In which stage of the butterfly's life cycle do most of the changes of metamorphosis
happen?
A. Pupa
B. Adult
O C. Larva
Plz help

Answers

Answer 1

Answer:

pupa

Explanation:

because thats when it is in the cocoon?

Answer 2

Answer: A. Pupa

Explanation:

:)


Related Questions

which is not a type of issue-based persuasion? question 1 options: questions of policy questions of purpose questions of value questions of fact

Answers

Questions of fact are not a type of issue-based persuasion. Option d is correct.

Fact-based persuasion is a type of persuasive communication that uses objective evidence to support a claim or argument. Persuasion is the process of convincing someone to change their attitude or behavior. Issue-based persuasion involves persuading someone to support a particular position or take a specific action on an issue or topic.

Questions of fact are not a type of issue-based persuasion because they deal with verifiable information that can be supported by evidence and do not require persuasion. Questions of fact are objective and can be proven or disproven with evidence. For example, “What is the capital of France?” or “What year did World War II end?” are questions of fact that do not require persuasion.

Therefore, d is correct.

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Good evening everyone ....

Who is the father of education

Take time as long as you want but please answer me​

Answers

Answer:

Horace Mann (May 4, 1796 – August 2, 1859) was an American educational reformer and Whig politician known for his commitment to promoting public education

Explanation:

Answer:

The answer is Horace Mann

100 PONITS!!!!!!! PLZZ

What are the best ways to support a political party? Check all that apply.

campaigning for candidates
allocating your taxes to that party
writing letters of support
raising campaign funds
volunteer for an opposing party

Answers

Hey! The answers are:
campaigning for candidates
writing letters of support
raising campaign funds

Answer:

campaigning for candidates

writing letters of support

raising campaign funds

Explanation:

What most contributed to President Truman's decision to drop an atomic
bomb on both Hiroshima and Nagasaki? *
To limit the expected millions of losses of life.
He wanted to show the German Nazi's a lesson.
To remove the Japanese Monarchy
They built 2 so they had to drop both of them.

Answers

Answer:

prevent causualties

Explanation:

Which of the following statements about agenda setting theory is false? a. The media establish an agenda and do not simply reflect reality, Rather, the media actively filter reality for the public b. The theory describes "real-world indicators" as events or phenomena that are actually occurring in the world, such as a high number of children dying from contaminated water. Real-world indicators can directly influence the media, public, and policy agendas. c. A study by McCombs and Shaw (1972) of undecided voters in North Carolina found only weak to moderately strong correlations between the media's agenda and the public's agenda. d. The theory allows for the public and policymakers to influence the media's agenda.

Answers

The false statement about agenda setting theory is: c. A study by McCombs and Shaw (1972) of undecided voters in North Carolina found only weak to moderately strong correlations between the media's agenda and the public's agenda.

In reality, the study conducted by McCombs and Shaw (1972) actually supported the agenda setting theory by showing a strong correlation between the media's agenda and the public's agenda. The study found that the media had a significant influence on the issues that the public considered important and that the media's agenda had a direct impact on the public's agenda.

This finding provided empirical evidence for the agenda setting theory, demonstrating the power of the media in shaping public opinion and determining which issues receive attention and importance.

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QUESTION 1

a. What did you do for
Spring Break ?

b. What is a perfect spring break in your eyes? If you could go anywhere and do anything, what would that be ??

COMPLETE SENTENCES!!

Answers

For spring I went to a picnic with my friends.
A perfect spring break in eye is that having fun with your friends and taking your time don’t worry about school so much and enjoy your spring break:D
The answer is B I know this because I took the quiz and went back to look at all my correct answers and this was 1 of them

_____ is generally limited in scope and duration because it is intended to supplement or complement efforts of civil authorities or agencies with the primary responsibility for providing assistance.

Answers

The term that is generally limited in scope and duration because it is intended to supplement or complement efforts of civil authorities or agencies with the primary responsibility for providing assistance is called "Military Assistance to Civil Authorities" or MACA.

What is Military Assistance to Civil Authorities (MACA)?MACA, or Military Assistance to Civil Authorities, is the assistance given by the military forces to civil authorities or agencies with the primary responsibility for providing assistance. The purpose of Military Assistance to Civil Authorities (MACA) is to supplement or complement the efforts of civil authorities or agencies. MACA is generally limited in scope and duration. In the United States, MACA is a form of military assistance and is authorized by the Secretary of Defense (SECDEF).

