Shylock Bank offers a savings account with an effective interest rate of 9% and quarterly compounding. What is the nominal rate (APR) on the account?

The scale descriptors "never," "rarely," "sometimes," "often," and "very often" are commonly used when studying the ________ construct (Table 9.3 in the text)

A) attitude B) satisfaction C) purchase frequency D) purchase intent

The appropriate tests of controls for separation of duties are ordinarily restricted to the auditor's observations of activities and discussions with personnel

Indicate whether the statement is true or false