Lipscomb Corporation is estimating its WACC. Its target capital structure is 20 percent debt, 20 percent preferred stock, and 60 percent common equity. Its bonds have a 12 percent coupon, paid semiannually, a current maturity of 20 years, and sell for 1,000 USD. The firm could sell, at par, 100 USD preferred stock which pays a 12 percent annual dividend, but flotation costs of 5 percent would be incurred. Libscomb is a constant-growth firm which just paid a dividend of $2.00, sells for 27.00 USD per share, and has a growth rate of 8 percent. The firm's marginal tax rate is 40.

Required:
a. What is Rollins' cost of common stock using the bond-yield-plus-risk-premium approach?
b. What is Rollins' WACC?

Answers

Answer 1

Answer:

a. 16%

b.  13.566%

Explanation:

The weighted average cost of capital is the rate that a company is expected to pay on average to all its security holders to finance its assets. The WACC is commonly referred to as the firm's cost of capital.

DATA

P is price = 27

G is growth = 8%

Tax rate = 40%

Requirement a.

When the market rate of bond is equal to par value then yield is equal to the coupon rate

Tax rate = 12(1-0.4) = 7.2%

Cost of preferred stock = dividend/price

There will be a 5% floatation cost so net proceeds is 95

Cost of preferred stock = 12/95 = 12.63%

Cost of equity = D1/P + g

Where D1 is dividend for year 1 = 2+8% = 2.16

Cost of equity = 2.16/27 + 0.08

Cost of equity = 16%

Requirement  b

Wacc = 7.2×20% + 12.63×20% + 16×60%

Wacc = 13.566%


Related Questions

A company has the following aging schedule of its accounts receivable with the estimated percent uncollectible:______.
Age Group Amount Receivable Estimated Percent Uncollectible
Not yet due $ 175,000 4 %
0-60 days past due $ 40,000 10 %
61-120 days past due $ 10,000 30 %
More than 120 days past due $ 5,000 60 %
Assuming the balance of Allowance for Uncollectible Accounts is $3,000 (credit) before adjustment, which of the following would be recorded in the year-end adjusting entry?

Answers

Answer: $14,000

Explanation:

Estimated Uncollectible = (4% * 175,000) + ( 10% * 40,000) + ( 30% * 10,000) + (60% * 5,000)

= 7,000 + 4,000 + 3,000 + 3,000

= $17,000

The credit balance on the Allowance account will be used to account for some of the uncollectibles. The remaining amount will be the year-end adjusting entry;

= 17,000 - 3,000

= $14,000

Bonita Beauty Corporation manufactures cosmetic products that are sold through a network of sales agents. The agents are paid a commission of 18% of sales. The income statement for the year ending December 31, 2014, is as follows.
BONITA BEAUTY CORPORATION
Income Statement For the Year Ended December 31, 2014
Sales $75,000,000
Cost of goods sold
Variable $31,500,000
Fixed 8,610,000 40,110,000
Gross margin $34,890,000
Selling and marketing expenses
Commissions $13,500,000
Fixed costs 10,260,000 23,760,000
Operating income $11,130,000
The company is considering hiring its own sales staff to replace the network of agents. It will pay its salespeople a commission of 8% and incur additional fixed costs of $7,500,000.
Under the current policy of using a network of sales agents, calculate the Bonita Beauty Corporation

Answers

Answer:

the question is incomplete, so I looked for the requirements of similar questions:

A. Calculate the company’s break-even point in sales dollars for the year 2014 if it hires its own sales force to replace the network of agents.

B. Calculate the degree of operating leverage at sales of $75,000,000 if (1) Bonita Beauty uses sales agents, and (2) Bonita Beauty employs its own sales staff.

a) total sales = $75,000,000

variable costs:

COGS $31,500,000

commissions $6,000,000

total variable costs = $37,500,000

contribution margin ratio = $37,500,000 / $75,000,000 = 0.5

total fixed costs = $8,610,000 + $10,260,000 + $7,500,000 = $26,370,000

break even point in $ = $26,370,000 / 0.5 = $52,740,000

b) one of the formulas that we can use to calculate the degree of operating leverage is:

operating leverage = fixed costs / total costs

1) total costs using sales agents = $63,870,000

total fixed costs = $8,610,000 + $10,260,000 = $18,870,000

degree of operating leverage = $18,870,000 / $63,870,000 = 29.54%

2) total costs employing its own sales staff = $6,000,000 + $31,500,000 + $26,370,000 = $63,870,000

total fixed costs = $26,370,000

degree of operating leverage = $26,370,000 / $63,870,000 = 41.29%

McKinney & Co. estimates its uncollectible accounts as a percentage of credit sales. McKinney made credit sales of $1,500,000 in 2019. McKinney estimates 2.5% of its sales will be uncollectible. At the end of the first quarter of 2020, McKinney & Co. reevaluates its receivables. McKinney’s management decides that $8,500 due from Mangold Corporation will not be collectible. This amount was previously included in the allowance account. On April 23, 2020, McKinney & Co. receives a check from Mangold Corporation for $8,500.

Required:
Prepare the journal entry to record the write-off for Mckinney.

Answers

Answer:

Debit Allowance for Doubtful Accounts for $8,500; 

Credit Accounts Receivable for $8,500.

Explanation:

The journal entry to record the write-off for Mckinney will look as follows:

McKinney & Co.

Journal Entry

Account title and explanation                  Dr ($)            Cr ($)              

Allowance for Doubtful Accounts           8,500  

Accounts Receivable                                                    8,500

(To record uncollectable amount due from Mangold Corporation.)      

Note that since the management of McKinney decided that $8,500 due from Mangold Corporation will not be collectible, this implies that the Accounts Receivable will reduce by that amount. Therefore, the entries to make to show the reduction in the amount of account receivale by $8,500 is to Debit Allowance for Doubtful Accounts for $8,500 and Credit Accounts Receivable for $8,500.

