Rewrite the following sentence in reported speech: "we have a cloud hovering over our heads;said Mario Cerutti​

Answers

Answer 1

Answer:

The answer is:

Explanation:

Reported speech: We had a cloud hovering above our heads, said Mario Cerutti.

Hope this helps..

Have a nice day, and hopefully you get the answer right even if my answer is wrong.

Answer 2

Answer:

Explanation  MARIO CERUTTI SAID THEY HAD A CLOUD OVER THEIR HEADS.


Related Questions

which of the following best describes the speaker's attitude in the passage toward the townspeople of Eatonville?a. She feels inaduaquate in their presenceb. She resents the fact that they do not admire herc. She appreciates their approach to lifed. She believes they deserve better rewards in their livese. She understands them but doesn't take them seriously

Answers

The option c " She appreciates their approach to life" best describes the speaker's attitude in the passage toward the townspeople of Eatonville.

As Janie and her husband go by train to the new town that Joe Starks informed her about ("a town all outa brown folks"), married life with him seems to be off to a good start. Joe has a lot of ideas and the resources to put them into action.

In honor of Captain Eaton, one of the original property donors, the community will be known as West Mainland or Eatonville. This has been Joe's Eatonville up until this point, and now that the store and post office are open, Joe tells Janie that she must work at the store since he is simply too busy.

As they watch Joe push their men to upgrade the town, their envy of Janie increases. Her feelings of being different, of being avoided and of not fitting in are repeated. She appreciates their approach to life best describes the speaker's attitude in the passage toward the towns people of Eatonville.

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The complete question is:

Which of the following best describes the speaker's attitude in the passage toward the townspeople of Eatonville?

a. She feels inadequate in their presence.

b. She resents the fact that they do not admire her.

c. She appreciates their approach to life.

d. She believes they deserve better rewards in their lives.

e. She understands them but doesn't take them seriously.

Look at the following quotations on war and peace by famous people. They form complex sentences. Identify the conjunction used in each. Write your answers in the blank. Then, underline the independent clause and encircle the dependent clause in each sentence.
1. When men talk about defense, they always claim to be protecting women and children, but they never ask the women and children what they think Pat Schroeder​

Answers

The conjunction of the sentence is the word "but." The two clauses before and after the conjunction are independent clauses.

We can arrive at this answer because:

Conjunctions are words that aim to connect two clauses in a sentence.In this case, the conjunction causes fluidity in the reading and allows the reader to understand what is being emitted.A clause is independent when it is read alone and can provide a full meaning without the need for a complement.A dependent clause is read alone and is not able to provide a complete meaning, requiring the presence of a complement.

The conjunction of this sentence is the word "but." The clauses are the two sentences that appear before and after the conjunction. If we read each sentence in isolation, we can see that the two convey a full meaning. Therefore, there are two independent clauses.

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Which was the most interesting disorder to learn about? Why? (Examples being Personality disorders, Obsessive–compulsive disorder, Dissociative disorder, Bipolar disorder)

Answers

Answer: I definitely think Bipolar!!
Not sure exactly it just really interested me!


Personality disorders are interesting because they involve deeply ingrained patterns of behavior that can greatly impact a person's life. Obsessive-compulsive disorder is fascinating because it involves repetitive behaviors that a person feels compelled to perform in order to alleviate anxiety. Dissociative disorders can be intriguing because they involve a person's consciousness detaching from reality in some way.Bipolar disorder is interesting because it involves extreme shifts in mood, energy, and activity levels, and can greatly impact a person's life. Each disorder presents its unique characteristics that make it interesting to learn about.


Answer:

As a psychology student, Schizoid Personality Disorder was one of the most interesting personality disorders to learn about. Schizoid Personality Disorder is distinguished by a widespread pattern of social alienation and a limited range of emotional expression. Individuals suffering from this illness may appear distant, aloof, and uninterested in social relationships, preferring solitary activities and reflection.

What makes Schizoid Personality Disorder particularly fascinating is the intricate interplay between internal experiences and social functioning. Unlike other personality disorders, where maladaptive behaviors are often displayed in interpersonal relationships, individuals with Schizoid Personality Disorder seem to navigate a different psychological landscape. They experience a profound disconnection from their own emotions and struggle to form close, meaningful connections with others.

