The type of form that facilitates the easy separation of the various copies from one another because of a perforated paper strip at the top of the form is the

What carcinogenic substance must be enclosed or encapsulated to prevent its disintegration and inhalation?

A. Radon B. Lead base paint C. Urea-formaldehyde D. Asbestos

You own an annuity due contract that will pay you $3,000 per year for 12 years

You need money to pay back a loan in 5 years, and you are afraid if you get the annuity payments annually you will spend the money and not be able to pay back your loan. You decide to sell your annuity for a lump sum of cash to be paid to you five years from today. If the interest rate is 8%, what is the equivalent value of your 12-year annuity if paid in one lump sum five years from today? A) $22,008 B) $18,000 C) $38,880 D) $35,876