Edison Leasing leased high-tech electronic equipment to Manufacturers Southern on January 1, 2018. Edison purchased the equipment from International Machines at a cost of $139,107.

Related Information:

Lease term 2 years (8 quarterly periods)
Quarterly rental payments $18,000 at the beginning of each period
Economic life of asset 2 years
Fair value of asset $139,107
Implicit interest rate 4% (Also lessee’s incremental borrowing rate)

Required:
Prepare a lease amortization schedule and appropriate entries for Edison Leasing from the beginning of the lease through January 1, 2019. Edison’s fiscal year ends December 31.

Answers

Answer:

Amortization table

Opening liability Installments Interest Principal payment Closing liability

139,108                    18000          1211         16788.92498                122,319  

122,319                    18000          1043 16956.81423                105,362  

105,362                    18000          873   17126.38238                 88,235  

88,235                      18000          702 17297.6462                 70,938  

70,938                    18000          529 17470.62266                 53,467  

53,467                    18000          354 17645.32889                 35,822  

35,822                    18000          178  17821.78218                 18,000  

18,000                       18000            0                   0                                   0

a stock will pay dividend of $4 at the end of the year. it sells today for $104 and it its dividends are expected grow at a rate of 9%. what is the implied rate of return on this stock

Answers

Answer:

the implied rate of return on the stock is 14.80%

Explanation:

The computation of the implied rate of return is shown below:

The Rate of return is

= (Dividend at year 1  ÷  share price) + growth rate

= ( $6 ÷ 104) + 0.09

= 0.058 + 0.09

= 14.80%

We simply applied the above formula

And, the same is to be considered

hence, the implied rate of return on the stock is 14.80%

CAM charges for retail leases in a shopping mall must be calculated. The retail mall consists of a total area of 2.8 million square feet, of which 800,000 square feet has been leased to anchor tenants that have agreed to pay $2 per rentable square foot in CAM charges. In-line tenants occupy 1.3 million square feet, and the remainder is a common area, which the landlord believeswill require $8 per square foot to maintain and operate each year. If the owner is to cover total CAM charges, how much will in-line tenants have to pay per square foot?

Answers

Answer:

$3.08 per square foot

Explanation:

Calculation for how much will in-line tenants have to pay per square foot

First step is to find the common area

Common area = 2,800,000−800,000−1,300,000 Common area= 700,000

Second step is to find Common area operating costs

Common area operating costs = 700,000×8

Common area operating costs= $5.6 million

Third step is to find the Operating costs charged to in-line tenants

Operating costs charged to in-line tenants = 5,600,000−800,000×2

Operating costs charged to in-line tenants = 4,000,000

Last step is to calculate the In-line CAM charges using this formula

In-line CAM charges=Operating costs charged to in-line tenants -In-line tenants square feet

Let plug in the formula

In-line CAM charges = 4,000,000 ÷ 1,300,000

In-line CAM charges= $3.08

Therefore the amount that in-line tenants have to pay per square foot will be $3.08 per square foot.

3. Identify TWO possible suitable sources of external finance Chris could consider, if the local bank
manager refuses to give him a loan for purchasing a new van for his business. (10 marks)
Please help

Answers

Answer:

Hire Purchase

Loans from friends

Explanation:

Hire purchase

A hire purchase (HP) , is also called an installment plan, it is is an financing contract whereby a customer agrees to acquire an asset by paying an initial deposit and repays the balance of the price plus interest on installment bases  over a period of time .

Loans from friends

These are loans received from friends which are mostly interest free

31. Which one is not the barriers of Enterpreneurship:
(A) Lack of technical skills
(B) Political instability
(C) Technical knowledge
(D) Time pressure and distractions​

Answers

Answer:

d

Explanation:

I think so, I'm not sure

Eastern Edison Company leased equipment from Hi-Tech Leasing on January 1, 2018.


Other information:

Lease term 5 years
Annual payments $79,000 on January 1 each year
Life of asset 5 years
Implicit interest rate 7%
PV, annuity due, 5 periods, 7% 4.3872
PV, ordinary annuity, 5 periods, 7% 4,1002

Hi-Tech's cost of the equipment $346,589 There is no expected residual value.

Required:
Prepare appropriate journal entries for Hi-Tech Leasing for 2018 and 2019. Assume a December 31 year-end.

Answers

Answer:

January 1, 2018

Dr Lease receivable 395,000

Cr Unearned interest revenue 48,411

Cr Equipment inventory 346,589

Dr Cash 79,000

Cr Lease receivable 79,000

December 31, 2018

Dr Unearned interest revenue 18,731

Cr Interest revenue 18,731

January 2019

Dr cash 79,000

Cr lease receivable 79,000

December 31 2019

Dr Unearned interest revenue 14,512

Cr Interest revenue 14,512

Explanation:

Preparation of Journal entries for Hi-Tech Leasing for 2018 and 2019.

January 1, 2018

Dr Lease receivable 395,000

($79,000 x 5)

Cr Unearned interest revenue 48,411

(395,000-346,589)

Cr Equipment inventory 346,589

Dr Cash 79,000

Cr Lease receivable 79,000

December 31, 2018

Dr Unearned interest revenue 18,731

[($346,589- $79,000) x 7%]

Cr Interest revenue 18,731

January 2019

Dr cash 79,000

Cr lease receivable 79,000

December 31 2019

Dr Unearned interest revenue 14,512

[($346,589- $79,000-$60,269) x 7%]

(79,000-18,731=60,269)

Cr Interest revenue 14,512

The following is a partial trial balance for the Green Star Corporation as of December 31, 2021:
Account Title Debits Credits
Sales revenue 1,400,000
Interest revenue 35,000
Gain on sale of investments 55,000
Cost of goods sold 740,000
Selling expenses 185,000
General and administrative expenses 80,000
Interest expense 45,000
Income tax expense 135,000
There were 100,000 shares of common stock outstanding throughout 2021.
Required:
Prepare a single-step income statement for 2021, including EPS disclosures.
Prepare a multiple-step income statement for 2021, including EPS disclosures.

