This figure, based on a national sample, illustrates institutional discrimination. Rejecting the loan applications of minorities and gouging them with higher interest rates are a nationwide practice, not the acts of a rogue banker here or there. Because the discrimination is part of the banking system, it is also called systemic discrimination. 45% 43 Whites 40% Latinos 35% African Americans 36 30% 30 30 26 25% 20% 15 15% 25

3. The annual rate of the return for ACH Corporation common stock has been: 2000 -10% 1998 1999 Return 14% 15% What's the geometric mean of the rate of return for the common stock over the four years? A). B). C). E). 8.62 7.69 10.22 7.46 6.64 2001 14% 4. The average household income in the City of Santa Rosa (CA) is reported to be $75,000 per year, but the city finance manager believes that the average income is much higher due to the recent relocations of several high-tech firms to the city from the Silicon Valley. The city then commissioned a study using 2,000 residents and found that the average income is $85,000 with a o = $10,000. Let a = 1%. H₂: Mean = μ $75,000 What's the critical Z-value for this test? A). - 1.645 B). + 1.96 C). + 1.645 D). - 1.96 E). + 2.32

3.  Lia’s marginal tax rate is 25% and she itemizes her tax deductions. a. How much is a $500 deduction worth to her? b. How much is a $500 tax credit worth to her? c. Suppose we want to subsidize higher education purchases for low to middle income families. Comment on whether a deduction or credit against the income tax would be more appropriate

Construct a stem - and - leaf display for the price (in dollars) of 20 cryptocurrencies that is spent to make international money transfers. 3.6 5.2 2.6 5.0 2.2 3.6 6.2 3.5 1.6 3.9 4.4 3.0 3.3 5.5 1.4 4.5 1.8 4.8 3.3 2.1