Exhibit 10

question 77

Multiple Choice

Exhibit 10.14.In August of 2010,Massachusetts enacted a 150-day right-to-cure period that mandates that lenders give homeowners who fall behind on their mortgage an extra five months to become current before beginning foreclosure proceedings.Policymakers claimed that the policy would result in a higher proportion of delinquent borrowers becoming current on their mortgages.To test this claim,researchers took a sample of 244 homeowners in danger of foreclosure in the time period surrounding the enactment of this law.Of the 100 who fell behind just before the law was enacted,30 were able to avoid foreclosure,and of 144 who fell behind just after the law was enacted,48 were able to avoid foreclosure.Let and represent the proportion of delinquent borrowers who avoid foreclosure just before and just after the right-to-cure law is enacted,respectively. Refer to Exhibit 10.14.Compute the appropriate p-value to verify the claim.

• A)0.2915
• B)0.5570
• C)0.5832
• D)0.7084

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Definitions:

Legal Permanent Residents

Individuals who have been granted the right to live indefinitely within a country other than their native one, without being its citizen.

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Individuals who have been granted the right to live indefinitely within a country but are not citizens of that country.

Migration Costs

expenses incurred by individuals or families when moving from one location to another, which may include transportation, housing, and administrative costs.

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