Military assistance is designed to help civilian officials cope with any crisis, emergency, or disaster. Military assistance can be used in the event of a natural disaster, such as a hurricane, earthquake, or flood. Military assistance can also be provided in response to a terrorist attack or other national emergency.

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1. describe the main characteristics of this organization’s culture. provide examples to support your answer. as part of your answer, explain how tracy lawrence’s leadership helped shape the culture.

Answers

The organization’s culture is the unique set of beliefs, values, and practices that shape how work gets done within the organization. Tracy Lawrence’s leadership was a crucial factor in shaping the culture of the organization.

Main characteristics of this organization’s culture:

There are various characteristics of organizational culture. Here are some of the main characteristics of this organization’s culture:

1. Clear communication: The organization has a culture of open and transparent communication, which promotes collaboration and fosters innovation.

2. Emphasis on learning and development: The organization places a high value on learning and development, providing employees with training and development opportunities to enhance their skills and knowledge.

3. Respect and trust: The organization values respect and trust, which is reflected in the way employees interact with each other.

4. Diversity and inclusion: The organization is committed to diversity and inclusion, and promotes a workplace that is free from discrimination and bias.

5. Work-life balance: The organization values work-life balance, providing employees with flexible work arrangements to help them manage their work and personal responsibilities.

6. Customer focus: The organization places a high emphasis on meeting the needs of its customers, and focuses on delivering high-quality products and services.

Examples to support your answer:
Here are some examples that illustrate the characteristics of this organization’s culture:
1. Clear communication: The organization holds regular meetings to ensure that all employees are informed about important updates and changes.

2. Emphasis on learning and development: The organization provides employees with opportunities to attend conferences and training sessions to enhance their skills and knowledge.

3. Respect and trust: The organization encourages employees to share their opinions and ideas, and takes them into account when making decisions.

4. Diversity and inclusion: The organization has a diversity and inclusion committee that ensures that the workplace is free from discrimination and bias.

5. Work-life balance: The organization provides employees with flexible work arrangements, such as telecommuting and flexible schedules, to help them manage their work and personal responsibilities.

6. Customer focus: The organization conducts regular surveys to gather feedback from customers, and uses the information to improve its products and services.

How Tracy Lawrence’s leadership helped shape the culture:
Tracy Lawrence’s leadership was a crucial factor in shaping the culture of the organization. Here are some ways in which her leadership helped shape the culture:

1. Leading by example: Tracy Lawrence led by example, setting the tone for the rest of the organization to follow.

2. Empowering employees: Tracy Lawrence empowered employees, giving them the freedom and flexibility to make decisions and take risks.

3. Fostering collaboration: Tracy Lawrence fostered a culture of collaboration, encouraging employees to work together to achieve common goals.

4. Creating a sense of purpose: Tracy Lawrence created a sense of purpose, helping employees understand how their work contributed to the overall success of the organization.

5. Encouraging innovation: Tracy Lawrence encouraged innovation, creating an environment where employees were free to experiment and come up with new ideas.

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Which powder will rise more bicarbonate soda,baking powder or cream of tartar?

Answers

Answer:

Bicarbonate soda

Explanation:

How would Apollo treat mortals and why?

Answers

Answer: Apollo gave some mortals the gift of prophecy, or the ability to see the future.

Explanation:

How did the Yom Kippur War last?

Answers

It lasted to October 25, 1973

1.2 Why did President Washington refuse to support either of the political parties?

Answers

Answer:

Explanation:

He argues that every government has recognized political parties as an enemy and has sought to repress them because of their tendency to seek more power than other groups and to take revenge on .

Washington recognizes that it is natural for people to organize and operate within groups such as political parties, but he also argues that every government has recognized political parties as an enemy and has sought to repress them because of their tendency to seek

Which statement best completes the diagram? culture of western africa

A.
Half the population lives in cities.

B.
Most people live as traveling herders.

C.
Very few people live in poverty.

D.
There are no large urban centers.


40 POINTSS

Answers

D.) that there are no large urban centers

If an individual wanted to give more money to a campaign then he was allowed to directly, how would he do so?

