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You should be familiar with the process of working with human subjects and the importance of gaining informed consent when conducting primary research. Throughout history there have been many cases where research was not conducted ethically, resulting in serious consequences. One of the most famous examples of unethical researcher conduct is the Tuskegee Syphilis Experiment. Watch this short YouTube video “Research Ethics involving Human Subjects” hosted by Delton Daigle (9:38).

Next, conduct an internet search to find and read about another example of unethical researcher conduct. At the end of your summary provide a web link so your instructor and classmates can read more about the case you selected.

 

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According to the text, what is the primary nervous system stimulus that informs the biological clock?Question 1 (Multiple Choice Worth 2 points)Which of the following is the most complete and accurate definition of psychology? The study of behavior and mental processes The study of the mind of humans and other animals The study of mental health and illness The study of the human mindQuestion 2 (Multiple Choice Worth 2 points)Empirical evidence is derived from careful observation, experimentation, and ______________. Psychology Measurement Psychobabble Common senseQuestion 3 (Multiple Choice Worth 2 points)Graphology or handwriting analysis, uses precise measurements in order to determine personality characteristics from a sample of one’s handwriting. However, there is little empirical evidence to suggest that graphology is accurate in determining one’s personality from a handwriting sample. Graphology is an example of ______________. Fortune-telling Common sense Pseudoscience NumerologyQuestion 4 (Multiple Choice Worth 2 points)Mark has a strong desire to quit smoking. A psychologist from the biological perspective would most likely try to help by _____________. Delivering a shock to Mark’s wrist juts as he inhales Probing Mark’s unconscious desire to smoke and his need for oral fulfillment. Finding a drug that helps Mark’s craving for nicotine Emphasizing that smoking is a decision and that Mark has the cognitive control to quit.Question 5 (Multiple Choice Worth 2 points)The _________________ perspective emphasizes what goes on in people’s heads, including mental process, such as perception, memory, language, or problem solving. Biological Learning Cognitive SocioculturalQuestion 6 (Multiple Choice Worth 2 points)Several middle-school girls were watching their classmates, Jon and Jason, engage in a rough-and-tumble wrestling match. The attention of the girls seemed to intensity the boys’ play. A psychologist trained in the psychoanalytic perspective would most likely wonder, _______________. What are the basic emotional reactions evoked by the presence of the girls Do these boys have smaller head bumps devoted to ‘cautiousness’ than most boys What is the purpose of rough-and-tumble play in the adaptive changes of early adolescence Did these boys have early childhood traumas that unconsciously cause aggressive behavior.Question 7 (Multiple Choice Worth 2 points)7.Making a generalization based on a personal experience or a few examples is referred to as ______________. Argument by anecdote Examination of evidence Principle of falsifiability Analysis of assumptionsQuestion 8 (Multiple Choice Worth 2 points)Procedures used to measure and evaluate personality traits, emotional states, aptitudes, and values are called ____________. Laboratory observations Control conditions Psychological tests Field researchQuestion 9 (Multiple Choice Worth 2 points)A psychological tests is said to be valid if it ________________. Measures what it is designed to measure Compares results against established standards of performance Produces the same results from one time to the next Allows test-takers to fully demonstrate the extent of their abilitiesQuestion 10 (Multiple Choice Worth 2 points)When two variables are not related, the correlation coefficient will be close to ___________. 0 -1 +1 +10Question 11 (Multiple Choice Worth 2 points)A researcher plans to investigate whether a cup of hot milk at night helps people relax so that they fall asleep quickly. In this study, _____________. The independent variable is the amount of time it takes the person to fall asleep The independent variable is the lab in which the research is conducted. The independent variable is the hot milk at bedtime The independent variable is the hypothesis of the study.Question 12 (Multiple Choice Worth 2 points)An inactive substance or fake treatment that is used as a control in an experiment is called a(n)____________. Dependent variable Experimental group Placebo Control conditionQuestion 13 (Multiple Choice Worth 2 points)A(n) ________________ is a characteristic of an individual describing a habitual way of behaving, thinking, or