Answers

Answer:

1. Single-Step Income

                         Income statement

Revenues and gains:                             Amount$

Sales revenue                                         1,400,000

Interest revenue                                     35,000

Gain on sale of investment                    55,000    

Total revenues and gains                       1,490,000

Expenses and losses

Cost of goods sold        740,000

General and administrative  80,000  

expenses

Selling expenses                   185,000  

Interest expense                    45,000

Total expenses and losses                     1,050,000

Income before income tax                      440,000

Income tax expense                                -135,000

Net income                                               305,000

EPS = Net income/Number of common shares

EPS = 305,000/100,000

EPS = 3.05

2.  Multi-Step Income

                               Income statement

Particulars                                               Amount$

Sales                                                               1,400,000

Cost of goods sold                                         -740,000

Gross profit                                                      660,000

Operating expenses

General and administrative  80,000

expenses

Selling expenses                    185,000

Total operating expenses                               -265,000

Operating income                                             395,000

Other incomes and expenses

Interest revenue                       35,000  

Gain on sale of investment      55,000  

Interest expense                      -45,000

Total other income, net                                      45,000

Income before income tax                                 440,000

Income tax expense                                          -135,000

Net income                                                         $305,000

EPS = Net income/Number of common shares

EPS = 305,000/100,000

EPS = 3.05

Assume you invested $100,000 into your lawn mowing business, but you could have invested in a similar operation with the same risk and received a 20 percent return. You should expect a “normal profit “ of $ _____________ . (Answer to the nearest whole number of THOUSANDS of dollars)

Answers

Answer:

you would get $20,000

Explanation:

100,000 x .2

You are in the business of producing and selling snow shovels, and you need to determine how many shovels should be produced during each of the next four quarters to meet the following demands: 11,000 shovels in quarter 1; 48,000 shovels in quarter 2; 64,000 shovels in quarter 3; and 15,000 shovels in quarter 4.

Due to labor limitations, at most 65,000 shovels can be produced in any one quarter at a cost of $5/shovel. Additionally, a fixed cost of $30,000 must be paid for any quarter in which shovels are produced. You may assume that any shovels produced during a quarter can be used to satisfy demand for that quarter. At the end of the quarter, a holding cost of $0.50 per shovel in inventory is incurred. Currently, you have no shovels in inventory.

Required:
Formulate an integer-linear program to determine a production schedule that minimizes the sum of production and inventory costs over the next four quarters.

Answers

Answer:

Quarter Production

Q1 11000

Q2 62000

Q3 65000

Q4 0

This will generate lower production and inventory cost as it savesthe fixed cost of 30,000 if we produce in the fourth quarter.

Explanation:

First, we construct the formula for the relevant cost:

Holding Cost: $0.50 per shovel

$0.50 x 2 x (Q2-48,000) + $0.50 x (Q1-11,000) = Holding Cost Q2

$0.50 x 1 x (Q3-64,000) = Holding Cost Q3

First, the restrictions:

P1 P2 P3 P4 are Integer

P1  < 65,000

P2 < 65,000

P3 < 65,000

P4 < 65,000

Then, we have the inventory formulas:

I1  = P1 - S1

I2 = P2 + I1  -S2

I3 = P3 + I2 - S3

I4 = P4 + I3 - S4

The holding cost

H1  = I1  x 0.50

H2 = I2 x 0.50

H3 = I3 x 0.50

H4 = I4 x 0.50

The fixed cost

if P1> 0 then FC1 = 30,000

if P2> 0 then FC2 = 30,000

if P3> 0 then FC3 = 30,000

if P4> 0 then FC4 = 30,000

And last,the total cost:

FC1 + H1 +FC2 + H2 +FC3 + H3 +FC4 + H4 = Total Cost

This is the formula we want to minimize

We place this into excel solver and get the answer:

Minion, Inc., has no debt outstanding and a total market value of $211,875. Earnings before interest and taxes, EBIT, are projected to be $14,300 if economic conditions are normal. If there is strong expansion in the economy, then EBIT will be 20 percent higher. If there is a recession, then EBIT will be 35 percent lower. The company is considering a $33,900 debt issue with an interest rate of 6 percent. The proceeds will be used to repurchase shares of stock. There are currently 7,500 shares outstanding. Assume the company has a tax rate of 21 percent.

Required:
a. Calculate earnings per share, EPS, under each of the three economic scenarios before any debt is issued.
b. Calculate the percentage changes in EPS when the economy expands or enters a recession.
c. Calculate earnings per share, EPS, under each of the three economic scenarios after the recapitalization.
d. Calculate the percentage changes in EPS when the economy expands or enters a recession assuming recapitalization has occurred.

