Analytics usage for the report with APA referencing

need a 1500 word report on a dataset using IBM Watson Analytics Report…,……… more work would be given once this is done..,…. Looking for a quality plagfree work.

This unit covered many strategies on marketing and advertising for e-commerce

  This  unit covered many strategies on marketing and advertising for    e-commerce sites.  As a digital marketing professional, you have been tasked to    develop an online  campaign for your company’s new apparel, which targets the    18–26 year old  young adult market in the United States.  Write a three-page essay on your recommendations of at  least six digital    marketing advertising strategies (concepts), and explain how  each strategy    will  help the company’s new brand of apparel for young adults.  Determine the    possible challenges and benefits of online marketing  communication. The essay    should include an introduction, which presents the main  points of the essay.       The  title and reference pages do not count toward meeting the minimum    length  requirement. Make  sure your essay follows APA format. You must use a    minimum of two external  sources other than the textbook. All sources used,    including the textbook, must  be referenced; paraphrased and quoted material    must have accompanying  citations. 

Question Throughout a student’s formal education, knowledge and hard skills are developed. However,

Throughout a student’s formal education, knowledge and hard skills are developed. However, employers of many professions, including occupational therapy, often seek individuals with strong soft skills. In your own words, briefly describe what the ambiguous term “soft skills” means. Then as an individual seeking a degree in a professional field, identify one soft skill you need to improve upon and identify the steps you will take to hone this skill. Your essay should include your name, be no more than 2 pages, double spaced, with references, if appropriate.

Effective Strategic Leadership Paper Write a paper about the qualities of

  Effective Strategic Leadership Paper  Write a paper about the qualities of an effective ethical strategic leader. Strategic leadership includes the ability to anticipate events, envision possibilities, maintain flexibility, and empower others to create strategic change. Include biblical references. Requirements:  3,500 words minimum (content)  APA-compliant formatting, including title and reference pages  Include Biblical Foundations application section (500 words of the 3,500) Minimum of eight scholarly references

A major challenge in measuring environmental sustainability?

Question A major challenge in measuring environmental sustainability?

Change in perception in mental health workers towards aggression during the working years with a patient with learning disabilities/challenging behaviour

A journal paper is the main section of the Research Portfolio and will provide students with practice in presenting their work to an academic audience. Guidelines for the word length of the journal paper are: 5,000 words for projects using quantitative methodologies / analysesThese word limits include references in the main body of the text, but do not include the abstract, figures and tables, and reference list or appendices. You must state the word count at the end of the journal paper. We would like to emphasise that the better projects are often the ones that are the most concisely presented. The plus 10% tolerance on word limit applies to the journal paper but this must not be exceeded. If the article is too long, this will mean that the final sections will not be marked.The journal paper should be presented in structure, style, content and format as if for submission to a named scientific journal relevant to the topic of your project (e.g. Journal of Occupational and Organizational Psychology, British Journal of Health Psychology, Journal of Occupational Health Psychology, Journal of Applied Psychology, Work

Compare the “foot print” of a vegetarian to a carnivore?

Question Compare the “foot print” of a vegetarian to a carnivore?

Please respond to the following: Social media messaging shouldn’t just be

 Please respond to the following: Social media messaging shouldn’t just be used for selling and promotion, but rather for engagement. Give two (2) examples of what you consider to be engaging messages. What do you think needs to be incorporated inside of an engaging message? Why do you think these items need to be incorporated? Choose a company and look at two (2) of their social media platforms. Explain why you find them engaging. What caught your eye? What type of engagement do you think is most likely to occur? Include a copy of the engaging messages in your post. When finished, respond to at least two (2) other peer’s posts

Assignment 2: Designing a Training Program

Create a written proposal in which you detail the complete design of an employee training program. Write a six to eight (6-8) page paper in which you: Design a two (2) day training program for a group of twenty (20) employees. Identify two to three (2-3) training needs though a Training Needs Analysis (TNA) and justify an approach for this training. Develop the training objective for this program based on an analysis of the business. Determine the training cost for the training program you are proposing. Include a detailed breakdown of time allotted for each piece, the subsequent cost analysis, and the total cost for the project as a whole. Select key training method(s) to deliver the program to employees, such as an e-Learning module or a one-day face-to-face training program. Create an agenda of activities for the training program. Use at least seven (7) quality academic resources in this assignment. Note: Wikipedia and similar Websites do not qualify as academic resources. Format your assignment according to the following formatting requirements: This course requires use of new Strayer Writing Standards (SWS). The format is different than other Strayer University courses. Please take a moment to review the SWS documentation for details. Typed, double spaced, using Times New Roman font (size 12), with one-inch margins on all sides. Include a cover page containing the title of the assignment, the student’s name, the professor’s name, the course title, and the date. The cover page is not included in the required page length. Include a reference page. Citations and references must follow SWS format. The reference page is not included in the required page length. The specific course learning outcomes associated with this assignment are: Identify when to conduct a Training Needs Analysis (TNA). Analyze the various approaches to performing a Training Needs Analysis. Develop strategies for training design. Use technology and information resources to research issues in training and development. Write clearly and concisely about training and development using proper writing mechanics.

Ph.D. postion proposal Political communication in Journalism

This proposal shoul elaborate on how to address, in terms of research design and methods, the research questions outlined in the research program “The Perception and Communication of Risks of Pesticides and Biocides” – About the details of this project, please see the attachment.

