ࡱ> fh ec@ uTbjbjצצ +uLhLhLhLhL4MgMRRRV{W{W{W%g'g'g'g'g'g'g$\hRjlKg(Y{W{W(Y(YKgRV`g6d6d6d(YRV%g6d(Y%g6d6dffRM |IThL[f%gvg0gf,k^kfkf({W>W,6dW$ X{W{W{WKgKg$EGdtaGReview for Personal Finance True/False Indicate whether the sentence or statement is true or false. ____ 1. To determine your gross pay when you receive an hourly wage, you multiply your hourly rate by the number of regular hours worked. ____ 2. Annual salary refers to the amount of pay to be received each month. ____ 3. The amount left after all deductions have been subtracted from gross pay is known as net pay. ____ 4. Regular wages or salary plus overtime wages equals gross pay. ____ 5. Flextime is another word for permanent part-time employment. ____ 6. The core time period of most companies is between 7 a.m. and noon on weekdays and weekends. ____ 7. Although some workers do not belong to unions, it is generally true that they benefit because of the existence of unions. ____ 8. Labor unions and professional organizations are the same thing. ____ 9. Cafeteria-style benefits allow workers to base their job benefits on personal needs. ____ 10. A typical health insurance plan has an employer-paid amount called a deductible. ____ 11. A stock purchase option is not considered an incentive to improve performance. ____ 12. A contract with an illegal purpose is called a voidable contract. ____ 13. You can use a spreadsheet program to maintain a list of your income and expenses. ____ 14. If you co-sign a loan and the other signer is unable to repay the debt, you aren't legally responsible. ____ 15. You should keep copies of tax returns and supporting records for a period of three years. ____ 16. It is not a good idea to take photographs of your valuables because other people might see the photos. ____ 17. Assets are things of value that you own. ____ 18. Receipts are valuable to use as evidence or proof of payment. ____ 19. Keeping good personal records will not help your long-range financial planning. ____ 20. Fixed expenses will change according to your needs and short-term goals. ____ 21. Disposable income is the money you have left to spend or save after taxes have been paid. ____ 22. Banks usually charge fees for processing overdrafts. ____ 23. The payee is the person authorized to write checks on an account. ____ 24. When writing the numeric amount on a check, raise the cents above the dollars and use a decimal point. ____ 25. When filling in the written amount on a check, use the word and to separate dollar and cent amounts. ____ 26. Checks written are added to the balance in the checkbook register. ____ 27. If your name is written incorrectly as payee on a check, endorse the check by first writing your name correctly. ____ 28. When you make a mistake in writing a check, you should tear the check up and throw it away. ____ 29. A check has "bounced" when an overdraft occurs and the check has been returned. ____ 30. Checking advertised as "free" must not have hidden charges or conditions. ____ 31. The advantage of online and telephone banking is that information is up-to-date and can be checked any time. ____ 32. Short-term needs include things such as home ownership, education of children, and retirement. ____ 33. For use of the savers money, the financial institution pays the saver money called principal. ____ 34. A regular savings account pays much more interest than a certificate of deposit. ____ 35. You may be charged a service fee if you make more than a maximum number of withdrawals from your regular savings account in one month or if your balance falls below a certain minimum. ____ 36. Mutual savings banks are common all across the country. ____ 37. Liquidity is a major advantage to regular savings accounts. ____ 38. Money market accounts are subject to early withdrawal penalties. ____ 39. Convenience is a reason why many people