Answers

Answer:

EPS and percentage change is calculated below

Explanation:

Earnings per share (EPS) is the monetary value of earnings per outstanding share of common stock for a company.

a.EPS

                           Recession          Normal        Expansion

EBIT                       9,295                14,300       17,160

Less: Interest                    0                    0              0

Earnings before taxes 9,295          14,300        17,160

Less: Taxes                  (1,952)           (3,003)      (3,604 )

Net Income                 7,343           11,297          13,556

Number of Shares         7,500            7,500           7,500

EPS                               0.979073      1.506267          1.80752

b. Percentage change    

Recession =    (2.683-3.833)/3.833

Recession =   -35.00%  

Expansion 20.00%  

c. EPS

                                              Recession Normal Expansion

EBIT                                    9,295          14,300    17,160

Less: Interest                            (2034)           (2034)     (2034 )

Earnings before taxes             7,261           12,266     15,126

Less: Taxes                             (1,525)            (2,576)      (3,176 )

Net Income                             5,736            9,690      11,950

Number of Shares                     6,300            6,300      6,300

EPS                                             0.91             1.53        1.89

d. Percentage change    

Recession = (2.683-3.833)/3.833

Recession = -40.80%  

Expansion 23.32%  

Value per share = 211875/7500 = $28.25  

Number of shares bought back = 33900/28.25 = 1200 shares

Pharoah Inc. has decided to raise additional capital by issuing $173,000 facevalue of bonds with a coupon rate of 6%. In discussions with investment bankers, it was determined that to help the sale of thebonds, detachable stock warrants should be issued at the rate of one warrant for each $100 bond sold. The value of the bondswithout the warrants is considered to be $155,700, and the value of the warrants in the market is $20,760. The bonds sold in the market at issuance for $174,600.
A. What entry should be made at the time of the issuance of the bonds and warrants?
B. Prepare the entry if the warrants were non-detachable.

Answers

Answer:

A. Dr Cash 174,600

Dr Discount on bonds payable 18,941

Cr Bond Payable 173,000

Cr Paid-in Capital—Stock Warrants

20,541

B. Dr Cash 174,600

Cr Discount on bonds payable 1,600

Cr Bond Payable 173,000

Explanation:

A. Preparation of the Journal entries that should be made at the time of the issuance of the bonds and warrants

Dr Cash 174,600

Dr Discount on bonds payable 18,941

($173,000 - $154,059)

Cr Bond Payable 173,000

Cr Paid-in Capital—Stock Warrants

20,541

[(174,600+18,941)-173,000]

B. Preparation of the journal entry if the warrants were non-detachable Journal entries

Dr Cash 174,600

Cr Discount on bonds payable 1,600

(174,600-173,000)

Cr Bond Payable 173,000

Calculation for value assign to bonds

Value assign to bonds=(155,700/155,700+20,760)*174,600

Value assign to bonds=155,700/176,460*174,600

Value assign to bonds=154,059

Calculation for value assign to warrant

Value assign to warrant=(20,760/155,700+20,760)*174,600

Value assign to warrant=20,760/176,460*174,600

Value assign to warrant=20,541

Pharoah Inc. has decided to raise additional capital by issuing $173,000 facevalue of bonds with a coupon rate of 6%. In discussions with investment bankers, it was determined that to help the sale of thebonds, detachable stock warrants should be issued at the rate of one warrant for each $100 bond sold. The value of the bondswithout the warrants is considered to be $155,700, and the value of the warrants in the market is $20,760. The bonds sold in the market at issuance for $174,600.
A. What entry should be made at the time of the issuance of the bonds and warrants?
B. Prepare the entry if the warrants were non-detachable.

Answers

Answer:

a.                                               Debit         Credit

Cash                                       $174,600

Discount on bond payable   $18,941

        Bonds Payable                                  $173,000

        Paid -in Capital - Stock Warrants    $20,541

Workings

Market value of Bonds        155,700

Market value of Warrants    20,760

Total market value               176,460

Value assigned to Bonds = 174,600 / 176,460 * 155,700 = 154,059

Value assigned to Warrants = 174,600 / 176,460 *20,760 = 20,541

b.                                              Debit       Credit

Cash                                        $174,600

Discount receivable                                 $1,600

         Bonds Payable                                $173,000

In, ​& Sons, a small​ environmental-testing firm, has a small environmental-testing firm, performed 11,400 radon tests for $260 each and 15,000 lead tests for $210 each. Because newer homes are being built with lead-free pipes, lead-testing volume is expected to decrease by 12% next year. However, awareness of radon-related health hazards is expected to result in a 5% increase in radon-test volume each year in the near future. Jim Hart feels that if he lowers his price for lead testing to $200 per test, he will have to face only a 4% decline in lead-test sales in 2018.

Required:
a. Prepare a 2018 sales budget for Hart & Sons assuming that Hart holds prices at 2017 levels.
b. Prepare a 2018 sales budget for Hart & Sons assuming that Hart lowers the price of a lead test to $200.
c. Should Hart lower the price of a lead test in 2018 if the company’s goal is to maximize sales revenue?

Answers

Answer:

A. $5,884,200

B. $5,992,200

C. If the company's aim and objective is for them to maximize their sales revenue then they should go ahead and lower the selling price of lead tests in 2018

Explanation:

a. Preparation of 2018 sales budget for Hart & Sons assuming that Hart holds prices at 2017 levels

Sales budget

For the year ended December 31, 2018

Selling price Units sold Total Revenue

Radon tests

$260 *11,970 =$3,112,200

(11,400 x 1.05 = 11,970)

Lead tests $210*13,200= $2,772,000

(15,000 x 0.88 = 13,200)

(100%-12%=88%)

Total $5,884,200

$3,112,200+$2,772,000

b. Preparation of 2018 sales budget (lower price)

Sales budget

For the year ended December 31, 2018

Selling price Units sold Total Revenue

Radon tests

$260 *11,970 =$3,112,200

(11,400 x 1.05 = 11,970)

Lead tests $200*14,400= $2,880,000

(15,000 x 0.96 = 14,400)

(100%-4%=96%)

Total $5,992,200

$3,112,200+$2,880,000

C. If the company's aim and objective is for them to maximize their sales revenue then they should go ahead and lower the selling price of lead tests in 2018

In an example, a local church is made up of people who are very different in their lifestyles and their stages of life. Mary is a 23-year-old single parent who earns the minimum wage. Jonathan is 60 years old, extremely wealthy, and works because he enjoys it. Jane is a 45-year-old lawyer who earns well and is well-respected in her profession. She is extremely career-oriented and is proud of her achievements. Which of the following do you think would motivate Jonathan the most?
a. safety
b. physiological
c. self-actualization
d. growth
e. esteem

Answers

Answer:

C) Self actualization

Explanation:

From the question, we are informed about example of alocal church is made up of people who are very different in their lifestyles and their stages of life, we are told if Mary who is is a 23-year-old single parent who earns the minimum wage. Jonathan is 60 years old, extremely wealthy, and works because he enjoys it. Jane is a 45-year-old lawyer who earns well and is well-respected in her profession. She is extremely career-oriented and is proud of her achievements.

