Multiple Choice

Network switches provide essential connectivity in local and wide area networks. Some of them run in multilayer between layers 2 and 3. What protocol unit is being used in layer 2?
Question 1 options:
a) packet
b) segment
c) frame
d) datagram

The backbone of the Internet is structured by the Internet Protocol (IP). Which of the following network devices provides this Internet Protocol?
Question 2 options:
a) switch
b) router
c) hub
d) repeater

The transport layer provides two different types of protocols: TCP and UDP. What decides to use TCP or UDP?
Question 3 options:
a) application
b) end users
c) computer network interface card (NIC)
d) computer CPU

TCP is a connection-oriented protocol that establishes a three-way handshake before transmitting any data. What makes a three-way handshake?
Question 4 options:

Continuous monitoring is an important strategic initiative for the organization. In order to successfully complete the continuous monitoring effort, what would be the very first step you would have to take?
Question 5 options:
a) risk assessment
b) asset inventory
c) risk management
d) risk mitigation

In designing a continuity of operations (COOP) site, which disaster recovery site configuration would you design if you needed to have both the primary and secondary sites operational at all times, and no downtime is allowed?
Question 6 options:
a) warm site
b) hot site
c) mirror site
d) cold site

In designing a continuity of operations (COOP) site, which disaster recovery site configuration would you design if you needed to design the most cost-effective site configuration due to the organization’s budget constraints?
Question 7 options:
a) warm site
b) hot site
c) mirror site
d) cold site

Mobile codes can be malicious if they carry a malware payload or harm other computers. Which of the following malware appears normal, but can harm computers if exploited?
Question 8 options:
a) worm
b) virus
c) Trojan horse
d) e-mail virus


Multiple Choice

1- Sofia is an employee for Ambrose’s Landscaping. While showing a customer how to use a hedge clipper, she inadvertently cuts the customer on the arm, requiring a hospital trip and several stitches. Regarding Ambrose’s liability for the incident
A-Ambrose is not vicariously liable because it was an accident.
B-Ambrose is vicariously liable because Sofia was not acting within the course of employment.
C-Ambrose is not vicariously liable because Sofia was not acting within the course of employment.
D-Ambrose is vicariously liable because Sofia was acting within the course of employment.

2- Melanie is a white female, and she is married to Muhammad, who is of Middle Eastern descent. She has been employed at The Office Works for 3 weeks. Melanie has been subjected to daily verbal abuse since Muhammad dropped by to take her to lunch and her co-workers became aware of his ethnicity. She has been called an “Arab whore” and a “terrorist.” Her co-workers refuse to work with her, and her supervisor has condoned this behavior by assigning her to tasks in the stockroom when previously she assisted customers in the computer department.
A-Melanie does not have a claim for national origin discrimination because she is not a member of a protected class.
B-Melanie does have a claim for national origin discrimination under Title VII because she is being harassed based on the national origin of her husband.
C-Melanie does not have a claim for national origin discrimination because she has only been employed for 3 weeks.
D-Melanie does have a claim for national origin discrimination because the behavior of her co-workers and supervisor is neither severe nor pervasive.

3-Harrison works in a cubicle at a window next to Karen Ravenwood’s cubicle at Tabernacle Insurers. One day, Harrison overhears Karen’s supervisor make a comment that she’d be more successful if she spent as much time on shaping her list of prospective customers as she does on shaping her body. Karen files a complaint of sex/gender discrimination with the EEOC and Harrison is called to testify during the investigation. The EEOC decides not to pursue the matter. A month and a half after the investigation is closed, Tabernacle management moves Harrison from his cubicle to a cubicle on a vacant floor. All other aspects of his job remain the same. Harrison files a complaint of retaliation.
A-Harrison cannot pursue a case of retaliation because the relocation of his work area between cubicles did not materially affect the terms, conditions, or privileges of his employment at Tabernacle.
B-Harrison cannot prove a case of retaliation because the investigation uncovered no wrongdoing.
C-Harrison cannot prove a case of retaliation because he is not in the same protected group as Karen.
D-Harrison can prove a case of retaliation.

4- Tiffany, a light-skinned black woman, is the manager of the cosmetics department of a large retail store. She does not promote Monica, a brown-skinned black woman, because she believes customers prefer lighter skinned cosmetic consultants. Monica
A-does not have a claim under Title VII because color discrimination cannot occur between members of the same race.
B-has a claim under Title VII because color discrimination can occur between members of the same race.
C-has a claim under ADEA.
D-has a claim under FLSA

5- BJI Enterprises requires all employees to pass a standardized test before being considered for promotions. Marisa Chavez, a Hispanic female, was employed in the Maintenance department as a housekeeper. She wanted to be considered for a supervisory position in that department. However, she could not make a passing score on the test. There were no minority supervisors in the Maintenance Department. The Civil Rights Act requires
A-BJI to show that the test is related to the job.
B-Ms. Chavez to show that the test is not related to the job.
C-Ms. Chavez to prove that she is qualified for the job.
D-None of the choices are correct.

