The severity of harassment is judged from the perspective of:
A. the victim.
B. the employer.
C. the jury.
D. a reasonable person in the victim's position.
Ans: D. a reasonable person in the victim's position.
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Terry, a resident of Little Rock, Arkansas, found himself in financial distress, and went to a “payday loan” office to get a short-term loan. He was given a 2-week loan in the amount of $1,000, with the interest charged for the two weeks being $50. Assuming that Arkansas law applies to this transaction:
A. The loan is illegal since the usury rate in Arkansas for a loan of this kind is 17 B. The loan is legal since the usury law in Arkansas does not apply to short term loans (less than 30 days). C. The loan is legal since the amount of the debt is less than $5,000 and therefore does not fall under Arkansas usury laws D. The loan is legal since the Arkansas legislature recently repealed all usury laws in Arkansas E. The loan is legal since the annual interest rate in this case is only 5%
What is one difference between savings and loan associations and mutual savings banks?
A) Only savings and loan associations make loans for home mortgages. B) Only mutual savings banks have recently ventured into life insurance and mutual funds. C) Mutual savings banks are owned by their depositors, rather than by shareholders. D) Only mutual savings banks are considered financial institutions. E) Savings and loan associations are strictly nonprofit, whereas all mutual savings banks are for-profit.