In this case, self actualization would motivate Jonathan the most. This is because self actualization can be regarded as self fulfilment, it is when one fully realize his/her potential and gives appreciation, and here

Jonathan is 60 years old, and described as extremely wealthy, and works because he enjoys it. Hence self actualization is the best answer.

A small nation of 10 people idolizes the TV show The Voice. All they produce and consume are karaoke machines and CDs, in the following amounts:

Karaoke Machines CDs
Quantity Price(Dollars) Quantity Price (Dollars)
2020 20 50 60 5
2021 21 70 80 6

Using a method similar to that used to calculate the consumer price index, the percentage change in the overall price level is_____________ . (Note: Use 2020 as the base year, and fix the basket at 2 karaoke machines and 6 CDs.) Using a method similar to that used to calculate the GDP deflator, the percentage change of the overall price level is_____________ . (Note: Again, use 2020 as the base year.) Which of the following statements is correct? Check all that apply.

a. The inflation rate in 2021 is not the same using the two methods.
b. The CPI allows the basket of goods and services to change.
c. The GDP deflator holds the basket of goods and services constant.

Answers

Answer:

The inflation rate is different using the two methods as the rate of inflation calculated by the CPI holds basket of goods and services constant while the GDP deflator allows it to change.

Explanation:

i. Value of market basket of the good in 2020 = ($50*2) + ($5*6) = $130  

Value of market basket of the good in 2021 = ($70*2) + ($6*6) = $176

CPI in 2020 = ($130 / $130) * 100 = 100

CPI in 2021 = ($176 / $130) * 100 = 135.38  

Thus, The percentage change in overall price level is = [(135.38 - 100) / 100) * 100 = 35.38%

ii. Nominal GDP in 2020 = ($50 * 20) + ($5 * 60) = $1300

Nominal GDP in 2021 = ($70 * 21) + ($6 * 80) = $1950

Real GDP in 2020 = ($50 * 20) + ($5 * 60) = $1300

Real GDP in 2021 = ($50 * 21) + ($5 * 80) = $1450

GDP deflator in 2020 = (Nominal GDP in 2107 / Nominal GDP in 2107) * 100 = ($1300 / $1300) * 100 = 100

GDP deflator in 2021 = (Nominal GDP in 2108 / Nominal GDP in 2108) * 100 = ($1950 / $1450) * 100 = 134.48

Thus, the percentage change in overall price level is = [(134.48 - 100) / 100) * 100 = 34.48%

The current portion of long-term debt should
a. be paid immediately
b.not be separated from the long-term portion of debt
c. be reclassified as a current liability
d. be classified as a long-term liability

Answers

D. be classified as a long term liability

The current portion of long-term debt should be classified as a long-term liability. Thus, option (d) is correct.

What is debt?

The phrase “debt” refers to the money that one can borrow. Debt is the cash raised by issuing bonds or debentures.

A company's ability to pay off a long-term debt's current component within a year is represented by this number. So, a sum of this magnitude that is due in the next 12 months shouldn't be listed as a long-term liability.

Therefore, option (d) is correct.

Learn more about on debt, here:

https://brainly.com/question/17286021

#SPJ2

Theresa works as a Risk Management Specialist for an investment corporation. Which best describes her educational pathway?

A. an associate’s degree, then a bachelor’s degree
B. a master’s degree, then vocational school
C. vocational school, then an associate’s degree
D. a bachelor’s degree, then a master’s degree

Answers

Answer:

The answer is b

Explanation:

i'm doing the unit test right now

Answer:

I feel that the correct answers is D because to become a Risk Management Specialist you must have a bachelors in business and most likely a master.

Explanation:

The following are a trial balance and several transactions that relate to Lewisville's Concert Hall Bond Fund:


Lewisville Debt Service Fund Concert Hall Bond Fund Trial Balance July 1, 2012

Cash $60,000
Investments 40,000
Restricted fund balance $100,000
$100,000 $100,000

The following transactions took place between July 1, 2012, and June 30, 2013:


1. The city council of Lewisville adopted the budget for the Concert Hall Bond Fund for the fiscal year. The estimated revenues totaled $100,000, the estimated other financing sources totaled $50,000, and the appropriations totaled $125,000.
2. The General Fund transferred $50,000 to the fund.
3. To provide additional resources to service the bond issue, a property tax was levied upon the citizens. The total levy was $100,000, of which $95,000 was expected to be collected.
4. Property taxes of $60,000 were collected.
5. Revenue received in cash from the investments totaled $1,000.
6. Property taxes of $30,000 were collected.
7. The fund liability of $37,500 for interest was recorded, and that amount of cash was transferred to the fiscal agent.
8. A fee of $500 was paid to the fiscal agent.
9. Investment revenue totaling $1,000 was received in cash.
10. The fund liabilities for interest in the amount of $37,500 and principal in the amount of $50,000 were recorded, and cash for the total amount was transferred to the fiscal agent.
11. Investment revenue of S500 was accrued. Use the preceding information to do the following:
a. Prepare all the journal entries necessary to record the preceding transactions for the Concert Hall Bond Fund.
b. Prepare a trial balance for the Concert Hall Bond Fund as of June 30, 2013.
c. Prepare a statement of revenues, expenditures, and changes in fund balance and a balance sheet for the Concert Hall Bond Fund (assume all fund balance is restricted).
d. Prepare closing entries for the Concert Hall Bond Fund