6- Benita works as a nursing assistant in a retirement home run by Cottonwood Care Centers, a national operator of facilities providing care for the elderly. Benita works 53 hours a week. After looking at her payroll stubs for the past 6 months, she concludes that she has not received sufficient overtime pay. She complains to her supervisor but the company takes no action.
A-Benita can bring a complaint to the National Labor Relations Board under the Fair Labor Standards Act of 1938 (FLSA).
B-Benita can bring a complaint to the U.S. Department of Labor, under the Fair Labor Standards Act of 1938 (FLSA).
C-Benita can bring a complaint to the U.S. Department of Labor, under the Employee Retirement Income Security Act of 1974 (ERISA).
D-Benita can bring a complaint to the U.S. Department of Labor, under Executive Order 11246.

Expert Answers

There is no water on Venus because of the accelerated greenhouse effect. Do you think the runaway greenhouse effect could occur on the Earth? If so, give some examples of evidence that are currently happening. Also, share your ideas as to what we should do to prevent such a disaster.

When making a decision, how do you see yourself as a risk taker? Are you risk-averse or do you tolerate risk. To what do you attribute your views on risk taking?

This unit discussed the Jovian planets. Which of these planets do you find most intriguing, and why?

Discuss your feelings about the multiple-selves theory. Do you feel the pull between what you want and what should be done? How have you reconciled these differences in the past?

Penn Foster 08187700

Penn Foster Exam 08187700

1. Interest on credit cards can be very expensive. One way to reduce interest would be to
A. pay the minimum monthly required payment on time.
B. pay the minimum monthly payment early.
C. pay the entire balance before the grace period and use the card for convenience.
D. use the card for cash advances.
2. In addition to interest expenses, many credit cards have other costs, which can include which of the following?
A. Vendor discounts C. Application fees
B. Annual fees D. Travel fees
3. A method to charge interest that involves calculating the finance charge and deducting it up front from the loan is called the _______ method.
A. simple interest C. discount
B. compound interest D. future value
4. The rule of 78s or sum-of-the digits method would be used to calculate
A. interest. C. estimated present value.
B. an insurance premium. D. a prepayment penalty.
5. Many lenders use credit scoring to assist them in making credit decisions. The most important credit-scoring factor is
A. marital status. C. annual income.
B. length of employment. D. age.
6. The annual percentage rate (APR) on a single-payment loan for $1,000 at a simple interest rate of 12% is
A. 10%. C. 15%
B. 12% D. 18%
7. You’ve agreed to make payments of principal and interest over the next 36 months to a furniture dealer for a new suite of furniture. Which type of loan is this?
A. Single payment C. Open account credit
B. Interim financing D. Installment loan
8. Purchasing credit life or disability insurance protection is usually
A. a legal requirement. C. non-negotiable.
B. at the borrower’s option. D. a good idea for the borrower.
9. You want the convenience of paying for goods and services with “plastic.” However, you want to avoid any risk of generating a credit balance on which you might incur interest expenses. Which card would be best for you?
A. Affinity card C. Secured credit card
B. Debit card D. Prestige card
10. You have a car, a house, credit cards, and other debts and assets. You want to consolidate debt and achieve the lowest possible after-tax cost of borrowing. You should consider which type of loan?
A. Credit card advance C. Overdraft protection
B. Consumer installment loan D. Home equity credit line

11. You’re borrowing for education. You want to eliminate interest rate risk and pay the loan back in future years when you can better afford the payments. Your degree will give you a chance to earn a higher income in the future. Which type of loan is best for you?
A. Long-term fixed rate loan C. Long-term floating rate loan
B. Short-term fixed rate loan D. Short-term floating rate loan
12. You want to establish credit, but you want to deal with one institution for all your banking and credit services. Your best choice would be a
A. savings and loan. C. commercial bank.
B. finance company. D. credit union.
13. If your installment loan has a variable interest rate,
A. the rate will remain the same over the life of the loan.
B. the amount you borrowed will change with the interest rates.
C. the total interest to be paid over the life of the contract isn’t known at the start of the loan.
D. you can calculate the total interest you’ll pay on the loan.
14. Credit cards permit us to enjoy payment convenience when shopping. However, a danger of using credit cards is
A. the computation of interest. C. retailer warranties.
B. the monthly billing cycle. D. overspending due to easy credit.
15. As opposed to mortgage loans and auto loans, open-credit loans can lead to excessive debt levels because
A. homeownership is important to the economy.
B. we all have to have cars.
C. the products purchased may not outlive the payments.
D. the required payment changes every month.
16. Because of the Tax Reform Act of 1986, what percent of your consumer loan interest is now tax deductible?
A. 40% C. 20%
B. 30% D. 0%
17. You have a debt safety ratio of 40%.You should consider which one of the following
A. Cut spending until you reduce the ratio to 20%
B. Cut spending until you bring the ratio to zero
C. Keep spending the same
D. Increase spending, but only for useful items
18. Often lenders will be reluctant to approve a loan because they perceive the credit risk to be too high. A frequently used technique to improve credit risk is to offer tangible assets. Such an asset is considered
A. pledging. C. credit base.
B. collateral. D. improved cash flow.
19. If your monthly take-home pay is $1,500, you maximum monthly consumer credit payments shouldn’t exceed
A. $420. C. $300.
B. $330. D. $225.
20. The federal requirements for disclosure of interest rates defines the annual percentage rate or APR. The formula to calculate the APR is
A. total finance charges divided by yearly principal payments.
B. total finance charges divided by loan principal.
C. average annual finance charge divided by average loan balance outstanding.
D. total annual finance charge divided by average loan balance outstanding.