Documentation Macro Tab – Run Entire Model macro will run all

Documentation Macro Tab – Run Entire Model macro will run all cells in the “Model Cells” tab. The macro will start in row 2 and continue until there is a blank row. – Run One Cell macro will run a selected cell. – Run Selected Cells macro will run a range of cells. Model Cells – Contains the population to run through the model. Cell Info – Contains assumptions and policy information. – Entries in yellow can be changed. Policy Income Statement and Balance Sheet – Contains the I/S and B/S of the cell that is currently in the “Cell Info” tab. – The macros will collect results from these tabs and aggregate information into the Model I/S and B/S tabs. Model Income Statement and Balance Sheet – Information in pasted into these tabs by the macros. – Contains aggregate information on all of the cells ran through the model. – Each time a macro is ran, the previous information is cleared out. Minimum Percent to be Held in Liquid, Short-term Assets 7% Output Summary The following is output from running the entire population using baseline assumptions and premiums. This summary will not update when the model is re-run using different assumptions. PV Distributable Earnings @ 5% PV Premium @ 5% Profit Margin Male 883,471 2,868,850 30.80% Female 544,434 2,816,279 19.33% Total 1,427,905 5,685,129 25.12% Age PV Distributable Earnings @ 5% PV Premium @ 5% Profit Margin 20-29 236,583 1,021,327 23.16% 30-39 388,343 1,454,464 26.70% 40-49 427,114 1,712,130 24.95% 50 375,866 1,497,208 25.10% Total 1,427,905 5,685,129 25.12% Macro Running this macro will run the entire population in the “model cells” tab Warning – this macro may take 5-10 minutes to run Running this macro will run one cell, a pop-up box will appear, enter the cell you want to run Need to choose a starting cell and an ending cell. Warning – this macro may take 5-10 minutes to run Run Entire Model Run One Cell Run Selected Cells Model Cells Cell # Issue Age Gender Units Average Size Occupation Class Elimination Period Benefit Amount COLA Premium Premium Amount Benefit Period 1 22 F 250 100 A 90 60% N Level Annual 22 To Age 65 2 22 F 750 250 A 90 60% N Level Annual 22 To Age 65 3 22 M 250 100 A 90 60% N Level Annual 22 To Age 65 4 22 M 750 250 A 90 60% N Level Annual 22 To Age 65 5 27 F 250 100 A 90 60% N Level Annual 27 To Age 65 6 27 F 750 250 A 90 60% N Level Annual 27 To Age 65 7 27 M 250 100 A 90 60% N Level Annual 27 To Age 65 8 27 M 750 250 A 90 60% N Level Annual 27 To Age 65 9 32 F 250 100 A 90 60% N Level Annual 32 To Age 65 10 32 F 750 250 A 90 60% N Level Annual 32 To Age 65 11 32 M 250 100 A 90 60% N Level Annual 32 To Age 65 12 32 M 750 250 A 90 60% N Level Annual 32 To Age 65 13 37 F 250 100 A 90 60% N Level Annual 37 To Age 65 14 37 F 750 250 A 90 60% N Level Annual 37 To Age 65 15 37 M 250 100 A 90 60% N Level Annual 37 To Age 65 16 37 M 750 250 A 90 60% N Level Annual 37 To Age 65 17 42 F 250 100 A 90 60% N Level Annual 42 To Age 65 18 42 F 750 250 A 90 60% N Level Annual 42 To Age 65 19 42 M 250 100 A 90 60% N Level Annual 42 To Age 65 20 42 M 750 250 A 90 60% N Level Annual 42 To Age 65 21 47 F 250 100 A 90 60% N Level Annual 47 To Age 65 22 47 F 750 250 A 90 60% N Level Annual 47 To Age 65 23 47 M 250 100 A 90 60% N Level Annual 47 To Age 65 24 47 M 750 250 A 90 60% N Level Annual 47 To Age 65 25 52 F 250 100 A 90 60% N Level Annual 52 To Age 65 26 52 F 750 250 A 90 60% N Level Annual 52 To Age 65 27 52 M 250 100 A 90 60% N Level Annual 52 To Age 65 28 52 M 750 250 A 90 60% N Level Annual 52 To Age 65 29 57 F 250 100 A 90 60% N Level Annual 57 To Age 65 30 57 F 750 250 A 90 60% N Level Annual 57 To Age 65 31 57 M 250 100 A 90 60% N Level Annual 57 To Age 65 32 57 M 750 250 A 90 60% N Level Annual 57 To Age 65 Cell Info Demographics Issue Age 57 (20-60) Gender M Units 750 one unit = 1000 of covered salary Average Size 250 Occupation Class A Plan Design Information Elimination Period 90 Benefit Amount 60% COLA N Premium Level Annual Benefit Period To Age 65 Lookup Cells Incidence Lookup 2 Termination Table Term_90_M Assumptions Premium 57 per 1000 of Salary Policy Fee 200 per policy Acquisition Expense 2000 per policy in the first year Maintenance Expense 5 per 1000 of Salary First Year Commission 55.0% of premium Renewal Year Commission 2 per 1000 of Salary Asset Earned Rate 5.00% Tax on Earnings 35.00% Required Capital Factors Asset Default 1.5% of assets Insurance Risk 5.0% of premium Interest Rate Risk 1.8% of policy reserves Pricing and Reserving Scaling Factors Pricing Incidence Factor 1.000 Use this factor to increase or decrease incidence by a flat factor Reserve Incidence Factor 1.100 This factor will increase or decrease reserve incidence by a flat factor Reserve Termination Factor 0.900 This factor will increase or decrease reserve termination rates by a flat factor Policy Cash