choose a financial institution. ____ 40. A certificate of deposit earns a variable interest rate for a specified length of time. ____ 41. Credit unions are for-profit organizations. ____ 42. Credit unions do not provide insurance for their depositors' savings. ____ 43. Early withdrawal penalties are charged against certificates of deposit for withdrawals prior to maturity. ____ 44. Money compounded quarterly earns more total interest than money compounded annually. ____ 45. All investment alternatives have advantages and disadvantages. ____ 46. Beginning investments should include a strategy for diversification. ____ 47. Inflation affects investment strategy. ____ 48. A speculative investment greatly decreases your chance of earning a profit as well as a loss. ____ 49. Inflation makes fixed-rate investments worth more. ____ 50. The more risk you are willing to take in investing, the more you stand to gain or lose. ____ 51. When making investments, speed in making decisions is important. ____ 52. The Wall Street Journal is a daily financial newspaper. ____ 53. Although real estate represents a non-liquid investment in cash, it has usually proven to be a protection against inflation. ____ 54. Discount brokers provide all the services of regular brokers, but their services are generally less expensive. ____ 55. The most important element in selecting a financial adviser is the service fee. ____ 56. Savings bonds are sold at a discount, or for less than their maturity value. ____ 57. Financial advisers can make good recommendations without having detailed personal financial information on their clients. ____ 58. A public corporation's stock is traded openly in stock markets. ____ 59. Corporations must pay dividends to stockholders regardless of profits. ____ 60. Preferred stockholders take more risk than common stockholders. ____ 61. Income stocks usually pay no dividends to investors. ____ 62. Growth stocks reinvest profits so the business can grow and expand. ____ 63. Preferred stock pays a fixed dividend and carries no voting rights. ____ 64. Selling short is selling stock borrowed from a broker. ____ 65. Most investors consider stock purchases as short-term investments. ____ 66. The largest stock exchange in the United States is the New York Stock Exchange. ____ 67. Market value and par value are the same dollar amount. ____ 68. Buying on margin is a long-term investment strategy. ____ 69. With direct investment, stockholders can avoid brokerage and other purchasing fees. ____ 70. A corporation may sell both stocks and bonds. ____ 71. Bonds are considered variable-income investments. ____ 72. Interest payments for corporate bonds usually are distributed semiannually to bondholders. ____ 73. Most corporate bonds are sold in denominations or units of $100. ____ 74. Mortgage bonds are typically backed by specific assets as collateral to assure repayment of the debt. ____ 75. All bonds are issued with a stated value and a variable interest rate. ____ 76. A bond's yield will be higher than the stated rate of interest if it is purchased for a premium. ____ 77. When bonds sell below face value, they are sold for a discount. ____ 78. When you buy government bonds, you are loaning money to the government. ____ 79. The closing sale prices of corporate bonds are reported in the financial section of The Wall Street Journal and major newspapers. ____ 80. Treasury obligations are rated just like corporate bonds, with AAA being the safest rating possible. ____ 81. Full-service or discount brokers can assist an investor in purchasing government bonds. ____ 82. You can buy Treasury securities directly from the Federal Reserve System. ____ 83. Standard & Poor's and Moody's rate and evaluate corporate and municipal bonds. ____ 84. Most mutual fund companies offer several different types of funds. ____ 85. Growth