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A USFI Is Raising All of Its $20 Million Liabilities in

question 90

Multiple Choice

$\begin{array}{lrr}\text { Assets } &\text {Liabilities} \\& \text { \$ 10 million U.S. loans(10 percent) } & \text { \$ 20 million U.S. CDs(9 percent) } \\ &\text { \$ 10 million UK loans (16 percent) } &\\ &\text { (loans made in sterling) } &\\\end{array}$
A U.S.FI is raising all of its $20 million liabilities in dollars (one-year CDs) but investing 50 percent in U.S.dollar assets (one-year maturity loans) and 50 percent in UK pound sterling assets (one-year maturity loans) .Suppose the promised one-year U.S.CD rate is 9 percent,to be paid in dollars at the end of the year,and that one-year,credit risk-free loans in the United States are yielding only 10 percent.Credit risk-free one-year loans are yielding 16 percent in the United Kingdom.

If the exchange rate had fallen from $1.60/ $\le$ 1 at the beginning of the year to $1.50/ $\le$ at the end of the year when the FI needed to repatriate the principal and interest on the loan.What would be the dollar loan amount repatriated at the end of the year?

Identify the common chamber for air and food passage in humans.

Understand the structure and function of fish gills in gas exchange.

Recognize the unique characteristics of bird and mammal respiratory systems.

Understand the mechanisms of oxygen release from hemoglobin under different partial pressures.

Definitions:

Compounds

Substances formed from the chemical combination of two or more elements in a fixed ratio, characterized by specific properties.

Characteristic Stretch

Refers to a specific vibration in a molecule observed in IR spectroscopy, corresponding to the bond or functional group unique to that molecule.

Characteristic Stretch

Specific vibrational movements in molecules observed in infrared spectroscopy that help identify functional groups.

Mass Spectrometer

An analytical instrument used to identify substances within a sample by sorting gaseous ions based on their mass-to-charge ratios.