Why is the most common interest-rate model used to describe the behavior of interest rates a one-factor model?

What will be an ideal response?

In practice, one-factor models are used because of the difficulty of applying even a two-factor model. In addition, there is empirical evidence that supports one-factor models. Thus, due to the greater simplicity and applicability of one-factor models, they are preferred over two-factor models.

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Basic regulation of the housing and construction industries is accomplished by:

A: State Housing Act; B: Local building codes; C: The state Contractor's License Law; D: All of the above.

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Which of the following cultural layers reflects the ecological, economic, and sociopolitical factors that determine the development of institutions within a culture?

A) collective reality B) individual reality C) sociopsychological processes D) psychological structures

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