Adam and Betsy have both applied for loans from a bank. Adam is seeking to borrow $3,000, and the bank has identified him as a high credit risk. Betsy wishes to borrow $5,000, and the bank has deemed her a low credit risk. Based on this information, which outcome is MOST LIKELY? *

a.Adam's loan will have a higher interest rate than Betsy's because he is more likely to default on the loan.
b.a high credit risk means a high credit score means Adam will get the loan
c.since Betsy wants more her interest rate will be higher
d.a low credit risk means any loan for Betsy

Answers

Answer 1

Answer:

It's a

Explanation:

I have the same question but a is the only answer choice we both have

Answer 2

The correct option is a.Adam's loan will have a higher interest rate than Betsy's because he is more likely to default on the loan.

What is a Credit risk?

Credit risk is the possibility of a loss resulting from a borrower's failure to repay a loan or meet contractual obligations. Traditionally, it refers to the risk that a lender may not receive the owed principal and interest, which results in an interruption of cash flows and increased costs for collection.

What are the 3 types of credit risk?Credit spread risk: Credit spread risk is typically caused by the changeability between interest rates and the risk-free return rate. Default Risk: When borrowers are unable to make contractual payments, default risk can occur. Downgrade Risk: Risk ratings of issuers can be downgraded, thus resulting in downgrade risk.

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Related Questions

Fourteen-year-old Kevin frequently watches violent television programs. According to research reviewed in your text, this will most likely lead him to:

Answers

Answer:

become more fearful of being personally assaulted

Explanation:

Will drive him to want to become violent like the shows or experience the same situation

Internet polling methods are problematic because they have a high likelihood of what type of error?​

Answers

Answer:

Self-selection bias

Explanation:

Due to many influences of automated learning technology we have today, Self-selection bias becomes a process which frankly chooses its desired audience.

why does earth spin eastward on its axis use your own words

Answers

Answer: Hope this helps ^_^ Diamond is the name

In rotational axis

Explanation:

Precession is a rotation of Earth's rotation axis, caused primarily by external torques from the gravity of the Sun, Moon and other bodies. The polar motion is primarily due to free core nutation and the Chandler wobble.

Review the map.



Which soil region is labeled B on the map?

Black Prairie
Flatwoods
Pontotoc Ridge
Tombigbee Hills

Answers

Where is the map??? I can help if you show that

what was the most direct air mail delivery route across the country from new york city to san Francisco

Answers

Answer:

The first regularly scheduled airmail route connected New York and Washington, D.C., via

Philadelphia, from May 15, 1918, to May 31, 1921. The Post Office Department operated the

218-mile route to demonstrate that mail transportation by airplane was possible on a regular

schedule in all kinds of weather.

what is the best religion of the world?​

Answers

Answer:

There is technically no "best" religion.

Explanation:

It is impossible to find the "best" religion, but the most widespread and most common religion is Christianity.

Well, if this is a just a question out of curiosity, in my opinion, there is no "perfect religion." We all have our beliefs, and those don't affect us as a person unless you use religion against someone. I, personally, am not religious, I'm an atheist, but I support all beliefs as long as they aren't harming anybody.

If this is a question for school, then, I have no idea what the answer is.

What are some reasons candidates participate in a debate?

Answers

Well I could be wrong but there could many reasons and the main one that I can think of is to give their political opinions/views on the topic given

Ethnographers are focusing more explicitly now on the importance of the individual in bringing about change. This is called individual __________.

Answers

Answer:

agency

Explanation:

Agency is referred to as an individual's ability to influence his or her functioning & the specific course of events by his or her actions.

Individual agency: The term "individual agency" is described as a process in which an individual tends to act or work on his or her behalf. An individual agency consists of a specific amount of resources and capabilities that result in some people having greater power or agency as compared to others.

In the question above, the given statement represents "individual agency".

gilgamesh may be the world's famous Sumerian leader because he​

Answers

Answer:

...

Explanation:

had his adventures written in long poems.


Job search manuals like Parachute can help you find a company you want to work for
by

Answers

Answer:

nice i will use this in 14-16 years

Lesson 6 unit test
16. How did jazz impact Indiana culture ?
17. How did industrialization impact the women suffrage movement in Indiana
18. Why did some Hoosiers join the Ku Klux Klan during the 1920s
I’m on connexus please help I will give 80 Brainly points

Answers

Answer:

it impacted because it allowed a new type of culture into the country

do we only choose one or all of them?

Explanation:

•How important were these laws to the American Colonists' break from
Great Britain?