Answers

Answer:

a. Journal entries

1. Estimated revenues (Dr.) $100,000

Estimated other financing sources (Dr.) $50,000

Appropriations (Cr.) $125,000

Fund Balance Budget (Cr.) $25,000

2. Cash (Dr.) $50,000

General Fund Transfer (Cr.) $50,000

3. Property Tax receivable (Dr.) $100,000

Uncollectable Taxes (Cr.) $5,000

Collectable Property taxes revenue (Cr.) $95,000

4. Cash (Dr.) $60,000

Collectable property tax revenue (Cr.) $60,000

5. Cash (Dr.) $1,000

Revenue From Investments (Cr.) $1,000

6. Cash (Dr.) $30,000

Collectable property tax revenue (Cr.) $30,000

7. Interest expense (Dr.) $37,500

Interest Payable (Cr.) $37,500

8. Fiscal Agent fee (Dr.) $500

Cash (Cr.) $500

9. Cash (Dr.) $1,000

Investment Revenue (Cr.) $1,000

10. Interest Expense (Dr.) $37,500

Principal payment (Dr.) $50,000

[Fiscal Agent] Cash (Cr.) $87,500

11. Investment Revenue Receivable (Dr.) $500

Investment Revenue (Cr.) $500

Explanation:

b. Trial Balance

Particulars : Debit (Dr.) $ ; Credit (Cr.) $

Cash: 76,500 ; 0

Property Taxes receivable 10,000 ; 0

Allowance for uncollectable property 0 ; 5,000

Investments 40,000 ; 0

Investment revenue receivable 500 ; 0

Restricted fund balance 0 ; 100,000

Revenue - property taxes 0 ; 95,000

Revenue- Investments  0 ; 2,500

Transfer to general fund 0 ; 50,000

Interest Expense 75,000 ; 0

Bond principal 50,000 ; 0

Fiscal agent fees 500 ; 0

Estimated revenues 100,000 ; 0

Estimated other financing sources 50,000 ; 0

Appropriations 0 ; 125,000

Fund balance Budget 0 ; 25,000

Which of the following best defines "Isolationist.?

a. The concept that a whole can derive more value than the combination of the individual parts. A common expression in defining synergy is 1+1 = 3, or each piece derives more value that it would on its own.
b. Two or more systems that depend or support one another, often achieving mutual benefit.
c. The process of international integrating arising from the interchange of world views, products, ideas, and other aspects of culture.
d. The notion that we have certain rights and responsibilities towards each other by the mere fact of being human on Earth.
e. Pertaining to a national (or group) policy of non-interaction with other nations (or groups).

Answers

Answer:

e. Pertaining to a national (or group) policy of non-interaction with other nations (or groups).

Explanation:

Isolationist is a strategic approach pertaining to a national (or group) policy of non-interaction with other nations (or groups). This ultimately implies that, an isolationist refers to a country that has a diplomatic policy of non-interaction or avoiding to have any form of alliance with other countries.

Generally, countries choose to practice isolationism because they want to avoid foreign economic commitments, preserve her identity and culture, protect its territory, etc. Between 1641 to 1853, The Tokugawa shogunate of Japan adopted isolationism known as "Kaikin" which made it avoid contact or alliance with other countries. Also, in 1930 China was isolationist by banning all maritime shipping activities.

Mathias Corporation manufactures and sells wire rakes. The rakes sell for $20 each. Information about the company's costs is as follows.

Variable manufacturing cost per unit $6
Variable selling and administrative cost per unit 2
Fixed manufacturing overhead per month $300,000
Fixed selling and administrative cost per month 600,000

Required:
a. Determine the company's monthly break-even point in units.
b. Determine the sales volume (in dollars) required for a monthly operating income of $1,200,000.
c. Compute the company’s margin of safety if its current monthly sales level is $2,500,000.
d. Estimate the amount by which monthly operating income will increase if the company anticipates a $100,000 increase in monthly sales volume.

Answers

Answer:

a. 75,000 units

b. $1,700,000

c. 0.40 or 40 %

d. $60,000

Explanation:

Break-even point is the level of activity where a firm neither makes a profit nor a loss.

Break-even point (units) = Fixed Costs ÷ Contribution per unit

Where,

Contribution per unit = Unit Selling Price  less Variable Costs per unit

                                   = $20 - $6 - $2

                                   = $12.00

Therefore,

Break-even point (units) = ($300,000 + $600,000) ÷ $12.00

                                        = 75,000 units

Sales (dollars) to reach target profit = (Fixed Costs + Target Profit) ÷ Contribution Margin Ratio

Where,

Contribution Margin Ratio = Contribution ÷ Sales

                                           = $12.00 ÷ $20.00

                                           = 0.60

Therefore,

Sales (dollars) to reach target profit = ($300,000 + $600,000 + 1,200,000) ÷ 0.60

                                                           = $1,700,000

Margin of Safety = (Sales level - Break-even Sales level) ÷ Sales level

                            = ($2,500,000 - $1,500,000) ÷ $2,500,000

                            = 0.40 or 40 %

Calculation of Incremental Monthly Operating Income                          

Incremental Sales                                                    $100,000

Less Incremental Variable Costs (5,000 × $8)      ($40.000)

Incremental Contribution                                         $60,000

Less Incremental Fixed Costs                                           $0

Incremental Operating Income                                $60,000

Lambert Company acquired machinery costing $110,000 on January 2, 2019. At that time, Lambert estimated that the useful life of the equipment was 6 years and that the residual value would be $15,000 at the end of its useful life. Compute depreciation expense for this asset for 2019, 2020, and 2021 using the:

Answers

Compute depreciation expense for this asset for 2016, 2017, and 2018 using the a. Straight-line method b. Double-declining balance method C. Assume that on January 2, 2018, Lambert revised its estimate of the useful life to 7 years and changed its estimate of the residual value to $ 10,000. What effect would this have on depreciation expense in 2018 for each of the above depreciation methods?