feeling. Personality Trait Defense mechanism ArchetypeQuestion 14 (Multiple Choice Worth 2 points)Jesse becomes furious when her favorite hockey player is intentionally hurt by an opponent. According to Freud’s model of the mind, her “id” would unconsciously tell her, ____________. “Thou shalt not kill.I’m going to tear this program in half!” What, me angry? I could never get angry.I’m so angry I could kill that player!”Question 15 (Multiple Choice Worth 2 points)One of the most influential trait theorists was ____________ who recognized that not all traits have equal weight and significance in people’s lives. Abraham Maslow John B. Watson Gordon Allport Karen HorneyQuestion 16 (Multiple Choice Worth 2 points)Rachel is talkative, sociable, and adventurous. She loves to be the center of attention. Which of the ‘Big Five’ personality traits pertains to Rachel’s characteristic behavior? Agreeableness v. antagonism Openness to experience v. resistance Extraversion v. introversion Neuroticism v. emotional stabilityQuestion 17 (Multiple Choice Worth 2 points)______________ is a statistical estimate of the proportion of the total variance in some trait that is attributable to genetic differences among individuals within a group. Reciprocal determinism Heritability Factor analysis CongruenceQuestion 18 (Multiple Choice Worth 2 points)In behavioral-genetic research, __________________ includes the family background in which you grew up and the experiences you shared with your siblings and parents. Surface structure Nonshared environment Shared environment Deep structureQuestion 19 (Multiple Choice Worth 2 points)According to Maslow, the most important aspects of personality are the ____________________. Big Five personality traits Instincts and repressed conflicts of a person Qualities of the self-actualized person Reinforcers and punishers in a person’s learning history.Question 20 (Multiple Choice Worth 2 points)According to Carl Rogers, ______________ is love and support given to another with no strings attached. The condition of worth Unconditional positive regard Existentialism Self-actualizationQuestion 21 (Multiple Choice Worth 2 points)After implantation of the zygote is completed, the ____________ stage of prenatal development begins. Embryonic Structural Germinal FetalQuestion 22 (Multiple Choice Worth 2 points)Which of the following outcomes is associated with maternal exposure to lead during pregnancy? Defects in the eye, ear, and heart Attention problems and lower IQ Increased likelihood of prematurity and low birth weight Mental retardation, blindness, and other physical disordersQuestion 23 (Multiple Choice Worth 2 points)Researchers have found that “baby talk” by parents _________________. Helps babies learn the melody and rhythm of their native language Holds children back from learning real language faster Promotes telegraphic speech, especially if it is overused Teaches children the correct grammar of their native languageQuestion 24 (Multiple Choice Worth 2 points)Noam Chomsky viewed language acquisition in children as the result of _______________. An innate mental module that allows young children to develop language Reinforcement by adults of correct language production Utilitarian learning in which children learn that correct language produces desirable results Classical conditioning of innate utterances produced by infants and young children.Question 25 (Multiple Choice Worth 2 points)In Jean Piaget’s theory, the process of absorbing new information into existing mental categories is called __________________. Assimilation Accommodation Conservation EgocentrismQuestion 26 (Multiple Choice Worth 2 points)Layla understands that “Daddy” is her father but does not understand that she is Daddy’s daughter. Piaget would suggest that Layla is in the ___________ stage. Preoperational Formal operations Sensorimotor Concrete operationsQuestion 27 (Multiple Choice Worth 2 points)All of the following would be considered “gender differences” EXCEPT the difference between men and women in regard to ______________. Sexual attitudes Doing laundry Reading romance novels Color blindnessQuestion 28 (Multiple Choice Worth 2 points)Learning theorists believe that gender socialization begins _______________. At the moment of a child’s birth When the child comprehends speech When children label themselves boys or girls When children have developed a secure gender identityQuestion 29 (Multiple Choice Worth 2 points)Comparisons of hormone production in boys and girls show that ______________. Before puberty, boys have higher levels of estrogen than girls do From puberty on, boys and girls produce the same amounts of androgens and estrogens Before puberty, girls have higher levels of estrogen than do boys From puberty on, boys produce more androgens and girls produce more estrogens.Question 30 (Multiple Choice Worth 2 points)Adolescent girls who are lonely, depressed, worried, or angry are more likely than boys to express