A. He could give money to a Political action committee(PAC)
B.He could give his money to an interest group
C.He could give his money to an issue advocacy group
D.He could give the money through a direct mail contribution

Answers

Answer:

If I remember correctly, it's A. He could give money to a Political Action Committee (PAC)

The answer is A. He could give money to a political action committee

How has bank made our lives easier?Explain.

Answers

Explanation:

Giving loans. Help in storing money. Helping us buy things in installments. Giving credit and debit cards of different credibility

which of the following is used to begin a routine request when using the direct approach?

Answers

The correct way to begin a routine request when using the direct approach is present a straightforward question. The correct option is C. This approach immediately engages the recipient, communicates the purpose of the request, and saves time by eliminating unnecessary background information.

When using the direct approach to begin a routine request, one of the most effective strategies is to present a straightforward question.

Option C, "Present a straightforward question," is the appropriate choice.

This approach focuses on getting straight to the point and clearly articulating the request.

By starting with a straightforward question, you immediately engage the recipient and communicate the purpose of your request.

This approach saves time and eliminates unnecessary background information that might distract from the main objective. It also shows respect for the recipient's time by cutting to the chase and allowing them to quickly assess the request.

While the other options (A, B, D, E, F, and G) are important elements that can be included in a routine request, they are not specifically used to begin the request when using the direct approach.

These elements may be incorporated after the initial straightforward question to provide additional context, explain the purpose in more detail, or highlight the desired outcome.

In summary, when using the direct approach, starting with a straightforward question is the recommended way to begin a routine request.

This approach immediately captures the recipient's attention and sets the tone for a concise and efficient communication exchange.

Hence, the correct option is C: Present a straightforward question.

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Complete question:

A: State the purpose of the request.

B: Provide a brief background/context.

C: Present a straightforward question.

D: Highlight the urgency of the request.

E: State the desired outcome.

F: Emphasize the recipient's expertise or authority.

G: Reference a previous interaction or event.

The country that people are most likely to consider an example of socialism is (a) Canada (b) Norway (c) Cuba (d) North Korea.

Answers

Answer:

B

Explanation:

I live in Canada. I would say that you could argue that it is close to being a socialist country -- especially our health care system and pretty much universal education.

I think however, the answer you want is Norway.

Cuba is a communist country and North Korea is even more communist.

outline how the dmaic process might be used to improve a process in a school or university. what data or information might be difficult to obtain? why?

Answers

DMAIC stands for Define, Measure, Analyze, Improve, and Control.

It is a data-driven and structured problem-solving approach aimed at identifying, quantifying, and eliminating defects or problems in a given process, product, or service. It is widely used in Six Sigma methodology.

The DMAIC process can be used in a school or university to improve processes such as enrollment, registration, admissions, grading, and course evaluations.

Here are the steps:

1. Define the problem or opportunityThe first step in the DMAIC process is to define the problem or opportunity that needs improvement. For example, the problem could be that the enrollment process takes too long, leading to student frustration and delayed registration.

2. Measure the current processThe second step is to measure the current process to establish a baseline and identify the key process variables (KPVs) that affect the outcome. For example, the KPVs for the enrollment process could be the number of forms required, the time it takes to complete the forms, and the turnaround time for processing the forms.

3. Analyze the dataThe third step is to analyze the data to identify the root cause of the problem or opportunity. This may involve using tools such as Pareto charts, cause-and-effect diagrams, and statistical analysis to identify the most significant factors contributing to the problem. For example, the analysis may reveal that the forms are too complex and require too much information, leading to errors and delays.

4. Improve the processThe fourth step is to improve the process by implementing solutions that address the root cause(s) of the problem or opportunity. This may involve simplifying the forms, providing online access, or automating the process. The goal is to reduce cycle time, improve quality, and increase customer satisfaction.

5. Control the processThe final step is to control the process by implementing a monitoring and feedback system to ensure that the improvements are sustained and further opportunities for improvement are identified. This may involve establishing performance metrics, providing training and support, and conducting regular reviews to ensure that the process is working effectively.

Data or information that might be difficult to obtain in a school or university could include student feedback, historical data, and financial records. Student feedback may be difficult to obtain if students are reluctant to provide feedback or if the feedback is negative. Historical data may be difficult to obtain if it is stored in disparate systems or if the data is outdated. Financial records may be difficult to obtain if they are subject to privacy regulations or if the records are incomplete or inaccurate. In addition, data quality may be an issue if the data is incomplete, inconsistent, or unreliable. It is important to ensure that the data is accurate, reliable, and relevant to the problem or opportunity being addressed.