Flows Survival Factor Units In-force Policy Cash Flows Reserves Year Attained Age Survival Factor BOY Incidence (BOY) Lapse (EOY) Survival Factor EOY Units In-force BOY Units Disabled (MOY) Units Lapse (EOY) Units In-force EOY Premium Policy Fee Paid Claims Acquisition Expense Maintenance Expense Commission Active Life Reseve (EOY) Disabled Life Reserve (EOY) 1 57 1.00000 0.00608 0.05000 0.94422 750.00 4.56 37.27 708.17 42,750.00 600.00 684.45 6,000.00 3,750.00 23,512.50 3,437.25 13,823.79 2 58 0.94422 0.00814 0.03750 0.90141 708.17 5.77 26.34 676.06 40,365.41 566.53 2,992.72 0.00 3,540.83 1,416.33 3,175.33 26,537.39 3 59 0.90141 0.01019 0.02500 0.86992 676.06 6.89 16.73 652.44 38,535.28 540.85 5,628.91 0.00 3,380.29 1,352.12 616.54 37,254.85 4 60 0.86992 0.01287 0.02500 0.83725 652.44 8.40 16.10 627.94 37,188.97 521.95 8,666.46 0.00 3,262.19 1,304.88 0.00 47,071.71 5 61 0.83725 0.01550 0.02500 0.80367 627.94 9.73 15.46 602.75 35,792.59 502.35 12,643.15 0.00 3,139.70 1,255.88 0.00 52,753.76 6 62 0.80367 0.01950 0.02500 0.76830 602.75 11.75 14.77 576.22 34,356.88 482.20 17,367.56 0.00 3,013.76 1,205.50 0.00 52,510.35 7 63 0.76830 0.02249 0.02500 0.73224 576.22 12.96 14.08 549.18 32,844.75 460.98 22,846.48 0.00 2,881.12 1,152.45 0.00 41,710.98 8 64 0.73224 0.02529 1.00000 0.00000 549.18 13.89 535.30 0.00 31,303.42 439.35 28,666.89 0.00 2,745.91 1,098.37 0.00 0.00 9 65 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 10 66 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 11 67 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 12 68 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 13 69 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 14 70 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 15 71 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 16 72 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 17 73 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 18 74 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 19 75 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 20 76 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 21 77 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 22 78 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 23 79 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 24 80 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 25 81 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 26 82 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 27 83 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 28 84 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 29 85 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 30 86 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 31 87 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 32 88 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 33 89 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 34 90 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 35 91 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 36 92 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 37 93 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 38 94 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 39 95 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 40 96 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 41 97 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 42 98 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 43 99 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 44 100 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 45 101 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 46 102 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 47 103 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 48 104 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 49 105 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 50 106 0.00000 0.00000 1.00000 0.00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Policy Income Statement Year 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 Revenue 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 Premium 42,750.00 40,365.41 38,535.28 37,188.97 35,792.59 34,356.88 32,844.75 31,303.42 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Policy Fee 600.00 566.53 540.85 521.95 502.35 482.20 460.98 439.35 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Investment Income 497.21 1,313.82 1,842.31 2,287.34 2,668.27 2,805.05 2,515.86 1,117.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Revenue 43,847.21 42,245.76 40,918.43 39,998.26 38,963.21 37,644.13 35,821.59 32,860.20 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Benefits and Expenses Paid Claims 684.45 2,992.72 5,628.91 8,666.46 12,643.15 17,367.56 22,846.48 28,666.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Increase in Reserve 17,261.04 12,451.68 8,158.67 9,200.32 5,682.04 -243.41 -10,799.37 -41,710.