A z-test is a univariate hypothesis test using the standard normal distribution

A young couple is applying for a loan for a new home purchase. A portion of their down payment is a loan from a Grandparent for $25,000. The money was already given to them and placed in their account three months prior to the loan application. The loan payments won't start for one year, how should the $25,000 be reported on the mortgage application?

A. Asset B. A Liability C. Gift of funds D. Not reported at all

Which tactic would most likely be used by buyers trained in price negotiation?

A) product compromise B) sixty-forty C) budget limitation D) cards on the table E) maybe...if