Answers

Answer:

?

Explanation:

Is the following statement true or false? Tulving made a distinction between availability and accessibility of information to explain forgetting; he conceptualized forgetting as unavailability of information A. True B. False

Answers

Answer:

A. True

Explanation:

In 1974, Tulving defined forgetfulness as an intrinsic inability of the human being to remember something in the present moment because of information that is momentarily, or definitely, unavailable in the brain. However, he affirms that this unavailability can be reversed at any moment, making the forgetfulness stop and the person remembers what he had forgotten.

When demographers find in a population that there are
more births than deaths the result is called:
Select one:
a. natural increase
b. natural growth
c. natural expansion
d. none of the above

Answers

=

a. natural increase

Lystrosaurus provided which type of evidence supporting continental drift?

land features
fossil evidence
glacial evidence
climate change evidence

Answers

Answer:

Lystrosaurus provided genetic evidence to support the continental drift.

Explanation:

it was found that there was similar type of genetic characteristics of animals living in different parts of the world. As a result of this there has been similar type of evolution of such creatures. However due to the drift of the continent there has been distributed in different parts of the modern geographical continent.

The same is true for listrosaurus which was having similar gene with different other organisms on different parts of the world

Explanation:

hope this helps :)

Lystrosaurus provided fossil evidence supporting continental drift. It learns exceptionally quickly, gaining experience far faster than most other species. The correct option is B.

What is Lystrosaurus in plate tectonics?

In the early Triassic, some 250 million years ago, Lystrosaurus, which is Latin for "shovel reptile," ruled the land. It had a stocky build like a pig, and it is believed to have been herbivorous. It grew to a length of around one meter. Only Antarctica, India, and South Africa are known to have Lystrosaurus fossils.

After numerous Lystrosaurus fossils were found in Antarctica and southern Africa, demonstrating that the two land masses were once connected, Wegener's theory of continental drift was finally accepted posthumously in the 1950s.

Thus, the ideal selection is option B.

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What was the major change caused by the agricultural revoluton?
Your answer:
o increase of spoke languages
o development of permanent settlements
o end of hunting
o elimination of trade

Answers

development of permanent settlements, they were hunters and gatherers before which made them travel often

i need help please
why isnt scince a subject up here

Answers

I THINK THE ANSWER IS OPTION D THAT IS OVULE & POLLEN

Answer:

ovule and pollen

Explanation:science should be a subject her tbh i use chemistry instead.Hope i helped<3

Please explain the 12 table of Roman Law. I rly would appreciate the help rn. Thx

Answers

Answer: The Twelve Tables (aka Law of the Twelve Tables) was a set of laws inscribed on 12 bronze tablets created in ancient Rome in 451 and 450 BCE. They were the beginning of a new approach to laws where they would be passed by government and written down so that all citizens might be treated equally before them.

(Just use google lol)

What role did Confucianism play in the civil service?
O A Only nobles were allowed to apply for the civil service.
O B. Exams were based on the ideas of Confucius.
O C. Civil service exams were open to both men and women.
OD. Only Confucian priests were allowed to enter the civil service,
oh

Answers

Answer:

B. Exams were based on the ideas of Confucius

Explanation:

The civil service examination system was squarely based upon the Confucian classics and upon recognized commentaries on those classics.

Hope this helped, Have a Great Day!!

I got a F I can't bring my grade up. I'm dying inside

Answers

Lol I’m sorry :( you can do itt!!

Answer:

You only get an F if you don't try, and if you don't try your best. Giving up has never helped anyone and nether will it help you. This is a moment where you can go back and look over your work, see what went wrong, and build your self upon that. Getting an A is not a big deal it is just a letter that compares to what you have done and your progress. But an F is no exception. F means failure and there are no failures in life only the ones who don't do and don't try. There is more than one way out of things. If you can't find a door to get out find a window, if you can't find a window, find your self.

Explanation:

“Discouragement and failure are two of the surest stepping stones to success.” – Dale Carnegie

“Do not let what you cannot do interfere with what you can do.” – John Wooden

“Nothing splendid has ever been achieved except by those who dared believe that something inside of them was superior to circumstance.” – Bruce Barton

“Focus on the journey, not the destination. Joy is found not in finishing an activity but in doing it.” – Greg Anderson

“If there is no struggle, there is no progress.“ – Frederick Douglass

5. Article I, Section 10, of the Constitution prohibits states from​

Answers

Answer:

what is your question?