Investigating the inner lives of people suffering from Schizoid Personality Disorder gives light on the intricacies of human emotion and attachment. It begs the question of what caused their emotional separation and how their distinct cognitive and emotional processing influenced their experiences. Understanding how people with Schizoid Personality Disorder perceive and interpret social cues and emotional stimuli can help us better understand the complexities of human social interaction and the range of emotional experiences.

This is my personal opinion!

-   Hope this helps! ^^

What is a quote for consequence u get when u bully someone?

Answers

Answer:

they fight you and beat you

Explanation:

words may hurt but fists hurt more

Read the excerpt from paragraph 2 in the passage. From where the sun now stands, I will fight no more forever! Which phrase best captures the meaning of the phrase "from where the sun now stands"? A. from this point forward B. for this specific occasion C. from sunrise to sunset D. for this moment only

Answers

From where the solar/sun now stands I will combat no more forever. He is surrendering due to the fact the winter's cold has killed many of his people. He is surrendering due to the fact so many of his tribe's elders have passed away. He is surrendering due to the fact his people's lives are more important than their freedom.

Who said from where the solar now stands I will battle no extra forever?

Chief Joseph

"Hear me, my chiefs! I am tired. My coronary heart is unwell and sad. From the place the sun now stands, I will battle no more forever." On October 5, 1877, Chief Joseph spoke these words during his surrender in the Bear Paw Mountains of Montana.

Joshua, as leader of the Israelites, asks God to motive the moon and the solar to stand nonetheless so that he and his navy might proceed hostilities by daylight.

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Read the paragraph Arianna has written about the northern lights. In summary, the northern lights are a phenomenon that have fascinated people for thousands of years. The spectacular light show in the sky draws travelers from all over the world, and now you know why. Next time you are outside at night, imagine what the sky would look like lit up with green, yellow, and streaks of red. There is nothing quite as brilliant as this natural occurrence. Where would this paragraph fit best in an informational essay? the end the cover page the beginning the middle

Answers

Answer:

the end

Explanation:

it says in summary as in making a conclusion to the paragraph so therefore it is a ending paragraph

Answer:

Its The End.

Explanation:

I got 100% on the quiz so I know its right.

1. What relationship do Hedge Coke’s ancestors have to “material legacies”? Use evidence from the text to support your inferences.

Answers

Answer:

It is make by mistake but it's the medicine of headache.

In Blood Run, a stanza play, Hedge Coke's persona sonnets advocate the need to safeguard the Indigenous North American hill city Blood Run. As both editor and contributor, Hedge Coke attempted to enlighten the significant work of artists of different foundations and legacy.

What is the purpose of Allison Adelle Hedge Coke's poem?

The speaker of the sonnet communicates love for a group and a country that betrayed their Indigenous progenitors as a youngster opposes its folks.The article discusses the Celtic clan how their stories accounts actually win even after no records were composed by them t direct.

The message that the writer needs to convey concerning Celt's heritage is that however they never had any composed record, their stories are as yet told in writing. The heritage they left was not of composed account but rather oral record. They passed on their heritage by listening in on others' conversations.

The Celts might not have kept set up accounts of themselves, however fortunately, they were extraordinary storytellers. A lot of their oral practice has been passed down starting with one age then onto the next.

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CHANGE THE SENTENCES INTO THE passive voice
14. He didn't draw a picture last week. ->
15. They offered him a job. ->
16. Someone broke two windows. ->
17. We are baking a cake now. ->
18. I was doing homework in the evening yesterday. ->
19. She collects stamps and coins.
20. Somebody has checked my sister's test. ->

Answers

Explanation:

   A picture wasn't drawn by him last week.

   A job was offered to him.

   Two windows were broken.

   A cake is being baked now.

   Homework was being done by me in the evening yesterday.

   Stamps and coins are collected by her.

   My sister's test has been checked by someone.

Which would be the closet antonyms for the word distant?
1. fortunate
2.Immediate
3.Improved
4.Familiar

Answers

The answer is 2. Immediate
Immediate is the closest antonym

QG. Write each sentence. Replace the words in parentheses with a possessive
pronoun.
---------------------------------------------------------------------------------------------------------
15. (My sister’s) friends are visiting today.
A, his B, her C, Our
16. They are older than (the friends I have).
A, my B, mine C, his

Answers

Answer:

Our and My.