funds are usually considered safe and pay regular fixed dividends. ____ 86. Index funds hold stocks and bonds that react in the same way as the stock or bond markets as a whole. ____ 87. A no-load fund charges a sales commission. ____ 88. The Internet is a good place to find information on mutual funds. ____ 89. Commercial property includes investing in your own home. ____ 90. The investor holds legal title to property in direct investments. ____ 91. Recreation or retirement homes are often rented until they are used full time by their owners. ____ 92. A trustee holds legal title and manages assets for someone else. ____ 93. A general partner organizes a real estate syndicate to buy high-priced real estate. ____ 94. A participation certificate is an indirect real estate investment. ____ 95. Leverage is the use of borrowed money to make an investment. ____ 96. The owner of rental property cannot deduct depreciation of real property over the years. ____ 97. When real property is sold, the gain is taxable. ____ 98. Metals, gems, and collectibles are considered speculative investments. ____ 99. Types of investment choices are different, depending on your age. ____ 100. Government-sponsored pension plans include social security and veterans benefits. ____ 101. A will passes title to all of a person's property, even property held in joint title. ____ 102. All people are eligible for a deductible, tax-deferred IRA. ____ 103. Simplified employee pension (SEP) plans allow smaller employers to establish plans with IRAs as a funding method. ____ 104. Employee contributions to SEP plans are tax-deductible. ____ 105. A 401(k) plan is available to government and not-for-profit employees. ____ 106. A 403(b) plan is available to employees of profit-seeking businesses. ____ 107. Earnings on tax-deferred accounts are taxed when withdrawn. ____ 108. When a person dies intestate, the government gets his or her property. ____ 109. An amendment to a will is called a codicil. ____ 110. Probate is a court proceeding to validate and process the will of a person who has died. ____ 111. Joint ownership, with right of survivorship, will pass title to property at the death of either owner. ____ 112. The federal government does not tax estates of persons who have died. ____ 113. Used correctly, credit can greatly expand your purchasing potential and raise your standard of living. ____ 114. You generally are able to add onto a closed-end account, as long as payments are current. ____ 115. Many installment purchase agreements involve the signing of some form of contract before you take possession of the item being purchased. ____ 116. A line of credit is a pre-established amount that can be borrowed on demand, with collateral. ____ 117. A revolving credit account is a type of open-ended credit. ____ 118. Service credit is available to almost everyone and most often does not carry finance charges but allows budget plans when needed. ____ 119. Drug stores, clothing stores, and pawnshops are all examples of retail stores. ____ 120. Large retail stores typically do not allow customers to use bank credit cards as well as store credit. ____ 121. Banks are more willing to give loans or credit to their regular customers. ____ 122. Credit unions make loans available to both members and non-members. ____ 123. Finance companies take less risk and charge lower interest rates than do credit unions. ____ 124. A pawnbroker is an illegal business where loans are made on the value of merchandise that serves as collateral. ____ 125. The annual percentage rate (APR) is the cost of credit, expressed as a yearly percentage. Why is it important to maintain a good credit history?  