these concerns by _______________. Engaging in rule-breaking and risk-taking behaviors Internalizing their feelings Becoming aggressive and acting out sexually Attempting suicideQuestion 31 (Multiple Choice Worth 2 points)During Erikson’s stage of _____________, a person is acquiring new physical and mental skills, setting goals, and enjoying newfound talents, but must learn to control impulses. Initiative versus guilt Generativity versus stagnation Autonomy versus shame and doubt Ego integrity versus despairQuestion 32 (Multiple Choice Worth 2 points)As people move into old age, the speed of cognitive processing ______________. Slows significantly Increases for those who take vitamins Slows rapidly Does not change at allQuestion 33 (Multiple Choice Worth 2 points)Which of the following is NOT one of the child-rearing practices suggested by child development research? Set high expectations that are appropriate to the child’s age Allow children to express their disagreements about rules Encourage empathy by showing how fighting hurts and disrupts others Always punish behavior that violates family rulesQuestion 34 (Multiple Choice Worth 2 points)The spinal cord is actually an extension of the _______________. Body’s visceral organs Skeletal nervous system Brain Sensory nervesQuestion 35 (Multiple Choice Worth 2 points)Which is one function of the myelin sheath? To form cranial nerves To speed up neural transmission To create interference among neural signals To release neurotransmittersQuestion 36 (Multiple Choice Worth 2 points)Which hormones are involved in emotion and stress? Estrogen Melatonin Adrenal hormones ProgesteroneQuestion 37 (Multiple Choice Worth 2 points)The outer part of each adrenal gland produces _____________, which increases blood-sugar levels and boosts energy. Estrogen Androgen Cortisol MelatoninQuestion 38 (Multiple Choice Worth 2 points)Which structure of the brain is called the ‘gateway to memory?’ Amygdala Hippocampus Cerebellum ThalamusQuestion 39 (Multiple Choice Worth 2 points)______________ area is responsible for language comprehension and is located in the left ________ lobe. Broca’s; temporal Wernicke’s; temporal Broca’s; frontal Wernicke’s; frontalQuestion 40 (Multiple Choice Worth 2 points)According to the text, what is the primary nervous system stimulus that informs the biological clock? Visual Taste Smell BalanceQuestion 41 (Multiple Choice Worth 2 points)Emilio is currently in Stage 2 sleep. This means his EEG is showing ________ waves. only delta occasional delta rapid, high peaking small, irregular brainQuestion 42 (Multiple Choice Worth 2 points)Depressants exert their influence on the brain by _____________. Slowing down activity in the central nervous system Mimicking the action of endorphins, producing a feeling of euphoria Disrupting normal thought and perceptual processes Speeding up activity in the central nervous systemQuestion 43 (Multiple Choice Worth 2 points)Which of the following drugs is a psychedelic? LSD Alcohol Amphetamines HeroinQuestion 44 (Multiple Choice Worth 2 points)At the orientation for first-year students, April felt overwhelmed by the number of people, the multiple conversations and the forms that needed to be completed. April is experiencing ____________. Sensory overload Notable differences Sensory adaptation Sensory deprivationQuestion 45 (Multiple Choice Worth 2 points)Which of the following is a Gestalt principle? Brightness Saturation Proximity AcuityQuestion 46 (Multiple Choice Worth 2 points)The thing that makes a middle-C note on a flute sound very different from a middle-C note on a clarinet is ____________. Frequency Loudness Timbre PitchQuestion 47 (Multiple Choice Worth 2 points)What two senses keep us informed about the movement of our own body? Homeostasis and balance Equilibrium and homeostasis Equilibrium and Kinesthesis Kinesthesis and homeostasisQuestion 48 (Multiple Choice Worth 2 points)When Mitch was learning to drive, he couldn’t imagine how he could ever remember to steer the wheel, flip on the turn signal, put on the gas, and still manage to turn the car! Now that he has been driving for three years, Mitch’s reactions have become automatic. Now when he drives a car ____________________________. Nonconscious processes are involved Subconscious processes are involved Convergent thinking is involved Divergent thinking is involvedQuestion 49 (Multiple Choice Worth 2 points)Bunny is surprised to hear her little brother say, “Hello!” because she had intended to call her best friend. Her error in dialing the wrong number can be attributed to ______________. Implicit learning Hindsight bias Mental set MindlessnessQuestion 50 (Multiple Choice Worth 2 points)Deductive reasoning involves _____________________. Comparing and evaluating opposing points of view in order to resolve differences Drawing conclusions from a set of observations or premises Generalizing from past experience Use of an algorithm to solve a problem