Explanation:

Our sister's friends are visiting today.
They are older than my friends.

hope this helps!

The expression "live up to" most nearly refers to:
to live fully
to be as good as one is expected
to be as good as is possible

Answers

The second one is the right choice jjisiaisss

correct all the sentences
1 i would rather he doesn't use my things
2 it's time we go home , boys
3 we would rather have not given ger the money
4 they wish they went on holiday with their cousins this year
5 if only she didn't complain so much last night
its the unreal past​

Answers

The correct sentences after correcting grammatical mistakes are: I would rather he not uses my things. It's time we went home, boys. We would rather not have given her the money. They wish they had gone on holiday with their cousins this year. If only she hadn't complained so much last night.

Grammatical mistakes happen when someone disregards the conventions of formal writing in their sentence construction. While some grammatical mistakes are clear and result in a language that is incomprehensible, others are less obvious and just alter the meaning of the phrase.

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What are the good and bad sides of social media?

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Social media makes it easier for people to communicate with one another online.

Thus, Social media encompasses a wide range of applications and platforms, including and that let users share content, communicate online, and create communities.

More than 4.7 billion individuals, or nearly 60% of the world's population, utilize social media. Social media messaging platforms and applications are currently the most widely utilized websites worldwide.

Early in 2023, 94.8% of users visited websites and apps for and messaging, closely followed by 94.6% of users who visited social media platforms. Next, with 81.8% of users accessing them, were websites for search engines.

Thus, Social media makes it easier for people to communicate with one another online.

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The clock is keeper of time is this a metaphor or a personification

Answers

Answer:

Metaphor

Explanation:

it is a figure of speech in which a word or phrase is applied to an object or action to which it is not literally applicable.

Answer: It’s Metaphor

I had that same question

In her speech, Smith mainly advises the graduating class to -
Answer choices for the above question.
A. stay well-informed so as to vote responsibly
B. work, play, and do everyday activities, in public and with others, to receive joy
C. avoid blaming previous generations of people for their most consequential mistakes D. get regular exercise and regular checkups in order to live a long and healthy life

Answers

The right response is D. To live a long and healthy life, get regular exercise and checkups. Smith's address focuses on giving the graduating class advice on how to live a long and healthy life, including regular exercise and checkups.

The significance of physical health is emphasised, as Smith exhorts the graduating class to take ownership of their own health and wellbeing. For the pupils to preserve their health and have long, healthy lives, she emphasises the value of frequent exercise and checkups.

Smith urges the children to actively participate in their own health and wellbeing while highlighting the value of preventative care. Smith doesn't counsel the graduating class to keep up with current events, therefore to avoid blaming this is happening.

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Why is it Rosenberg’s responsibility to tell the mother about the death of her child? Why does Rosenberg not ask someone else to break the difficult news?

Answers

It is Rosenberg’s responsibility to tell the mother about the death of her child because she is the emergency doctor at Temple University Hospital.

It was difficult for Rosenberg to ask someone else to break the difficult news because of his profession.

Who is Rosenberg?

Rosenberg was the emergency doctor that attended to the child before the child gave up.

This was the reason why Rosenberg broke the news to the mother as a professional, because the child was shot.

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Select the correct text in the
passage.
Which sentence is a
compound sentence?
Time iS not always change. Time can also mean continuity, and it can mean keeping
acknowledged truths in mind despite differences in circumstances. There iS no better
example of this in Things Fall Apart than the retellings of the proverb about the bird
named Eneke. The language in both retellings is almost identical despite the length of
time that has passed between their repetitions. In comparing the usages of the same
proverb, Achebe allows his readers to note the similarities and differences between
the situations, and he helps them understand how this story can be applied to their
own lives.

Answers

Answer:

Time can also mean continuity, and it can mean keeping acknowledged truths in mind despite differences in circumstances; there is no better example of this in Things Fall Apart than the retellings of the proverb about the bird named Eneke.

Explanation:

"Time is not always change. Time can also mean continuity, and it can mean keeping acknowledged truths in mind despite differences in circumstances." is a compound sentence.

Please see the photos and answer thanks

Please see the photos and answer thanks
Please see the photos and answer thanks

Answers

A. Personal Problem or Dilemma:

I am having a difficult time deciding whether to accept a job offer from a new company or stay in my current job.

