Which of the following is the correct formula for calculating the future value?

The APR must be re-disclosed on a regular loan if:

a. It is more than 1% greater than it was at the time of its initial disclosure b. It varies by more than one eighth of 1% from its initial disclosure c. It varies by more than one half of 1% from its initial disclosure d. 30 days have elapsed since the time of the initial disclosure

Steve has only 20 minutes to have lunch. Although he really likes McDonald's, the line is very long and he is concerned that he will not have a chance to get through the line and eat his lunch before he is due back at work

Steve perceives ________ risk in going to McDonald's today. A) time B) functional C) physical D) psychological E) social