HTMLCONTROL Forms.HTML:Option.1 a. Because your family will inherit it, and it's important to plan for their future  HTMLCONTROL Forms.HTML:Option.1 b. Because anyone can access your credit history at any time to learn about you  HTMLCONTROL Forms.HTML:Option.1 c. Because a good credit history can generally help you negotiate for a lower interest rate  HTMLCONTROL Forms.HTML:Option.1 d. Consumer protection laws state it is your responsibility to maintain good credit 2.What might happen if you fail to make several payments on purchases that you made a year ago?  HTMLCONTROL Forms.HTML:Option.1 a. The item(s) can be taken away from you, if the item(s) secured the credit obligation you took on when you bought the items  HTMLCONTROL Forms.HTML:Option.1 b. Negative information may be added to your credit report  HTMLCONTROL Forms.HTML:Option.1 c. You could be denied credit in the future  HTMLCONTROL Forms.HTML:Option.1 d. All of the above 3.How can you find what your credit history looks like?  HTMLCONTROL Forms.HTML:Option.1 a. Contact a credit-reporting agency  HTMLCONTROL Forms.HTML:Option.1 b. Ask a private investigator to find out all they can about you  HTMLCONTROL Forms.HTML:Option.1 c. Look yourself up on the Internet  HTMLCONTROL Forms.HTML:Option.1 d. Check your family's credit history 4.Which of the following is not something a creditor will look at before granting you credit?  HTMLCONTROL Forms.HTML:Option.1 a. If you pay your bills on time  HTMLCONTROL Forms.HTML:Option.1 b. Where you live and your living arrangements  HTMLCONTROL Forms.HTML:Option.1 c. How many credit obligations you have  HTMLCONTROL Forms.HTML:Option.1 d. How much you owe on all your accounts 5.Net income is also known as:  HTMLCONTROL Forms.HTML:Option.1 a. Taxable income  HTMLCONTROL Forms.HTML:Option.1 b. Alimony  HTMLCONTROL Forms.HTML:Option.1 c. What's left after you pay your bills  HTMLCONTROL Forms.HTML:Option.1 d. Take-home pay 6.In addition to house payment, what other house expenses should be considered in your monthly budget?  HTMLCONTROL Forms.HTML:Option.1 a. Insurance  HTMLCONTROL Forms.HTML:Option.1 b. Maintenance  HTMLCONTROL Forms.HTML:Option.1 c. Utilities  HTMLCONTROL Forms.HTML:Option.1 d. All of the above 7.Which of the following is a contract with the seller to buy the seller's home?  HTMLCONTROL Forms.HTML:Option.1 a. Note  HTMLCONTROL Forms.HTML:Option.1 b. Purchase agreement  HTMLCONTROL Forms.HTML:Option.1 c. Installment sale  HTMLCONTROL Forms.HTML:Option.1 d. Closing agreement 8.Which of the following is a contract with a financial institution to pay the purchase price of a home plus agreed upon finance charge over a certain period of time?  HTMLCONTROL Forms.HTML:Option.1 a. Gap protection  HTMLCONTROL Forms.HTML:Option.1 b. Acquisition fee  HTMLCONTROL Forms.HTML:Option.1 c. Promissory note or loan agreement  HTMLCONTROL Forms.HTML:Option.1 d. Residual price 9.With an adjustable rate mortgage, the interest rate  HTMLCONTROL Forms.HTML:Option.1 a. can adjust between the time you sign a purchase agreement and the time you close on the sale  HTMLCONTROL Forms.HTML:Option.1 b. will adjust based on market index at specific time periods resulting in potentially higher or lower monthly payments  HTMLCONTROL Forms.HTML:Option.1 c. can adjust when you pay a pre-determined amount of the principal.  HTMLCONTROL Forms.HTML:Option.1 d. adjusts when you open up a home equity line of credit 10.A home equity loan is a mortgage that is backed by the existing equity of your home and property.  HTMLCONTROL Forms.HTML:Option.1 a. True  HTMLCONTROL Forms.HTML:Option.1 b. False 11.You can pay off your mortgage early by sending an additional amount to your mortgage servicer each month and asking it to be applied to the principal (although you may incur a fee for doing so).  HTMLCONTROL Forms.HTML:Option.1 a. True  HTMLCONTROL Forms.HTML:Option.1 b. False 12.Can you shop around, meaning obtain a quote, from multiple mortgage lenders (or mortgage brokers/loan officers)?  