How to explain the information

B. Analysis:

Describe the problem or dilemma:

The problem is that I am torn between accepting a job offer from a new company or staying in my current job. This decision is causing me stress and anxiety as it will have a significant impact on my career and personal life.

Why does this it exist? What caused it? Who is involved?

This dilemma exists because I have been offered a new job with better pay and benefits, but I have also been with my current company for a long time and have established relationships with my colleagues. I am the only one involved in this decision-making process, but it will affect my family and my financial situation.

What is your goal or desired outcome i.e. how will you know when the problem or dilemma is "solved"?

My goal is to make a decision that will benefit my career and my family in the long run. I will know the problem is solved when I have made a decision that I feel confident and comfortable with.

What options do you have?-brainstorm!

Accept the new job offer

Stay in my current job

Negotiate with my current employer for better pay and benefits

Take some time to think about the decision and not rush into it.

What are the consequences, (pos, and neg.), of each?

Accepting the new job offer:

Positive:

Better pay and benefits

Opportunity for growth and development

Chance to work with a new team and gain new skills

Negative:

Leaving behind established relationships with current colleagues

Risk of not fitting in with the new team and company culture

Uncertainty about job security in a new company

Staying in my current job:

Positive:

Familiarity with the company and colleagues

Job security and stability

Opportunity to maintain work-life balance

Negative:

Limited growth and development opportunities

Possible stagnation in career growth

No increase in pay or benefits

Negotiating with my current employer for better pay and benefits:

Positive:

Improved compensation and benefits

Opportunity for growth and development within the company

Maintaining established relationships with colleagues

Negative:

Risk of rejection of the negotiation

Possibility of creating tension with the employer

Taking some time to think about the decision and not rush into it:

Positive:

Opportunity to consider all options and potential outcomes

Reduced stress and anxiety from rushing into a decision

Increased confidence in the final decision

Negative:

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Which sentence is capitalized correctly?
A. We drove North of town to best see the Northern Lights.
B. We made an appointment to meet with Hon. Douglas
Peabody about the proposed County Annexation.
C. Don, Marcy, and Cliff are my Cousins from Peoria.
D. He read The Three Musketeers by Alexandre Dumas.

Answers

D if The Three Musketeers isn't inquoted

Growing use of Mobile phone
and It's Impact on student.

Answers

Answer: Smartphone addiction has negative impacts on student learning and overall academic performance. The greater the use of a phone while studying, the greater the negative impact on learning. The skills and cognitive abilities students needed for academic success are negatively affected by excessive phone use.

Explanation: 5 Stars Please

Which part is the address of the person receiving the letter

Answers

Answer: Inside Address

Explanation: The name and address of the person receiving the letter; positioned below the date line.

Answer:

Inside/Letter address

This is a part of a letter that identifies the address of the person who is receiving the letter.

what would you do if you were able to communicate with animals?

Answers

Answer:

I would talk to them like I would with a regular person.

Explanation:

Midnight at the dragon cafe. In paragraph 3 pensive means

A. Polite
B. Attentive
C. Reassured
D. Contemplative

Answers

Answer: D) Contemplative

Both "pensive" and "contemplative" mean "to be in deep and/or serious thought". It might help to think of "pen" from "pensive" as a connection that pens are used in academic settings, which help with forming thoughts.

Answer:

pensive

engaged in, involving, or reflecting deep or serious thought.

Explanation:

this should give you a direct hint ✌

Hi, I have today's test in English.

Can anyone help me?​

Answers

Answer:

sure whats the question

Explanation:

what does a 'flat line' mean?

a. Horizonal
b. endless
c. no rise
d. none of the above

Answers

Answer:

Horizontal

Explanation:

Straight flag line

Which of the following sentences uses the en-dash correctly? ​

Which of the following sentences uses the en-dash correctly?

Answers

First one is the correct answer

a teacher and a farmer who is more important and why do you think
the teacher is more important​

Answers

Answer: A farmer.

Unarguably, farmers and teachers are necessary and indispensable contributors to livelihood. On determining which is more important, balance is to be placed and weighed on the indispensability of each in the society and the amount of value supplied.Unarguably, farmers and teachers are necessary and indispensable contributors to livelihood. On determining which is more important, balance is to be placed and weighed on the indispensability of each in the society and the amount of value supplied.A teacher is a person formally employed in an academic institution for the purpose of impacting knowledge on the students, and performing such other functions which regularizes the studentship of students.