This section of the Constitution prohibits states from requiring out-of-state drivers to drive at a lower speed limit. When the Constitution was written, the states acted much more as separate entities. Article IV focuses on how to bring these different entities together. Section 2 ensures that citizens will not be discriminated between different states. While they are allowed to show some differences (different prices for a fishing license) they cannot withhold privileges or punish non-residents.

Beginning in the 1800s, the British government appointed viceroys in India to
represent the interests of the crown.
O command a private company army.
O set up trade posts and textile factories.
O oppose the government known as the raj.

Answers

Answer:

A) represent the interests of the crown.

Explanation:

Have a good day and good luck on the test:)

The correct option is A. Beginning in the 1800s, the British government appointed viceroys in India to represent the interests of the crown.

The viceroy, who was chosen to represent the interests of the crown, was another institution created by the British Empire. The very first Viceroy of India was Lord Canning. His term was four years long, from 1858 to 1862.

What was the role of the Viceroy in India?

After 1858, the governor-general, now more commonly referred to as the viceroy, served as both India's chief administrator and a representative of the sovereign. There were various provinces in India, each with a governor, lieutenant governor, chief commissioner, or administrator as their leader.

The viceroy, who was chosen to represent the interests of the crown, was another institution created by the British Empire. Bengal and Punjab, two regions of India, were directly under the rule of the British Empire. An Indian prince ruled over other regions known as princely states, including Baluchistan, Kashmir, and Bhutan.

Thus, The option A is the ideal selection. Viceroys were selected by the British government to promote the interests of the crown in India starting in the 1800s.

Learn more about Viceroys here:

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How can political parties divide a nation?

Answers

Answer:the vast and growing gap between liberals and conservatives, Republicans and Democrats – is a defining feature of American politics today, and one the Pew Research Center has documented for many years.

Explanation just look it up

1.1 Give an example of own:
(a) strengths
(b) qualities
(c) skills
(d) abilities
1.2 Identify an area of weakness
1.3 State why the weakness
needs to be improved

Answers

Answer:

abilities

Explanation:

QUESTION 43
An ascribed status is a social position:
attained by a person largely through his or her own effort
attained by a person through birth
based solely on income and wealth
O based solely on lifestyle
QUESTION 44

Answers

Answer:

Attained by a person through birth

Explanation:

The term ascribed status is used in sociology to describe an assigned social position - a position that wasn't earned or chosen. A person is assigned this type of status at birth or involuntarily later in life. For example, a person can't choose their gender or race. It's something they're born with and can't change.

The opposite of this is an achieved status - a social position a person takes on voluntarily that reflects their ability and merit. A person can choose what they're going to be in life, e.g. be a writer or a lawyer.

Brainlist if u Answer!!! What is it like to be a Roman Slave? 4-5 sentences Plz
Thank You!!!

Answers

Slavery in ancient Rome played an important role in society and the economy. Besides manual labor, slaves performed many domestic services, and might be employed at highly skilled jobs and professions. Accountants and physicians were often slaves. Slaves of Greek origin in particular might be highly educated. The feeling of serving others is not the best.

Answer:

Very Hard.

Explanation:

Being a Roman slave would be very bad and harsh. They are beaten with harmful tools such as whips. Their owners would sometimes even beat them for fun. Owners could kill the slaves for anything.  Slaves were mistreated badly and had no respect given to them, although they gave respect to others. If they showed even the slightest bit of no respect to others and showed hate to anyone they could have been killed right on the spot.

Shondra takes notes in class.

I. Electromagnetic Waves
II. The ability to work
- Has many forms
- Mechanical
III. Potential energy
- Chemical
- Elastic
- Gravitational
Kinetic energy
- Energy of movement
- Electrical
IV. Nuclear
- Radiant
- Thermal

One line of Shondra’s notes is irrelevant to the rest of her notes. Which line is about a different topic than the rest of Shondra’s notes?

I
II
III
IV

Answers

Answer

A. I

Explanation:

got it right on the quiz. edge2021

Answer:

a

Explanation:

edg2o2o

Is Canada a unlimited or limited government?​

Answers

Answer:

Canada is a limited government.

The Canadian Constitution provides rights and government checks in the exact same manner as the American constitution

Explanation:

Hope this helps!

if so please mark brainlist!!

thx

What type of topography do people tend to settle?

Answers

People tend to settle near bodies of water such as oceans, rivers, and lakes for easy access to large amounts of water

What is the term used to describe positive behaviors that do not directly contribute to the bottom line?

Answers

Answer:

The pattern of actions by the members of an organization that directly or indirectly influences the organization's effectiveness.

Explanation:

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