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Acquisition Expense 6,000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Maintenance Expenses 3,750.00 3,540.83 3,380.29 3,262.19 3,139.70 3,013.76 2,881.12 2,745.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Commission 23,512.50 1,416.33 1,352.12 1,304.88 1,255.88 1,205.50 1,152.45 1,098.37 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Benefits and Expenses 51,207.99 20,401.56 18,519.99 22,433.84 22,720.78 21,343.42 16,080.67 -9,199.81 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Pre-tax Profit -7,360.78 21,844.20 22,398.45 17,564.42 16,242.43 16,300.72 19,740.92 42,060.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Taxes -2,576.27 7,645.47 7,839.46 6,147.55 5,684.85 5,705.25 6,909.32 14,721.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 After Tax Profit -4,784.51 14,198.73 14,558.99 11,416.87 10,557.58 10,595.47 12,831.60 27,339.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Increase in Required Capital 2,627.29 324.26 205.00 237.35 117.48 -84.91 -440.05 -2,986.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Distributable Earnings -7,411.80 13,874.47 14,354.00 11,179.52 10,440.09 10,680.38 13,271.64 30,325.44 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Policy Balance Sheet Time 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 Assets 0.00 19,888.33 32,664.28 41,027.95 50,465.62 56,265.15 55,936.83 44,697.41 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Reserves Active Life Reseve 0.00 3,437.25 3,175.33 616.54 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Disabled Life Reserve 0.00 13,823.79 26,537.39 37,254.85 47,071.71 52,753.76 52,510.35 41,710.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Reserves 0.00 17,261.04 29,712.72 37,871.40 47,071.71 52,753.76 52,510.35 41,710.98 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Surplus Asset Default 0.00 298.32 489.96 615.42 756.98 843.98 839.05 670.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Insurance Risk 0.00 2,018.27 1,926.76 1,859.45 1,789.63 1,717.84 1,642.24 1,565.17 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Interest Rate Risk 0.00 310.70 534.83 681.69 847.29 949.57 945.19 750.80 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Surplus 0.00 2,627.29 2,951.56 3,156.55 3,393.90 3,511.39 3,426.48 2,986.43 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Paid Claims Survival Factor (BOY) for Disabled Lives — Using Termination Rates Units on Claim Paid Claims (Assume disabilities happen in middle of the year and claims are paid at middle of the year) Disabled Life Reserves (EOY) Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15 Year 16 Year 17 Year 18 Year 19 Year 20 Year 21 Year 22 Year 23 Year 24 Year 25 Year 26 Year 27 Year 28 Year 29 Year 30 Year 31 Year 32 Year 33 Year 34 Year 35 Year 36 Year 37 Year 38 Year 39 Year 40 Year 41 Year 42 Year 43 Year 44 Year 45 Year 46 Year 47 Year 48 Year 49 Year 50 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15 Year 16 Year 17 Year 18 Year 19 Year 20 Year 21 Year 22 Year 23 Year 24 Year 25 Year 26 Year 27 Year 28 Year 29 Year 30 Year 31 Year 32 Year 33 Year 34 Year 35 Year 36 Year 37 Year 38 Year 39 Year 40 Year 41 Year 42 Year 43 Year 44 Year 45 Year 46 Year 47 Year 48 Year 49 Year 50 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15 Year 16 Year 17 Year 18 Year 19 Year 20 Year 21 Year 22 Year 23 Year 24 Year 25 Year 26 Year 27 Year 28 Year 29 Year 30 Year 31 Year 32 Year 33 Year 34 Year 35 Year 36 Year 37 Year 38 Year 39 Year 40 Year 41 Year 42 Year 43 Year 44 Year 45 Year 46 Year 47 Year 48 Year 49 Year 50 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Year 11 Year 12 Year 13 Year 14 Year 15 Year 16 Year 17 Year 18 Year 19 Year 20 Year 21 Year 22 Year 23 Year 24 Year 25 Year 26 Year 27 Year 28 Year 29 Year 30 Year 31 Year 32 Year 33 Year 34 Year 35 Year 36 Year 37 Year 38 Year 39 Year 40 Year 41 Year 42 Year 43 Year 44 Year 45 Year 46 Year 47 Year 48 Year 49 Year 50 Year Attained Age 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 Year Attained Age 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 Year Attained Age 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 Year Attained Age 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 1 57 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1 57 4.56300 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 1 57 684.