For the farmers, the agricultural sector has become one of (if not the most) money yielding and economy boosting sector in most countries, Nigeria inclusive. Farming can be in a small, medium or large scale. Farming has been in existence from history and is in fact as old as history itself. Since then till now, its relevance and indispensability has never been questioned, rather the farming sector keeps developing into the use of machineries as opposed to man power.The contribution of farmers to the society and the environment is massive. Agricultural field such as horticulture is a branch that sees to cultivation of plants. Remember that plants contributes positively to the ecosystem, thereby making our environment habitable. Plants breathe in carbon dioxide which is breathed out by humans in exchange for oxygen which humans breathe in. most plants are sources of food and raw materials. Human beings need food to survive. In other words, food is a basic need of man.

Asides that, production of foods from plants contributes to trade and commercial activities. Good number of citizens make their living because they are into food and fruit trading. Also good number of raw materials are gotten from plants. Raw materials such as fibres, barks, leaves, saps, woods, latex etc. from plants, products such as medicinal herbs, cotton, etc is produced. Let’s not talk about the health benefits of farming produce.

Availability of these keeps one healthy, living and away of hospital. These farm produce are made available because they are people who are in charge. They are known as farmers. Plants are in fact the main source of food.Floriculture is a branch of horticulture which is also beneficial to the environment. This is the branch that sees to the farming of flowers. Flowers also contribute to a healthy environment by production of oxygen which humans breathe in, purifying air, keeping a cool and attractive surrounding, and also medicinal benefits, etc. Olericulture is the branch dealing with the production, storage and processing of vegetables.

Animal husbandry is another branch of agriculture which foresees rearing of animals, usually domestic animals. The benefits of these animals being reared and preserved by farmers are quite much. Their contribution to healthy living, commercial activities and the economy at large cannot be overemphasized. Without these animals, there would be no meat for man to devour. Meat is a good source of protein and vitamins. Meat is also a source of raw material such as the animal skin, bones, etc. From animals like cow, milk is extracted. From chicken and other birds, egg is gotten. And may more.

Agriculture is so relevant that it has become a subject and course being taught in school. This does not mean that to be an agriculturalist or a farmer, that a formal education is required. In fact, most farmers had no formal education. Having a formal education is never a prerequisite for being a farmer. Remember that farming may be in a small scale, medium scale or large scale.

Therefore anyone can be a farmer at any point in time. There are no limitations. This shows how much relevant and obtainable farming is, and how much their produce is need. On the other hand, being a teacher is restrictive and demands formal education and other protocols. This shows how much a teacher can be done without, but for farmers? No, their services and end produce are always needed and in fact indispensable.

Explanation:

Answer: Farmers

Explanation: Farmers don't only keep everyone fed and watered, but they also play a vital role in the economy and provide essential employment for people in rural communities. Farming and the agricultural industry as a whole is actually one of the main sources of employment in a lot of places. Teachers may be helpful but if we are to live a healthy life then we could say that farmers contribute to our life than teachers do.

The synonym of the word ‘racked’ is ___________.
arranged
suffered
comforted
pls fast

Answers

I believe it’s arranged
I think it is suffered because racked means to suffer torture,pain,anguish:)

Which events identify factors that contributed to the Renaissance? Select all that apply.
the discovery of the New World
the rise of a wealthy merchant class
human-like portrayals of divine figures in art
growing discontent with the corruption of the Catholic Church

Which events identify factors that contributed to the Renaissance? Select all that apply.the discovery

Answers

Answer:

the rise of a wealthy merchant class

growing discontent with the corruption of the Catholic Church

Those are 100% correct, I just took the test.

The  events identify factors that contributed to the Renaissance are

the rise of a wealthy merchant classgrowing discontent with the corruption of the Catholic Church

What was Renaissance?

Renaissance is defined as a reincarnation that exhibits fresh development or change. In Europe, the Renaissance took place in a variety of disciplines, including art, architecture, architecture, science, and philosophy.

As a way to earn money, popes and bishops started to sell forgiveness. By engaging in this behavior, it appeared as though misdeeds could be purchased. The misuse of indulgences caused a great deal of Catholics to become quite disturbed by Renaissance.

When speaking of the Christian community, a church is understood to be a sacred space where believers can worship, pray, and seek blessings from their God.