 

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The following quotes for the Mexican peso and the Australian dollar

Calculate the cross rates for the Austrilian Dollar (A$) in $, both bid and ask. Of the six trades available above, which three trades result in a profit?

Make sure to show how you calculate the two cross rates. Make sure that it is clear which currency you are buying or selling and whether it is at the bid or ask price.

Quoted Bid Price

Quoted Ask Price

Value of an Australian dollar (A$) in $

$0.67

$0.69

Value of Mexican peso in $

$.074

$.077

Value of an Australian dollar in Mexican pesos

MXP8.2

MXP8.5

 

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Your assignment is to prepare and submit a paper on the subprime mortgage crisis. “Subprime” denotes any type of loan which does not satisfy the prime guidelines of a loan. Subprime lending is a process of making loans or lending money to the borrowers who are not qualified to be given a loan at the market interest rates because of their low credit ratings (Bahin, 2007). Both the borrowers and the lenders find themselves in a riskier position as a result of subprime lending. It is so because such lending is characterized by poor credit rating, a high amount of interest rates associated with it, and unfavorable financial situations.

The mortgage brokers played an important role in the rise and fall of financing related to subprime mortgages. The competition corresponding to the subprime loans increased as a result of the increasing demand of Mortgage-Backed Securities (MBSs) sought by the investment banks. The lenders were observed to be involved in activities of introducing innovative financial products which seemed to be attractive to the borrowers, and the latter was thus becoming more and more interested to borrow money from the lenders. If we consider the job responsibilities of mortgage brokers, it can be observed that they had to perform the activities related to identifying the borrowers, receiving an application for a loan from the borrowers, assessing their creditworthiness, evaluating their income-to-debt ratios, and then finally sending the borrowers to the lender who meets all the criteria. However, it is worth mentioning that all these activities and processes followed by the mortgage brokers did not correspond to the actual plan. The mortgage brokers received emoluments in the form of commissions and, therefore, it worked as an incentive for them to earn greater commissions by sending even the prime credit borrowers to the subprime lenders. Even the people who had little knowledge about MBSs were attracted to them because of the increasing demand for them in the market. There were not even any kinds of licensing requirements for a person to become a mortgage broker (Sanders, 2002). All these factors led to the emergence of mortgage brokers in the market and had an impact on lowering their reputations. The lenders have exposure to such a huge number of participants in the mortgage industry that many of the borrowers received loans who should never have been lent money because they were to face financial problems while repaying the loans received by them.

Based on the above evaluation of the situation it can be concluded that besides some of the minor incidents, certain specific individuals like mortgage brokers cannot be blamed for the downfall of the overall subprime mortgage lending process. The blame should actually go to the regulatory authorities and government institutions which failed to oversee the situation beforehand, to different corporate misdeeds, motivation to earn more profits, and also, to a large extent, to the borrowers themselves.

Incentive contracts or managerial incentives in a corporate organization mainly correspond with the agency theory and the problems associated with it. Jensen and Meckling (1976) are commonly associated with the term “agency theory” as found in most of the existing literature. According to Alchian and Demstez (1972), the business activities conducted by most of the organizations are mostly governed through contracts that involve voluntary exchanges.

 

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