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Which of the following is an example of investment?
A. a person money adding money to his retirement fund
B. the purchase of pill counting machines by Walgreens
C. a person investing $250 a month in the stock market

Answers

Answer:

c

Explanation:

I say this is an investment because your giving money for a good cause ,but your also benefiting from it. so this is an investment

A perfect example of investment is where a person invests $250 every month into the stock market. Hence, the correct answer is C.

What are the various types of investment?

The following are examples of types of investment:

OptionsBank ProductsBondsOptions etc.

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The _____ of close relationships asserts that the partners in a relationship keep a mental balance sheet, tallying the pluses and minuses associated with each other

Answers

The social exchange theory of close relationships asserts that the partners in a relationship keep a mental balance sheet, tallying the pluses and minuses associated with each other.

Social exchange theory is a social psychological and sociological concept that assumes people's social behavior and relationship decisions are a result of cost-benefit analyses and comparison to available alternatives. It is based on the concept of self-interest and individuals' assessment of the rewards and costs associated with social interactions and relationships.

What is social exchange theory? Social exchange theory is a social psychological and sociological concept that assumes people's social behavior and relationship decisions are a result of cost-benefit analyses and comparison to available alternatives. It is based on the concept of self-interest and individuals' assessment of the rewards and costs associated with social interactions and relationships.

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How long did the flag of 1956 remain the state flag?

Answers

Answer:

45 years

Explanation:

well, the flag was state flag from 1956 - 2001.

simple math when you just subtract. but once you do that you know the flag was state flag for 45 years

it lasted 45 years, At the 1993 legislative session, Governor Zell Miller placed the weight of his office behind a return to the pre-1956 flag. Support for the Confederate battle emblem—particularly outside Atlanta—was stronger than he had anticipated, however. The issue almost cost Miller his reelection the next year, and he abandoned the fight during his second administration. As the 1996 Olympic Games approached, Atlanta city and business leaders tried hard to persuade the General Assembly to change the state flag—but without success.

The reading says that the relative ease with which entrepreneurs can enter and leave markets is a benefit of the free enterprise system of the United States. Could the same statement be made about a country with a command economy? Why or why not? What implications does that have for the law of supply in that country?

Answers

The correct answer to this open question is the following.

Unfortunately, you forgot to include the reading. There is no reading here, no text, excerpt, or a link to it.

However, although you forgot to attach the reading, we can help you commenting an idea based on our knowledge of the topic.

It is correct to say that it is relatively easy that entrepreneurs can enter and leave markets in a free enterprise system of the United States.  Indeed it is one of its advantages.

However, the same affirmation cannot be applied to a country with a command economy because in a command economy the conditions are in total opposition to a free-market economy where individuals promote capitalist ideas to invest money and create companies in order to be rich.

In a command economy, it is the state the one that owns the means of production. The central government decides the kind of products to be produced, the price of the products, how to produce the goods, and the amount that is going to be produced.

The implications that this has for the law of supply in that country is that it cannot be considered because the law of supply/demand is only valid in a free market economy, not in a command economy.

How did Franklin D. Roosevelt handle the banking crisis of the Great Depression? He turned control of the Fed over to Congress, which then created the FDIC to oversee the banking system. He closed all banks for four days so their viability could be checked by government officials and so the public’s confidence in the banks could be restored. He established the Federal Reserve System, which gave the country a strong central bank capable of weathering financial storms. He commanded the Treasury Department to forgive the debts of borrowers whose savings had been depleted because of the financial crisis.

Answers

Answer:

CORRECT ANSWER: Following his inauguration on March 4, 1933, President Franklin Roosevelt set out to rebuild confidence in the nation's banking system and to stabilize America's banking system. On March 6 he declared a four-day national banking holiday that kept all banks shut until Congress could act.

Franklin D. Roosevelt established the Federal Reserve System, which gave the country a strong central bank capable of weathering financial storms. Thus, option C is correct.

Who is Franklin D. Roosevelt?

Franklin Delano Roosevelt, normally known as FDR, was an American legislator and political pioneer who filled in as the president

Following his introduction on Walk 4, 1933, President Franklin Roosevelt set off to revamp trust in the country's financial framework and to balance out America's financial framework.