Answer:

The answer is below

Explanation:

(a) Under straight-line method,

We have depreciation expense to be (cost - residual value) ÷ No of years =

=>  ($110,000 - $15,000) ÷ 6 years = $15,833 yearly depreciation expense.

Hence, the year depreciation expense of $15,833 is applicable to all the Years 2016, 2017 and 2018.

Therefore, sum of depreciation for all the three years is calculated as

=> $15,833 * 3 years = $47,499.

(b) Under the double-declining method

We have = 2 * SLDP * BV

Where SLDP = Straight - Line Depreciation Percentage

BV = Book value

Hence, SLDP is 100% ÷ 6 years = 16.67%,

Thus, 16.67% * 2 => 33.33%

Therefore, Year 2016, 33.33% * $110,000 = $36,663

For Year 2017, 33.33% * $73,337 ($110,000 - $36,663) = $24,443

For Year 2018, 33.33% * $48,894 ($73,337 - $24,443) = $16,296

Adding all the three Years together =>  2016 to 2018, => $77,402

(c) Given that after 2 years, the revised estimated useful life becomes 7 years and the residual value is $10,000, depreciation would be calculated as follows:

Under the straight-line method,

NBV = Net Book Value, at the end of 2017 is: $110,000 - $15,833 * 2 years = $78,334

Depreciation expense is therefore: ($78,334 - $10,000) ÷ 7 years = $9,762 (decrease in 2018 yearly depreciation charge)

Also,

Under the double-declining method,

SLDP is 100% ÷ 7 years = 14.29%, * 2 => 28.57%.

For Year 2018,

28.57% * $48,894 ($73,337 - $24,443) = $13,969 (decrease in 2018 yearly depreciation charge)

Answer:

the question is incomplete, so I looked for a similar question:

the requirements are:

calculate depreciation expense using straight line, double depreciation, sum of  the years' digits methods

straight line depreciation:

depreciable value = $110,000 - $15,000 = $95,000

depreciation expense per yer = $95,000 / 6 = $15,833.33

depreciation expense 2019 = $15,833depreciation expense 2020 = $15,833depreciation expense 2021 = $15,834

double declining balance:

depreciation expense 2019 = $110,000 x 2/6 = $36,667depreciation expense 2020 = ($110,000 - $36,667) x 2/6 = $24,444depreciation expense 2021 =  ($73,333 - $24,444) x 2/6 = $16,296

sum of the years' digits method:

depreciable value = $110,000 - $15,000 = $95,000

sum of years = 6 + 5 + 4 + 3 + 2 + 1 = 21 years

depreciation expense 2019 = $110,000 x 6/21 = $31,429depreciation expense 2020 = $110,000 x 5/21 = $26,190depreciation expense 2021 =  $110,000 x 4/21 = $20,952

The following income statement items appeared on the adjusted trial balance of Foxworthy Corporation for the year ended December 31, 2021 ($ in 000s): sales revenue, $22,600; cost of goods sold, $14,650; selling expense, $2,330; general and administrative expense, $1,230; dividend revenue from investments, $230; interest expense, $330. Income taxes have not yet been accrued. The company’s income tax rate is 25% on all items of income or loss. These revenue and expense items appear in the company’s income statement every year. The company’s controller, however, has asked for your help in determining the appropriate treatment of the following nonrecurring transactions that also occurred during 2021 ($ in 000s). All transactions are material in amount.

1. Investments were sold during the year at a loss of $300. Foxworthy also had unrealized losses of $200 for the year on investments.
2. One of the company’s factories was closed during the year. Restructuring costs incurred were $2,000.
3. During the year, Foxworthy completed the sale of one of its operating divisions that qualifies as a component of the entity according to GAAP regarding discontinued operations. The division had incurred operating income of $800 in 2016 prior to the sale, and its assets were sold at a
loss of $1,800.
4. Foreign currency translation gains for the year totaled $600.

Required:
Prepare Foxworthy's single, continuous statement of comprehensive income for 2021, including basic earnings per share disclosures. Two million shares of common stock were outstanding throughout the year.

Answers

Question attached

Answer and Explanation:

Please find attached

Nanjones Company manufactures a line of products distributed nationally through wholesalers. Presented below are planned manufacturing data for the year and actual data for November of the current year. The company applies overhead based on planned machine hours using a predetermined annual rate.

Planning Data
Annual November
Fixed overhead $1,200,000 $100,000
Variable overhead $2,400,000 $220,000
Direct labor hours 48,000 4,000
Machine hours 240,000 22,000


Data for November

Direct labor hours (actual) 4,200
Direct labor hours (plan based on output) 4,000
Machine hours (actual) 21,600
Machine hours (plan based on output) 21,000
Fixed overhead $101,200
Variable overhead $214,000

Nanjones’ variable overhead spending variance for November was:

a. $6,000 favorable.
b. $2,000 favorable.
c. $14,000 unfavorable.
d. $6,000 unfavorable.

Answers

Answer:

Variable manufacturing overhead spending variance= $2,000 favorable

Explanation:

First, we need to calculate the predetermined overhead rate:

Predetermined manufacturing overhead rate= total estimated overhead costs for the period/ total amount of allocation base

Predetermined manufacturing overhead rate= 2,400,000 / 240,000

Predetermined manufacturing overhead rate= $10 per machine hour

To calculate the variable overhead spending variance, we need to use the following formula:

Variable manufacturing overhead spending variance= (standard rate - actual rate)* actual quantity

Variable manufacturing overhead spending variance= (15 - 214,000/21,600)*21,600

Variable manufacturing overhead spending variance= $2,000 favorable

The Nanjones' variable overhead spending variance for November is a. $6,000 favorable.