HTMLCONTROL Forms.HTML:Option.1 a. Yes  HTMLCONTROL Forms.HTML:Option.1 b. No 13.Which of the following items can you negotiate with a mortgage lender when obtaining a mortgage?  HTMLCONTROL Forms.HTML:Option.1 a. Annual Percentage Rate  HTMLCONTROL Forms.HTML:Option.1 b. Length of contract  HTMLCONTROL Forms.HTML:Option.1 c. Closing costs  HTMLCONTROL Forms.HTML:Option.1 d. All of the above 14.PITI is an acronym that stands for?  HTMLCONTROL Forms.HTML:Option.1 a. Purchase Agreement + Income + Time + Interest  HTMLCONTROL Forms.HTML:Option.1 b. Preapproval + Income + Term Sheet + Interest Rate  HTMLCONTROL Forms.HTML:Option.1 c. Principal + Interest + Taxes + Insurance  HTMLCONTROL Forms.HTML:Option.1 d. None of the above 15.You must purchase mortgage insurance if you make less than a 20% down payment.  HTMLCONTROL Forms.HTML:Option.1 a. True  HTMLCONTROL Forms.HTML:Option.1 b. False 16.If you are having difficulty making your monthly mortgage payment, is it possible to call your mortgageservicer and ask to re-negotiate the terms of your mortgage to help you maintain your home ownership?  HTMLCONTROL Forms.HTML:Option.1 a. Yes  HTMLCONTROL Forms.HTML:Option.1 b. No 17.With a fixed-rate loan, the interest rate on your mortgage remains the same until you pay off your mortgage.  HTMLCONTROL Forms.HTML:Option.1 a. True  HTMLCONTROL Forms.HTML:Option.1 b. False 18. Federal law prohibits a mortgage lender from denying you a mortgage because of your sex, marital status, race, color religion, national origin, age, or source ofincome  HTMLCONTROL Forms.HTML:Option.1 a. Yes  HTMLCONTROL Forms.HTML:Option.1 b. No Bottom of Form Review for Personal Finance Answer Section TRUE/FALSE 1. ANS: T 2. ANS: F 3. ANS: T 4. ANS: T 5. ANS: F 6. ANS: F 7. ANS: T 8. ANS: F 9. ANS: T 10. ANS: F 11. ANS: F 12. ANS: F 13. ANS: T 14. ANS: F 15. ANS: T 16. ANS: F 17. ANS: T 18. ANS: T 19. ANS: F 20. ANS: F 21. ANS: T 22. ANS: T 23. ANS: F 24. ANS: T 25. ANS: T 26. ANS: F 27. ANS: F 28. ANS: F 29. ANS: T 30. ANS: T 31. ANS: T 32. ANS: F 33. ANS: F 34. ANS: F 35. ANS: T 36. ANS: F 37. ANS: T 38. ANS: F 39. ANS: T 40. ANS: F 41. ANS: F 42. ANS: F 43. ANS: T 44. ANS: T 45. ANS: T 46. ANS: T 47. ANS: T 48. ANS: F 49. ANS: F 50. ANS: T 51. ANS: F 52. ANS: T 53. ANS: T 54. ANS: F 55. ANS: F 56. ANS: T 57. ANS: F 58. ANS: T 59. ANS: F 60. ANS: F 61. ANS: F 62. ANS: T 63. ANS: T 64. ANS: T 65. ANS: F 66. ANS: T 67. ANS: F 68. ANS: F 69. ANS: T 70. ANS: T 71. ANS: F 72. ANS: T 73. ANS: F 74. ANS: T 75. ANS: F 76. ANS: F 77. ANS: T 78. ANS: T 79. ANS: T 80. ANS: F 81. ANS: T 82. ANS: T 83. ANS: T 84. ANS: T 85. ANS: F 86. ANS: T 87. ANS: F 88. ANS: T 89. ANS: F 90. ANS: T 91. ANS: T 92. ANS: T 93. ANS: T 94. ANS: T 95. ANS: T 96. ANS: F 97. ANS: T 98. ANS: T 99. ANS: T 100. ANS: T 101. ANS: F 102. ANS: F 103. ANS: T 104. ANS: T 105. ANS: F 106. ANS: F 107. ANS: T 108. ANS: F 109. ANS: T 110. ANS: T 111. ANS: T 112. ANS: F 113. ANS: T 114. ANS: F 115. ANS: T 116. ANS: F 117. ANS: T 118. ANS: T 119. ANS: F 120. ANS: F 121. ANS: T 122. ANS: F 123. ANS: F 124. ANS: F 125. 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VALUE="wrong">DefaultOcxName31CompObjqObjInfoOCXDATAfOCXNAME$_1261566147U\gP+ITPRINTCompObjqObjInfo{ #  - !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="9" VALUE="wrong">DefaultOcxName32{ #  - !- !   .- !OCXDATAfOCXNAME$_1261566146U\gP>IT@@ITPRINT =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAMECompObjqObjInfoOCXDATAjOCXNAME$="9" VALUE="correct">DefaultOcxName33{ #  - !- !   .- ! =@ ( 4xx#@ ( _1261566145U\g@@IT@WCITPRINTCompObjqObjInfo@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="9" VALUE="wrong">DefaultOcxName34{ #  OCXDATAfOCXNAME$_1261566144U\g@WCIT0EITPRINT      ":!#%$&'(*)+-,./021364587<9;U=?>@ABDCEGFHIJLKMONPQRTSVYWX[Z^\]_a`befghijklmnopqrstuvwxyz{|}~- !