On Walk, he proclaimed a four-day public financial occasion that kept all banks shut until Congress could act. The Roosevelt Organization was a period of incredible development of the National Government, including the arrangement of new Branches of Business and Work.

Therefore, option C is correct.

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What services are provided by state programs?​

Answers

Answer:

Medical care or financial assistance for medical care, health insurance, prescription assistance, medical supplies, medical equipment, disease screening, respite care, or others.

What did historian Tom Garner find in the Pensacola Bay area? Bead earrings Deer hides Piece of a jar from a Spanish colony Journals from early explorers

Answers

Piece of a jar is that better

duh i mean if this is history then don't you think it is about people against people like really

which societies have a migrating food supply? pastoral societies hunting and gathering societies fishing societies horticultural societies

Answers

The societies that have a migrating food supply are pastoral societies. Option a is correct.

Pastoral societies rely on the herding and raising of animals as their primary food source. These societies typically move their livestock to different grazing areas as a way to ensure a steady food supply for their community. The movement of the animals allows them to access fresh grazing lands and maintain the health and growth of their herds.

In contrast, hunting and gathering societies rely on hunting wild game and gathering wild plant resources, fishing societies depend on fishing as a food source, and horticultural societies cultivate crops in a fixed location rather than relying on migrating food sources.

Therefore, a is correct.

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martinique is considered: an overseas department of france a french colony an african territory occupied by france a second france

Answers

Martinique is considered an overseas department of France. Martinique is an island nation in the Caribbean Sea.

It is a region of France that is situated in the Lesser Antilles' eastern Caribbean Sea and is made up of a single island. Martinique is located in the Caribbean Sea, north of Trinidad and Tobago and south of Dominica. Martinique is a French overseas department, and its official language is French.Martinique is regarded as an overseas department of France. It is an island in the Caribbean Sea and is classified as a region of France.

The culture, cuisine, language, and overall way of life on the island reflect French influence. It is therefore clear that Martinique is a part of France, and this fact is reflected in its official status as an overseas department.

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do you think the compromise of 1850 was more fair to pro-slavery or anti-slavery?

Answers

Answer:

Permitted slavery in Washington, D.C., but outlawed the slave trade.

Explanation:

What makes up the biodiversity of the Amazon rain forest?

Answers

What makes up the biodiversity of the Amazon Rain Forest?

Answer:

"Over 3 million species live in the rainforest, and over 2,500 tree species (or one-third of all tropical trees that exist on earth) help to create and sustain this vibrant ecosystem." Also, "because rainforests are located in tropical regions, they receive a lot of sunlight. . .Since there is a lot of sunlight, there is a lot of energy in the rainforest. This energy is stored in plant vegetation, which is eaten by animals. The abundance of energy supports an abundance of plant and animal species."

Fritz is conducting a survey that addresses several complex social justice issues and
he knows that some respondents will likely need clarifications. His best choice for
methodology is a(n) ____.
group questionnaire
phone interview

Answers

Fritz's best choice for methodology, given the need for clarifications in a survey addressing complex social justice issues, would be a phone interview.

A phone interview allows for direct communication between the researcher and the respondents, providing an opportunity for clarification and elaboration on questions or concepts that may be unclear. It allows for real-time interaction, where respondents can ask for explanations or seek further information if needed. Phone interviews also offer a more personal touch compared to written questionnaires, as the researcher can provide additional context and engage in a dialogue with the respondents. While a group questionnaire may be suitable for certain types of research, it may not be as effective in addressing the need for clarifications in a survey covering complex social justice issues.

Therefore, a phone interview is a more appropriate choice for Fritz in this scenario.