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2. Read the phrase from paragraph 3.
"much of the animals' lives is a mystery."
Fill in the bubbles before two sentences from the passage that support the
author's statement.
"Imagine that you are swimming in the ocean and come upon a shark as long
as a school bus." (paragraph 1)
"Tracking tags contain devices that keep a record of where each shark travels,
how deep it swims, and any changes in water temperature." (paragraph 7)
"No one knows why the sharks dive so deep." (paragraph 9)
"Over the next 150 days, the shark traveled nearly 5,000 miles from the
Yucatan Peninsula to a point about halfway between South America and
Africa." (paragraph 10)
"Dr. Hueter thinks this may be one place where whale sharks go to give birth,
but he'll need more data to find out." (paragraph 10)

Answers

Answer:

Explanation:

"Tracking tags contain devices that keep a record of where each shark travels, how deep it swims, and any changes in water temperature." (paragraph 7)

"No one knows why the sharks dive so deep." (paragraph 9)

Other Questions
3. a client is admitted with severe anxiety. what interventions would the nurse take to help decrease the anxiety and develop a therapeutic relationship with the client? what does high enthalpies of fusion and vaporizing means how does nephron help in regulating fluid and electrolyte balance the earliest known domesticated wheat, barley, and rice crops are thought to have originated in asia about How did the earliest people get to Australia and New Zealand? Question 1 options: Australia and New Zealand were colonized so late that sea-faring was prevalent, and they were able to easily make the journey Archaeological evidence is not clear on this point Thankfully, there was still a dry crossing available, so they crossed on land There was no dry crossing available, so they were the first sea-faring colonizers A population of rabbits in an ecosystem has genetic variation in fur thickness. Some rabbits have thick fur and others have thin fur. Due to changes in the environment, the average temperature of the ecosystem is steadily increasing.How will this environmental change likely affect the rabbit population over time? A. Rabbits with thick fur will become more common in the population because thick fur will be a favorable trait in this changing environment. B. Rabbits with thin fur will become more common in the population because these rabbits are more likely to survive and successfully reproduce. C. Rabbits with thick fur and thin fur will become equally distributed because all rabbits in the population will successfully reproduce. D. Rabbits with both fur types will increase in the population because the temperature change will cause the population of rabbits to expand. Exercise 2 Draw one line under each simple subject and two lines under each compound predicate in the following sentences.Set designers create and develop the proper atmosphere for the play. If $3200 is invested at a rate of 2.4% that is compounded annually, how much will it be worth after 4 years? The nims-ics organizational functions established at incidents when wmds or criminal activities are suspected is called the________. 10. The US Government subsidizes flood insurance because those who want to buy it live in the flood plain and cannot get it at reasonable rates. What inefficiency does this subsidy create 16 year old trafficking victim facing life in prison.a. trueb. false which of the following statements about location options are true? multiple select question. adding new locations while keeping existing ones may draw demand from existing locations instead of increasing overall demand. shutting down existing facilities and opening new ones is a poor strategy, leading to significant unnecessary costs. expansion costs are often less than those of other alternatives. Which one of the following is the most important step you can take to provide for the physical safety and emotional stability of children in disasters? Give children extra time and attention.Preserve family unity. Strengthen childrens coping skills.Educate children about disasters. a number decreased by 23% equals 123 Total interest cost for a bond issued at a premium equals the total of the periodic interest payments minus the premium. Group of answer choices True False What was a response by the states to the policy listed above?1. Massachussetts and Georgia Constitution2. Kentucky and Virginia Resolutions3. New York and Virginia Resolutions4. New Jersey and Virginia Plans what role does the four noble truths play in buddhism what is wrong with this sentence, "Knowing how to use a knife or safely prep food are useful and helpful skills Which answer is NOT a reason public support for American independenceincreased over time?A. Influential men in the colonies began writing pamphlets explaining the needfor independence.B. The Magna Carta was passed, which took away the colonists' liberties.C. The Continental Army experienced military success under the leadership ofGeorge Washington.D. Parliament had closed the Boston ports. (Compounding using a calculator and annuities due) Suppose that 7 years ago Alfa Simpson invested $1,000,000 at a 5 percent annual interest rate. If he invests an additional $20,000 a year at the beginning of each year for 15 years at the same 5 percent annual rate, how much money will Alfa have 15 years from now?