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19qCompObjqObjInfoOCXDATAfOCXNAME$2U\g<INPUT TYPE="radio" NAME="9" VALUE="wrong">DefaultOcxName35{ #  - !- !   .- ! =@ ( 4_1261566143U\g0EIT0HITPRINTCompObjqObjInfo     !"#$%&'()*+,.1456789:;<=>?@ACFIJKLMNOPQRSTUVX[^_`abcdefghijkmpstuvwxyz{|}~xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="10" VALUE="correct">OCXDATAlOCXNAME$_1261566142U\g0HIT0JITPRINT DefaultOcxName36{ #  - !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@'CompObjqObjInfoOCXDATAhOCXNAME$ U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="10" VALUE="wrong">DefaultOcxName37{ #  - !- ! _1261566141U\g0JIT LITPRINTCompObj-qObjInfo/  .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2OCXDATA0lOCXNAME2$_1261566140U\g LIT >OITPRINT3U\g<INPUT TYPE="radio" NAME="11" VALUE="correct">DefaultOcxName38{ #  - !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="11" VALUE="wrong">DefaultOcxName39CompObjBqObjInfoDOCXDATAEhOCXNAMEG$_1261566139U\g >OIT >OITPRINTHCompObjWqObjInfoY{ #  - !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="12" VALUE="correct">DefaultOcxName40{ #  - !- !   .- !OCXDATAZlOCXNAME\$_1261566138U\g >OIT QITPRINT] =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAMECompObjlqObjInfonOCXDATAohOCXNAMEq$="12" VALUE="wrong">DefaultOcxName41{ #  - !- !   .- ! =@ ( 4xx#@ ( _1261566137U\g QITjVITPRINTrCompObjqObjInfo@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="13" VALUE="wrong">DefaultOcxName42{ #  OCXDATAhOCXNAME$_1261566136U\gjVITXITPRINT- !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19qCompObj qObjInfoOCXDATA  hOCXNAME$2U\g<INPUT TYPE="radio" NAME="13" VALUE="wrong">DefaultOcxName43{ #  - !- !   .- ! =@ ( 4_1261566135U\gXIT%[ITPRINTCompObj qObjInfoxx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="13" VALUE="wrong">OCXDATAhOCXNAME$_1261566134 U\g%[IT]ITPRINTDefaultOcxName44{ #  - !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@'CompObjqObjInfoOCXDATAlOCXNAME$ U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="13" VALUE="correct">DefaultOcxName45{ #  - !- ! _1261566133U\g]IT]ITPRINTCompObjqObjInfo  .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2OCXDATAhOCXNAME$_12615661326 U\g]IT_ITPRINTU\g<INPUT TYPE="radio" NAME="14" VALUE="wrong">DefaultOcxName46{ #  - !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="14" VALUE="wrong">DefaultOcxName47CompObj"qObjInfoOCXDATA!#hOCXNAME$_1261566131&U\g_ITPbITPRINTCompObj%(qObjInfo{ #  - !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded      !"#$%&'(*-0123456789:;<=?BEFGHIJKLMNOPQRTWZ[\]^_`abcdefgilopqrstuvwxyz{|~ ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="14" VALUE="correct">DefaultOcxName48{ #  - !- !   .- !OCXDATA')lOCXNAME$_12615661300$,U\gPbITdITPRINT =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAMECompObj+.qObjInfoOCXDATA-/hOCXNAME$="14" VALUE="wrong">DefaultOcxName49{ #  - !- !   .- ! =@ ( 4xx#@ ( _12615661292U\gdIT gITPRINTCompObj14)qObjInfo+@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="15" VALUE="wrong">DefaultOcxName50{ #  OCXDATA35,hOCXNAME.$_1261566128B*8U\g gIT|iITPRINT/- !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19qCompObj7:>qObjInfo@OCXDATA9;AlOCXNAMEC$2U\g<INPUT TYPE="radio" NAME="15" VALUE="correct">DefaultOcxName51{ #  - !- !   .- ! =@ ( 4_1261566127>U\g|iITkITPRINTDCompObj=@SqObjInfoUxx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="16" VALUE="correct">OCXDATA?AVlOCXNAMEX$_1261566126N<DU\gkIT7nITPRINTYDefaultOcxName52{ #  - !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@'CompObjCFhqObjInfojOCXDATAEGkhOCXNAMEm$ U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="16" VALUE="wrong">DefaultOcxName53{ #  - !- ! _1261566125JU\g7nITШpITPRINTnCompObjIL}qObjInfo  .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2OCXDATAKMlOCXNAME$_1261566124THPU\gШpITrITPRINTU\g<INPUT TYPE="radio" NAME="17" VALUE="correct">DefaultOcxName54{ #  - !