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Other Questions
Which phrase from this detailed sentence includes an aside that reveals the writer's perspective? (5 points)"It was raining hard when I awoke""glad to know it was fresh and clean""ate biscuits and a piece of dried salmon""without attempting to make a tea fire""plunged once more into the dripping jungle" An auditorium is designed to seat 4500 people. The ventilation rate is 60 CFM/person of outside air. The outside temperature is 0F dry-bulb and the outside pressure is 14.6 psia. Air leaves the auditorium at 70F dry-bulb. There is no recirculation. The furnace has a capacity of 1,250,000 BTU/hr. At what temperature should the air enter the auditorium? (The sensible heat generated by each person seated in the auditorium is 225 BTU/hr; the specific heat of air is 0.24 BTU/lbmF) Given 1 = 78.2 and = O= 2.13, the datum 75.4 has z-score O a) 0.62 b) -1.31 c) -0.62 d) 1.31 A flat, circular, steel loop of radius 75 cm is at rest in a uniform magnetic field, as shown in an edge-on view in the figure (Figure 1). The field is changing with time, according to B(t)=(1.4T)e^(0.057s^1)t.a) Find the emf induced in the loop as a function of time (assume t is in seconds).b) When is the induced emf equal to 110 of its initial value?c) Find the direction of the current induced in the loop, as viewed from above the loop. To test the efficacy of a new cholesterol-lowering medication, 10 people are selected at random. Each has their LDL levels measured (shown below as Before), then take the medicine for 10 weeks, and then has their LDL levels measured again (After).SubjectBeforeAfter1124103218019531571484124116514513861289571901998196206918516910195168Give a 96.7% confidence interval for BA, the difference between LDL levels before and after taking the medication.Confidence Interval = ? #6. Which of the following identifies the element(s) as being oxidized and reduced in the reaction? 2 H2O2(aq) 2 H2O(1)+ O2(g) O Hydrogen is oxidized and oxygen is reduced. O Oxygen is oxidized and hydrogen is reduced. O Oxygen is both oxidized and reduced. O No elements are oxidized or reduced the reaction is not a redox reaction. Implementing encryption on a large scale, such as on a busy web site, requires a third party, called a(n) ________. the eigenvalues of b are 1, 2 and . using cayley-hamilton theorem, express the given relation in the alternate form =Health, Fitn...5. Physiological (1 point)The processes and functions of thebodyThe processes of the mindSocial needs, social behaviors, andsocial problemsOtraits that increase the possibility ofdeveloping an illness or disease how were the french and dutch colonial projects different from the spanish? A water main downtown broke this morning, so several businesses had no water for hours. So, signifies ____. *a. additionb. timec. comparisond. cause and effect Which of the below rock types could serve as a parent rock of gneiss?sandstonedioriteslatequartziterhyoliteshale 86. Which of the following statements is true about a promise to make a gift? Multiple Choice Upon delivery of the item, a true gift can be enforceable as a property transfer Promissory estoppel prevents a gift from being enforceable. A promise to make a gift is binding as a contract as it usually supports the bargain. A promise to make a gift becomes an option when it has a clause in the agreement that revokes the gift Insignificant consideration in return for a great one raises concerns that the exchange is actually not a gift. Question 1: Share capital and reserves Gumtree Ltd open for initial public offering for 5 million shares at a rate of $2.00 per share. Application close on 15th February 2022 with $1.00 and balance 1. Consider an investment scenario that returns a level stream of four annual payments of $10,000 each (i.e., an annuity). The first payment occurs at the end of the first year, and the subsequent payments occur at the end of each of the next three years. The discount rate is assumed to be 6% annually. (a) Calculate the present value of the investment as of the beginning of the first period. Use the appropriate present value table. (b) Using the present value tables, calculate how your answer to part (a) would differ if you change the assumption to eight semiannual (end of period) $5,000 payments, with the 6% annual rate being revised to 3% for each semiannual period. what mass of water should be added to 22.0 g of kcl to make a 5.50y mass solution? practice show your work. Lazy Guy Corporation manufactured 3,000 chairs during June. The following variable overhead data relates to June:Budgeted variable overhead cost per unit= $20.00Actual variable manufacturing overhead cost=$49,500Flexible-Budget amount for variable manufacturing overhead=$46,500Variable manufacturing overhead efficiency variance=$800 unfavorableWhat is the variable overhead spending variance?A. $3,000 UnfavorableB. $2,200 FavorableC. $2,200 UnfavorableD. $3,000 Favorable The pressure of the H2 gas is increased in the cathode compartment.The emf of the cell will increase.The emf of the cell will decrease. The birth and death process with parameters n = and n = 0, n 0 is called a pure birth process. Find Pi,j (t). Amy and Rory want to buy a house. they have enough saved for a 15% down payment, and the house they found is listed at $236,400.How much will the cost of the house be after the down payment?They are able to secure a home loan for 20 years at 4.2% interest. What will their monthly payment be