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1 57 13823.79 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 58 0.7771090892 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 2 58 3.54595 5.76765 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 2 58 2127.57 865.15 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 2 58 10727.76 15809.64 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 59 0.6962144543 0.7771090892 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 3 59 3.17683 4.48209 6.89038 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 3 59 1906.10 2689.26 1033.56 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 3 59 8575.64 11953.58 16725.63 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 60 0.651935215 0.6962144543 0.7771090892 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 4 60 2.97478 4.01552 5.35458 8.39688 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 4 60 1784.87 2409.31 3212.75 1259.53 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 4 60 6749.62 9237.34 12193.46 18891.30 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 61 0.6212290663 0.651935215 0.6962144543 0.8630337033 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 5 61 2.83467 3.76013 4.79718 7.24679 9.73260 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 5 61 1700.80 2256.08 2878.31 4348.07 1459.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 5 61 5276.00 6906.97 8953.72 13801.59 17815.48 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 62 0.5929631438 0.6212290663 0.651935215 0.8130575132 0.8630337033 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 6 62 2.70569 3.58303 4.49208 6.82714 8.39956 11.75367 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 6 62 1623.41 2149.82 2695.25 4096.29 5039.74 1763.05 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 6 62 3798.32 4952.97 6140.80 9570.40 11928.49 16119.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7 63 0.5681179881 0.5929631438 0.6212290663 0.7726485548 0.8130575132 0.8630337033 1 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 7 63 2.59232 3.42000 4.28050 6.48784 7.91316 10.14381 12.95927 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 0.00000 7 63 1555.39 2052.00 2568.30 3892.70 4747.90 6086.29 1943.89 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 7 63 2270.50 2992.68 3687.76 5547.06 6955.90 9026.24 11230.84 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 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0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Termination Rate Table 90 Day EP / Female 90 Day EP / Male Year Age 20 25 30 35 40 45 50 55 60 Year Age 20 25 30 35 40 45 50 55 60 1 0.58549 0.54125 0.50121 0.45863 0.41419 0.36596 0.31055 0.23856 0.14726 1 0.55477 0.51158 0.47304 0.43200 0.38924 0.34352 0.29109 0.22289 0.13697 2 0.31736 0.28856 0.26135 0.23806 0.20727 0.17657 0.15013 0.10654 0.05914 2 0.30968 0.28164 0.25506 0.23238 0.20246 0.17218 0.14623 0.10410 0.05791 3 0.15030 0.13910 0.12480 0.10880 0.09300 0.07850 0.06570 0.05420 0.04230 3 0.17640 0.16330 0.14650 0.12770 0.10920 0.09220 0.07710 0.06360 0.04970 4 0.09500 0.08280 0.06930 0.05660 0.04670 0.04030 0.03730 0.03630 0.03500 4 0.12330 0.10740 0.08990 0.07340 0.06060 0.05230 0.04830 0.04710 0.04550 5 0.06630 0.05880 0.04910 0.03980 0.03310 0.03020 0.03040 0.03160 0.03060 5 0.09530 0.08440 0.07060 0.05720 0.04760 0.04340 0.04370 0.04550 0.04390 6 0.04780 0.04380 0.03760 0.03150 0.02750 0.02570 0.02620 0.02790 0.02750 6 0.07160 0.06570 0.05640 0.04730 0.04120 0.03840 0.03930 0.04190 0.04120 7 0.03520 0.03300 0.02980 0.02660 0.02500 0.02350 0.02370 0.02540 0.02660 7 0.05410 0.05080 0.04580 0.04100 0.03840 0.03620 0.03650 0.03910 0.04100 8 0.02660 0.02580 0.02460 0.02370 0.02380 0.02300 0.02310 0.02550 0.02840 8 0.04090 0.03960 0.03760 0.03620 0.03650 0.03510 0.03550 0.03900 0.04360 9 0.02030 0.02100 0.02100 0.02140 0.02300 0.02270 0.02300 0.02660 0.03140 9 0.03080 0.03170 0.03180 0.03240 0.03470 0.03430 0.03490 0.04010 0.04750 10 0.01640 0.01710 0.01820 0.01950 0.02190 0.02210 0.02240 0.02690 0.03440 10 0.02460 0.02570 0.02730 0.02930 0.03280 0.03320 0.03360 0.04040 0.05150 11 0.01460 0.01530 0.01660 0.01850 0.02110 0.02210 0.02320 0.02950 0.04120 11 0.02180 0.02290 0.02480 0.02750 0.03150 0.03290 0.03470 0.04400 0.06150 12 0.01470 0.01560 0.01690 0.01900 0.02140 0.02220 0.02390 0.03140 0.04420 12 0.02200 0.02320 0.02520 0.02840 0.03200 0.03320 0.03570 0.04690 0.06600 13 0.01490 0.01580 0.01730 0.01950 0.02150 0.02250 0.02490 0.03360 0.04740 13 0.02210 0.02350 0.02570 0.02920 0.03210 0.03370 0.03730 0.05010 0.07080 14 0.01500 0.01600 0.01760 0.02020 0.02170 0.02280 0.02610 0.03590 0.05100 14 0.02240 0.02390 0.02630 0.03010 0.03240 0.03390 0.03890 0.05360 0.07610 15 0.01510 0.01630 0.01800 0.02060 0.02190 0.02300 0.02770 0.03860 0.05480 15 0.02260 0.02430 0.02690 0.03080 0.03270 0.03440 0.04140 0.05770 0.08180 16 0.01530 0.01660 0.01850 0.02110 0.02210 0.02320 0.02950 0.04120 0.05900 16 0.02290 0.02480 0.02750 0.03150 0.03290 0.03470 0.04400 0.06150 0.08800 17 0.01560 0.01690 0.01900 0.02140 0.02220 0.02390 0.03140 0.04420 0.06350 17 0.02320 0.02520 0.02840 0.03200 0.03320 0.03570 0.04690 0.06600 0.09470 18 0.01580 0.01730 0.01950 0.02150 0.02250 0.02490 0.03360 0.04740 0.06830 18 0.02350 0.02570 0.02920 0.03210 0.03370 0.03730 0.05010 0.07080 0.10200 