cost.

Answers

Defining the following terms:

differential cost, opportunity cost, and sunk cost.

Differential cost:

The difference in cost between the two alternatives.

It is also referred to as incremental cost.

Opportunity cost:

In contrast to other types of costs, opportunity cost does not necessitate payment in cash or its equivalent.

It is a significant advantage or revenue that is foregone as a result of choosing one option over another.

Mostly every alternative has a cost of opportunity.

It is not recorded in the accounting records, but it must be taken into account when making decisions.

Sunk cost:

Sunk costs are costs that have already been incurred and can't be changed by any decision.

It should not be considered when making a decision as no action can reverse it.

Hence, I have defined the given terms above.

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How long does an inquiry stay on your credit report.

Answers

Answer:

Two years

Explanation:

Hard inquiries stay on your credit reports for two years before they fall off naturally. If you have legitimate hard inquiries, you'll likely need to wait until the 24-month period is over to see them disappear. Not all hard inquiries impact credit scores.

Other Questions
In each of the following cases justify whether or not the expenditure should be capitalized: (a) A new engine is fitted to a machine, which will increase its production capacity from 100,000 units a year to 140,000 units a year. (b) Replacement of rotting windows in the head office. (c) Replacement of an aircraft engine every five years. In "Julie of the Wolves" does Kapugen kill Amaroq? If the dividend yield for year 1 is expected to be a 7% based on a stock price of 30 what will the year 5 divident be if dividents grow annually at a constant rate of 8%? Mohammed plans to have a fixed amount from his paycheck directly deposited into an account that pays 5.5% interest, compounded monthly. If he gelts pepid on the firm dxy of the month and wants to accumulate $13,000 in the next three-and-a-half years, bow mach me the should he deposit each month? Anne owns a business that trades in perishable commodities. Which property would anne be interested to invest in?. Where and how does respiration take place Christina is building a slide for her kids. The ladder is 4 feet tall and the slide is 9 feet long. What is the distance between the ladder and the bottom of the slide? If necessary, round to the nearest tenth. How do you say these sentences in French and in pass tense?1. I ate a cookie and a burger.2. I went to the park yesterday 3. I went to school.4. I was at the bookstore last weekend5. Yes I did make bread. In 2008, there were 507 children in Arizona out of 32,601 who were diagnosed with Autism Spectrum Disorder (ASD) ("Autism and developmental," 2008). Find the proportion of ASD in Arizona with a confidence level of 99%. what structure do echidnas and hedgehogs have in common? Allow all youth to freely express themselves durning a program session . Strongly agree, agree, DIsgree Which of the following are indicators ofpresence of illegal drugs?A. Excessive suckingB. Throwing toysC. High-pitched cryD. Rocking back and forthE.Seizures 6.1.2 ExamWhich of these is a nonstore retailer? A. Nail SalonB. SupermarketC. Coffee ShopD. Catalog Rachel McGovern bought a 12-year bond for $967.21 four years ago. The bond pays a coupon of 12 percent semiannually. Today, the bond is priced at $985.55. If she sold the bond today, what would be her realized yield? (Round to the nearest percent.) Identify the judiciary power that the office of attorney general has in common with the supreme court. assume that 502 nm light is used, the tube is 3.99 cm long, and that 221 fringe shifts occur as the pressure of the gas in the tube increases to atmospheric pressure. calculate ngas, the index of refraction of the gas. -6(y+15)=-3y+6 which value of y makes the equation true? Consider the solid region E enclosed in the first octant and under the plane 2x + 3y + 6z = 6. (a) Evaluate the volume of E using triple integrals in rectangular coordinates. Sketch the 2D graph related to the region in xy-plane. (b) Can you set up an iterated triple integral in spherical coordinates that calculates the volume of E? (c) Can you set up an iterated triple integral in cylindrical coordinates that calculates the volume of E? What is the area of the circle below? Round to the nearest tenths place. Exercise 2. 4. 3: Proving algebraic statements with direct proofs. About Prove each of the following statements using a direct proof. (a) For any positive real numbers, and ,. Solution (b) If is a real number and , then. (c) If is a real number and , then. Solution (d) If is a real number such that , then