The effective annual rate (EAR) for a loan with a stated APR of 11% compounded quarterly is closest to ________

A) 12.61%
B) 13.75%
C) 11.46%
D) 14.90%

Answer: C

Business

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Some legal experts believe that the pressures of global competition have resulted in an increased incidence of price-fixing and collusion among companies

Indicate whether the statement is true or false

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Creativity can be viewed as a fourfold process consisting of all of the following EXCEPT ________

A) stimulation B) innovation C) incubation D) inspiration E) perception

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