19 0.01600 0.01760 0.02020 0.02170 0.02280 0.02610 0.03590 0.05100 0.07360 19 0.02390 0.02630 0.03010 0.03240 0.03390 0.03890 0.05360 0.07610 0.10990 20 0.01630 0.01800 0.02060 0.02190 0.02300 0.02770 0.03860 0.05480 0.07930 20 0.02430 0.02690 0.03080 0.03270 0.03440 0.04140 0.05770 0.08180 0.11830 21 0.01660 0.01850 0.02110 0.02210 0.02320 0.02950 0.04120 0.05900 0.08540 21 0.02480 0.02750 0.03150 0.03290 0.03470 0.04400 0.06150 0.08800 0.12740 22 0.01690 0.01900 0.02140 0.02220 0.02390 0.03140 0.04420 0.06350 0.09190 22 0.02520 0.02840 0.03200 0.03320 0.03570 0.04690 0.06600 0.09470 0.13720 23 0.01730 0.01950 0.02150 0.02250 0.02490 0.03360 0.04740 0.06830 0.09900 23 0.02570 0.02920 0.03210 0.03370 0.03730 0.05010 0.07080 0.10200 0.14770 24 0.01760 0.02020 0.02170 0.02280 0.02610 0.03590 0.05100 0.07360 0.10650 24 0.02630 0.03010 0.03240 0.03390 0.03890 0.05360 0.07610 0.10990 0.15890 25 0.01800 0.02060 0.02190 0.02300 0.02770 0.03860 0.05480 0.07930 0.11460 25 0.02690 0.03080 0.03270 0.03440 0.04140 0.05770 0.08180 0.11830 0.17090 26 0.01850 0.02110 0.02210 0.02320 0.02950 0.04120 0.05900 0.08540 0.12300 26 0.02750 0.03150 0.03290 0.03470 0.04400 0.06150 0.08800 0.12740 0.18370 27 0.01900 0.02140 0.02220 0.02390 0.03140 0.04420 0.06350 0.09190 0.13220 27 0.02840 0.03200 0.03320 0.03570 0.04690 0.06600 0.09470 0.13720 0.19730 28 0.01950 0.02150 0.02250 0.02490 0.03360 0.04740 0.06830 0.09900 0.14180 28 0.02920 0.03210 0.03370 0.03730 0.05010 0.07080 0.10200 0.14770 0.21170 29 0.02020 0.02170 0.02280 0.02610 0.03590 0.05100 0.07360 0.10650 0.15190 29 0.03010 0.03240 0.03390 0.03890 0.05360 0.07610 0.10990 0.15890 0.22680 30 0.02060 0.02190 0.02300 0.02770 0.03860 0.05480 0.07930 0.11460 0.16260 30 0.03080 0.03270 0.03440 0.04140 0.05770 0.08180 0.11830 0.17090 0.24270 31 0.02110 0.02210 0.02320 0.02950 0.04120 0.05900 0.08540 0.12300 0.17380 31 0.03150 0.03290 0.03470 0.04400 0.06150 0.08800 0.12740 0.18370 0.25950 32 0.02140 0.02220 0.02390 0.03140 0.04420 0.06350 0.09190 0.13220 0.18550 32 0.03200 0.03320 0.03570 0.04690 0.06600 0.09470 0.13720 0.19730 0.27680 33 0.02150 0.02250 0.02490 0.03360 0.04740 0.06830 0.09900 0.14180 0.19760 33 0.03210 0.03370 0.03730 0.05010 0.07080 0.10200 0.14770 0.21170 0.29490 34 0.02170 0.02280 0.02610 0.03590 0.05100 0.07360 0.10650 0.15190 0.21010 34 0.03240 0.03390 0.03890 0.05360 0.07610 0.10990 0.15890 0.22680 0.31360 35 0.02190 0.02300 0.02770 0.03860 0.05480 0.07930 0.11460 0.16260 0.22280 35 0.03270 0.03440 0.04140 0.05770 0.08180 0.11830 0.17090 0.24270 0.33260 36 0.02210 0.02320 0.02950 0.04120 0.05900 0.08540 0.12300 0.17380 0.23600 36 0.03290 0.03470 0.04400 0.06150 0.08800 0.12740 0.18370 0.25950 0.35220 37 0.02220 0.02390 0.03140 0.04420 0.06350 0.09190 0.13220 0.18550 0.24910 37 0.03320 0.03570 0.04690 0.06600 0.09470 0.13720 0.19730 0.27680 0.37190 38 0.02250 0.02490 0.03360 0.04740 0.06830 0.09900 0.14180 0.19760 0.26240 38 0.03370 0.03730 0.05010 0.07080 0.10200 0.14770 0.21170 0.29490 0.39170 39 0.02280 0.02610 0.03590 0.05100 0.07360 0.10650 0.15190 0.21010 1.00000 39 0.03390 0.03890 0.05360 0.07610 0.10990 0.15890 0.22680 0.31360 1.00000 40 0.02300 0.02770 0.03860 0.05480 0.07930 0.11460 0.16260 0.22280 1.00000 40 0.03440 0.04140 0.05770 0.08180 0.11830 0.17090 0.24270 0.33260 1.00000 41 0.02320 0.02950 0.04120 0.05900 0.08540 0.12300 0.17380 0.23600 1.00000 41 0.03470 0.04400 0.06150 0.08800 0.12740 0.18370 0.25950 0.35220 1.00000 42 0.02390 0.03140 0.04420 0.06350 0.09190 0.13220 0.18550 0.24910 1.00000 42 0.03570 0.04690 0.06600 0.09470 0.13720 0.19730 0.27680 0.37190 1.00000 43 0.02490 0.03360 0.04740 0.06830 0.09900 0.14180 0.19760 0.26240 1.00000 43 0.03730 0.05010 0.07080 0.10200 0.14770 0.21170 0.29490 0.39170 1.00000 44 0.02610 0.03590 0.05100 0.07360 0.10650 0.15190 0.21010 1.00000 1.00000 44 0.03890 0.05360 0.07610 0.10990 0.15890 0.22680 0.31360 1.00000 1.00000 45 0.02770 0.03860 0.05480 0.07930 0.11460 0.16260 0.22280 1.00000 1.00000 45 0.04140 0.05770 0.08180 0.11830 0.17090 0.24270 0.33260 1.00000 1.00000 46 0.02950 0.04120 0.05900 0.08540 0.12300 0.17380 0.23600 1.00000 1.00000 46 0.04400 0.06150 0.08800 0.12740 0.18370 0.25950 0.35220 1.00000 1.00000 47 0.03140 0.04420 0.06350 0.09190 0.13220 0.18550 0.24910 1.00000 1.00000 47 0.04690 0.06600 0.09470 0.13720 0.19730 0.27680 0.37190 1.00000 1.00000 48 0.03360 0.04740 0.06830 0.09900 0.14180 0.19760 0.26240 1.00000 1.00000 48 0.05010 0.07080 0.10200 0.14770 0.21170 0.29490 0.39170 1.00000 1.00000 49 0.03590 0.05100 0.07360 0.10650 0.15190 0.21010 1.00000 1.00000 1.00000 49 0.05360 0.07610 0.10990 0.15890 0.22680 0.31360 1.00000 1.00000 1.00000 50 0.03860 0.05480 0.07930 0.11460 0.16260 0.22280 1.00000 1.00000 1.00000 50 0.05770 0.08180 0.11830 0.17090 0.24270 0.33260 1.00000 1.00000 1.00000 Incidence Table 0.65 Per 1000 Incidence Rates Select and Ultimate Adjustment Age Male Female Year S

