Exhibit 82
Use the Information Below for the Following Problem(S)
You

question 20

Multiple Choice

Exhibit 8.2
Use the Information Below for the Following Problem(S)
You expect the risk-free rate (RFR) to be 3 percent and the market return to be 8 percent. You also have the following information about three stocks.
$$\begin{array} { c c c c c } \text { Stack } & \text { Eeta } & \begin{array} { c } \text { Current } \\\text { Price }\end{array} & \begin{array} { c } \text { Expected } \\\text { Price }\end{array} & \begin{array} { c } \text { Experted } \\\text { Dividend }\end{array} \\\hline \mathbf { X } & 1.25 & \$ 20 & \$ 23 & \$ 1.25 \\\mathbf { Y } & 1.50 & \$ 27 & \$ 29 & \$ 0.25 \\\mathbf { Z } & 0.90 & \$ 35 & \$ 38 & \$ 1.00\end{array}$$
-Refer to Exhibit 8.2.What are the estimated rates of return for the three stocks (in the order X,Y,Z) ?

• A) 21.25%, 8.33%, 11.43%
• B) 6.20%, 2.20%, 8.20%
• C) 16.50%, 5.50%, 22.00%
• D) 9.25%, 10.5%, 7.5%
• E) 15.00%, 3.50%, 7.30%

Recognize the role of debt covenants in protecting lenders and enhancing the flow of information.

Understand how financial accounting figures are utilized in contracts to monitor compliance and define terms.

Identify conflict of interest situations and their impact on business relationships.

Understand how renegotiation and enforcement of debt covenants take place following a default.

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Definitions:

Motivational Interviewing

Motivational interviewing is a counseling method that helps people find the internal motivation they need to change their behavior. It is a patient-centered approach that elicits behavioral changes by assisting individuals to explore and resolve ambivalence.

CBT Coping Skills Training

A cognitive-behavioral therapy technique focused on teaching individuals skills to better manage stressful situations and emotional challenges.

Long-term Follow-up

Continuous monitoring and assessment of an individual's progress or condition over an extended period after the completion of a treatment or study.

Complex Psychological Disorders

Psychological disorders that have multifaceted causes, including biological, psychological, and environmental factors, making them challenging to treat.