Exhibit 31
Use the Information Below for the Following Problem(S)

question 15

Multiple Choice

Exhibit 3.1
Use the Information Below for the Following Problem(S)
$\begin{array}{lc}\text { Security } & \text { Annual Percentage Return } \\\hline \text { U.S. government T-bills } & 3.04 \\\text { Long-term government bonds } & 5.75 \\\text { Long-term corporate bonds } & 6.80 \\\text { Large capitalization common stocks } & 13.50 \\\text { Small canitalization common stocks } & 15.60\end{array}$

The annual rate of inflation is 2%.
-Refer to Exhibit 3.1.What is the real return on T-bills?

• A) 1.02%
• B) 3.68%
• C) 4.71%
• D) 11.27%
• E) 13.33%

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Definitions:

Mental Disorders

A wide range of conditions that affect mood, thinking, and behavior in individuals, often leading to distress or impairment of personal functioning.

Anxiety And Mood

Relates to how feelings of nervousness, worry, or unease can impact an individual's emotional state or mood.

Cultural Values

The core principles and ideals upon which an entire community exists and functions, guiding behaviors, beliefs, and practices.

Cultural Groups

Collections of individuals who share common beliefs, values, customs, and practices that distinguish them from other groups.