i need this in 12hours write in different docs Assignment 1 Think

i need this in 12hours write in different docs  Assignment 1  Think about a big-ticket item (expensive product or service) that you recently purchased. After explaining the purchase, relate the consumer decision-making process to your purchase; refer to the lesson. Think about how your culture influenced this purchase and whether the company’s advocacy of environmental issues influenced your decision. Include responses to the questions below. 1. What are the steps of the consumer decision-making process, and how did your decision progress through each step? 2. How did the values and norms within your culture influence your purchase? 3. If the company that you were considering purchasing from advocated for environmental issues or other socially responsible behavior, would that have influenced your decision? 4. At what point would price have superseded either your cultural values or environmental advocacy discussed in questions two and three? Your completed assignment should be a minimum of three double-spaced pages. Please use a minimum of two credible sources to support your reasoning. Referenced sources must have accompanying citations complying with APA guidelines. Format your case study in accordance with APA style.   Assignment 2   Imagine that you are a well-known blogger. You like to create blogs that are designed to educate your readers about abnormal psychology. For this assignment, you will write your next blog. In your blog posting, please cover the following.  Introduce Diagnostic and Statistical Manual of Mental Disorders (DSM-5), along with at least two other diagnostic tools. Remember that your readers have never heard of DSM-5, so you need to explain in your own words how this manual is used.  Introduce and explain the topic of cultural competency to your readers so that they know how psychology aims to be inclusive and account for cultural differences. Your blog post should be compiled in a Word document. Feel free to be creative by adding graphics, charts, etc. to your post. It should be at least two pages in length and follow proper APA formatting and guidelines. Please include a reference page. The reference page does not count towards the total page requirement for this assignment. 

Name three ways in which political information is available on

Question Name three ways in which political information is available on the Web. Use political party websites, interest group websites, government websites, media outlets, etc.

python programming (computer science related )

do the exercise in atom and write all the instruction and all the logic and algorithm. 

need a 1500 word report on a dataset using IBM Watson Analytics

need a 1500 word report on a dataset using IBM Watson Analytics Report…,……… more work would be given once this is done..,…. Looking for a quality plagfree work.

watch some videos before u do powerpointdo one powerpoint of art history,

watch some videos before u do powerpointdo one powerpoint of art history, and write the words, when speekingthe presentation is 5 mins

Assignment 2 – Threats to the Global Environment PowerPoint Deck and Their Counterarguments

 The United Nations has continued to retain you as a consultant for a two-part project. Many member states are dissatisfied with the progress of the eight Millennium Development Goals for international development that were established by that body in 2000. They see a substantial disconnect between what issues developed and developing countries believe are priorities. For example, Burundi wants one of the goals to focus on food security, while Austria is adamant that a major global issue should be the negotiation of ceasefires in countries in the midst of civil wars. PART I – Initial Argument You have been asked to identify issues you feel most impact the global environment unfavorably, so of the eight major threats listed below, choose the four that you consider the most critical. Energy sources Civil war Globalization Poor health of entire populations Lack of educational opportunities Cultural taboos Inappropriate uses of technology Climate change Your UN contract calls for you to: Develop a minimum of four slides per issue, for a minimum total of 16 slides. Provide at least a paragraph on each slide in the notes section (see the example at the right) that includes a history of each issue and what type of economic, political, social or environmental threat the problem poses to populations in the developing world. To review how to configure your PowerPoint slides, please refer to your com account or reach out to your instructor ahead of time. For each issue, use one of your four slides to create a graph or chart that analyzes the data you have collected. PART II – Counterargument Some member states are challenging your four recommendations from above and questioning why you did not include other issues they believe should be priorities. As such, there are four remaining threats in the list of major global issues that you did not include in your PowerPoint deck. 1. Choose two of these four major threats and write one solid paragraph on each one (each being at least three-quarters of a page long) explaining why they are less of a priority to the global environment than the four you selected in the first part of the assignment. 2. Each counterargument must include: an opening statement describing why the issue might be perceived by some as a threat; three reasons arguing why you did not identify each of the two issues as a threat; and a conclusion 3. For the entire two-part assignment, cite at least ten (10) credible sources excluding Wikipedia, dictionaries, and encyclopedias. These must be full citations using the Strayer Writing Standards (see below).  Do not list sources by their URLs (i.e., www.______.com). 4. For a brief list of resources for this assignment, please see the end of the course guide. This course requires use of Strayer Writing Standards (SWS) for the citation of your sources (you may no longer use APA), so please take a moment to review the SWS documentation for details.  The specific course learning outcomes associated with this assignment are: to determine how environmental pollution is depleting the Earth of its natural resources and the proposals to mitigate pollutionâ€s most damaging consequences; and to identify the major threats that are most critical to the health and welfare of global communities. Note: Grading for this assignment will be based on the quality of your answers, the logic and organization of the paper, your use of language and your writing skills.