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="17" VALUE="wrong">DefaultOcxName55CompObjORqObjInfoOCXDATAQShOCXNAME$_1261566123ZVU\grITrITPRINTCompObjUXqObjInfo{ #  - !- !   .- ! =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAME="18" VALUE="correct">DefaultOcxName56{ #  - !- !   .- !OCXDATAWYlOCXNAME$_1261566122\U\grITcuITPRINT =@ ( 4xx#@ ( @@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@@' U\gForms.HTML:Option.1Embedded ControlForms.HTML:Option.19q2U\g<INPUT TYPE="radio" NAMECompObj[^qObjInfoOCXDATA]_hOCXNAME$="18" VALUE="wrong">DefaultOcxName57Oh+'0t  0 < HT\dlReview for Personal FinanceeviWCSCSCSNormalfWCS2SMicrosoft Word 10.0@F#@BT@B{3Dd hb 2 c $A? ?3"`?2K߰ꗀ3]g':LC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb 1 c $A? ?3"`? 2K߰ꗀ3]g':MC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb 0 c $A? ?3"`? 2K߰ꗀ3]g':NC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb / c $A? ?3"`? 2K߰ꗀ3]g':OC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb . c $A? ?3"`? 2K߰ꗀ3]g':PC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb - c $A? ?3"`? 2K߰ꗀ3]g':QC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb , c $A? ?3"`?2K߰ꗀ3]g':RC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb + c $A? ?3"`?2K߰ꗀ3]g':SC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb * c $A? ?3"`?2K߰ꗀ3]g':T C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb ) c $A? ?3"`?2K߰ꗀ3]g':U"C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb ( c $A? ?3"`?2K߰ꗀ3]g':V$C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb ' c $A? ?3"`?2K߰ꗀ3]g':W&C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb & c $A? ?3"`?2K߰ꗀ3]g':X(C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb % c $A? ?3"`?2K߰ꗀ3]g':Y*C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb $ c $A? ?3"`?2K߰ꗀ3]g':Z,C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb # c $A? ?3"`?2K߰ꗀ3]g':[.C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb " c $A? ?3"`?2K߰ꗀ3]g':\0C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb ! c $A? ?3"`?2K߰ꗀ3]g':]2C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb   c $A? ?3"`?2K߰ꗀ3]g':^4C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?2K߰ꗀ3]g':_6C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?2K߰ꗀ3]g':`8C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?2K߰ꗀ3]g':a:C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?2K߰ꗀ3]g':b<C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?2K߰ꗀ3]g':c>C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`? 2K߰ꗀ3]g':d@C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?!2K߰ꗀ3]g':eBC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?"2K߰ꗀ3]g':fDC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?#2K߰ꗀ3]g':gFC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?$2K߰ꗀ3]g':hHC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?%2K߰ꗀ3]g':iJC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?&2K߰ꗀ3]g':jLC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?'2K߰ꗀ3]g':kNC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?(2K߰ꗀ3]g':lPC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?)2K߰ꗀ3]g':mRC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?*2K߰ꗀ3]g':nTC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?+2K߰ꗀ3]g':oVC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb  c $A? ?3"`?,2K߰ꗀ3]g':pXC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb   c $A? ?3"`?-2K߰ꗀ3]g':qZC`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb   c $A? ?3"`?.2K߰ꗀ3]g':r\C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb   c $A? ?3"`?/2K߰ꗀ3]g':s^C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb   c $A? ?3"`?02K߰ꗀ3]g':t`C`!߰ꗀ3]g|xŒ0+1$F㠋N&},Nr2>O`L]XW~z!@3!_JQJ1BjOXkgrS!$* 롷(RSԊ"So{f.Βa Ț<5Q}aSW~m|)Nm)s*(sZk }S‚"s_ŔR?{N{3Dd hb   c $A? 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