Question Assume that you work for the organization that was the subject of

Assume that you work for the organization that was the subject of the ethics complaint. You will describe the ethics scandal and stakeholders. Then, using at least two of the articles below, explain how you will update your organization’s CSR policy to avoid similar ethics breaches going forward and regain public trust.Please research a current (within the past 2 years) scandal involving online privacy. You may use scholarly or credible news sources for the background information (for example, Wall Street Journal, New York Times), but not blogs or news aggregators (such as Huffington Post).In this assignment, you provide an analysis of a company that is not following its CSR and ethics policies. You will be presenting your response in a short paper. To earn maximum points:The paper should be 4-5 pages in length (not including title and reference pages) and must follow APA 6th edition guidelines, use Time New Roman, 12-point font, double spacing, with one inch margins.Grammar, spelling, punctuation, sentence/paragraph structure do matter; spend time editing your paper. Suggest giving yourself a three-day cooling off period between finishing the paper and editing the paper; this approach can make a difference in what you catch and correct.You must use and cite to the articles listed above, and include at least one additional resource.The 2 articles to use and cite are uploaded. need to find one more to use and cite. thank you

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There are several environmental laws, regulations, and policies that currently influence your

There are several environmental laws, regulations, and policies that currently influence your life, and they include the following: NEPA The Clean Air Act The Clean Water Act The Endangered Species Act The Superfund CITES The Montreal Protocol The Basel Convention Choose one of these environmental regulations, or another policy that interests you; then, research your chosen regulation or policy’s requirements and environmental and economic impacts. Remember that the Strayer Library is a good place to start. http://research.strayer.edu Write a 3–5-page paper in which you do the following: Describe three key elements of the regulation or policy you chose. Specifically, discuss who is affected and what actions they are required to undertake, including federal and state agencies and specific industries, and how these requirements are enforced. Assess three effects this regulation or policy had on our environment. Next, quantify its effects, if possible, to analyze whether or not the regulation had the desired effect on the environment. Discuss three economic effects of your chosen policy or regulation. Next, describe the direct costs of implementation, as well as the effect the regulation has had on economic growth. If possible, find a benefits/cost analysis that will provide you with objective analyses of this regulation’s economic impact. Speculate whether or not you believe that this policy or regulation has been successful overall. Next, debate whether or not your chosen policy or regulation has promoted environmental benefits or outweighed its economic costs. Lastly, determine whether you would recommend renewing this policy or regulation when it comes to its expiration date, or whether you should let the policy or regulation expire. Justify your response. Use at least 5 (5) quality resources/references in this assignment, in addition to the course text. Note: Wikipedia and personal blogs do not qualify as quality resources. Your assignment must follow these formatting requirements: This course requires the use of new Strayer Writing Standards (SWS). The format is different than other Strayer University courses. Please take a moment to review the SWS documentation for details. Be typed, double-spaced, using Times New Roman font (size 12), with 1-inch margins on all sides; citations and references must follow SWS format. Check with your professor for any additional instructions. Include a cover page containing the title of the assignment, your name, your professor’s name, the course title, and the date. The cover page and the reference page are not included in the required assignment page length. The specific course learning outcomes associated with this assignment are as follows: Analyze the negative and positive impacts of human interaction with a specified ecosystem. Determine the fundamental principles of ecosystems and ecology. Assess the impact and effectiveness of environmental conservation methods and policy . 

Research the Internet or Strayer Library for recent litigation, censures, and fines

Research the Internet or Strayer Library for recent litigation, censures, and fines involving national public accounting firms.  Examples of litigation cases against national public accounting firms include fines by regulatory authorities and censures by professional societies. To complete Assignment 2, find examples of litigation, censures and fines from within the past two (2) years. Write a three to four (3-4) page paper in which you: Analyze the primary accounting issues which form the crux of the litigation or fine for the firm and indicate the impact to the firm as a result of litigation or fine. Make sure that the examples you provide are from within the last two (2) years. Provide support for your rationale. Examine the key inferences of corporate ethics related to internal controls and accounting principles which lead to the litigation or fine for the accounting firm. Evaluate the primary ethical standards of the accounting organization’s leadership and values that contributed to approval of the accounting issues and thus created the litigation or fines in question. Identify specific conduct violations committed by the organization and accounting firm in question. Next, create an argument supporting the actions against the organization and accounting firm, based on the current professional code of conduct for independent auditors and management accountants. Make a recommendation as to how regulators and professional societies may prevent the type of behavior in question in the future. Provide support for your rationale. Use at least two (2) quality academic resources in this assignment. Note: Wikipedia and similar websites do not qualify as academic resources. You have access to Strayer University’s Online Library at https://research.strayer.edu or iCampus University Library Research page at https://icampus.strayer.edu/library/research. Your assignment must follow these formatting requirements: This course requires use of new Strayer Writing Standards (SWS). The format is different than other Strayer University courses. Please take a moment to review the SWS documentation for details. Be typed, double spaced, using Times New Roman font (size 12), with one-inch margins on all sides; citations and references must follow SWS or school-specific format. Check with your professor for any additional instructions. Include a cover page containing the title of the assignment, the student’s name, the professor’s name, the course title, and the date. The cover page and the reference page are not included in the required assignment page length.  The specific course learning outcomes associated with this assignment are: Determine the appropriateness of decision making in terms of professional standards and ethics. Apply advanced federal taxation concepts to business situations.

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