Data and Calculations:

                                            Planning Data                Actual Data    Variances

                                       Annual          November     November  

Fixed overhead          $1,200,000     $100,000          $101,200       $1,200 U

Variable overhead    $2,400,000    $220,000         $214,000      $6,000  F

Direct labor hours             48,000          4,000               4,200            200  U

Machine hours               240,000        22,000             21,600             400  F

Thus, the Nanjones' variable overhead spending variance for November is the difference between planned expenses and actual expenses, which is $6,000 ($214,000 - $220,000) favorable.

Learn more about variable overhead spending variance here: https://brainly.com/question/4535958

berkshire hathaway a corporation, owns Goldman Sachs preferred stock with a 12 dividend yield. What is Berthshire Hathaway's after-tax dividend yield on this preferred stock if their marginal tax rate is

Answers

Answer: 11.2%

Explanation:

Here is the completed question:

berkshire hathaway a corporation, owns Goldman Sachs preferred stock with a 12 dividend yield. What is Berthshire Hathaway's after-tax dividend yield on this preferred stock if their marginal tax rate is 21%?

The dividend yield that's not subject to tax will be:

= 12% × 70%

= 0.12 × 0.7

= 0.084

The dividend yield that's subject to tax will be:

= 12% × 30% × (1 - 21%)

= 0.12 × 0.3 × 0.79

= 0.02844

Berthshire Hathaway's after-tax dividend yield will now be:

= 0.084 - 0.02844

= 0.11244

= 11.2%

The accounts in the ledger of Dependable Delivery Service contain the following balances on July 31, 2022.

Accounts Receivable $11,400
Prepaid Insurance $1,800
Accounts Payable 7,400
Maintenance and Repairs Expense 1,200
Cash 15,940
Service Revenue 15,500
Equipment 59,360
Dividends 800
Utilities Expense 950
Common Stock 40,000
Insurance Expense 600
Salaries and Wages Expense 8,400
Notes Payable, due 2024 31,450
Salaries and Wages Payable 900
Retained Earnings (July 1, 2022) 5,200

Required:
Prepare classified balance sheet for July 31, 2022.

Answers

Answer:

Dependable Delivery Service

Classified balance sheet as at July 31, 2022

Non Current Assets

Equipment                                                  $59,360

Total Non Current Assets                          $59,360

Current Assets

Accounts Receivable                                  $11,400

Prepaid Insurance                                        $1,800

Cash                                                            $15,940

Total Current Assets                                  $29,140

Total Assets                                               $88,500

Equity and Liabilities

Equity

Common Stock                                         $40,000

Retained Earnings                                       $8,750

Total Equity                                                $48,750

Liabilities

Non Current Liabilities

Notes Payable, due 2024                         $31,450

Total Non Current Liabilities                     $31,450

Current Liabilities

Accounts Payable                                      $7,400

Salaries and Wages Payable                       $900

Total Non-Current Liabilities                     $8,300

Total Liabilities                                         $39,750

Total Equity and Liabilities                      $88,500

Explanation:

Its very important to calculate the Retained Earnings Balance at the end of July 2020.

To do this, we need to first calculate the Net Income for the period as follows :

Income Statement for the year ended July 31, 2022

Service Revenue                                                        15,500

Less Expenses :

Maintenance and Repairs Expense           1,200

Utilities Expense                                           950

Insurance Expense                                       600

Salaries and Wages Expense                    8,400     (11,150)

Net Income/(loss)                                                         4,350

Then, calculate the Retained Earnings Balance as follows :

Retained Earnings Calculation

Beginning Balance                                    5,200

Add Net Income during the period          4,350

Less Dividends                                            (800)

Ending Balance                                         8,750

Consider an economy described by the following equations:

Y=C+I+G
C=120+0.8×(Y−T)
I=500−50×r G=150
T=125

where Y is GDP, C is consumption, I is investment, G is government purchases, T is taxes, and r is the interest rate. If the economy were at full employment (that is, at the natural rate of output), GDP would be $2,850.

Identify the equation(s) each of the following statements describes.

a. It is a function of disposable income.
b. It depends on the interest rate.

The marginal propensity to consume in this economy is:____________ .

Suppose the central bank's policy is to adjust the money supply to maintain the interest rate at 3%, so r = 3. When the interest rate is 3%, GDP is __________$ .

GDP at an interest rate of 3% is the full-employment level.
a. True
b. False

Assuming no change in monetary policy, (a decrease, an increase) in government purchases by ____ would restore GDP to the full-employment level. (Note: Assume that such change in fiscal policy has no crowding-out effect.) Assuming no change in fiscal policy, (a decrease. an increase) in the interest rate by ___ would restore GDP to the full-employment level.

Answers

Answer:

Consumption c is a function of disposable income

Investment I is a function of interest rate

Marginal propensity to consume equals 0.8

If this 3, I = investment

= 500-(3*50)

= 500-150

= 350

We have Y= C+I+G

Y = 120+0.8(Y-125)+350+150

Y = 120+0.8Y-100+350+150

Y-0.8Y = 120-100+350+150

0.2Y = 520

Y = 520/0.2

Y = 2600

GDP and interest rate falls below full employment

If there is no change in monetary policy an increase in government purchases by 50dollars takes gdp back to full employment

If no change in fiscal policy when interest rate decreases by 1.4% God goes back to full employment.

Lina Martinez wants to buy a new high-end audio system for her car. The system is being sold by two dealers in town, both of whom sell the equipment for the same price of $2,000. Lina can buy the equipment from Dealer A, with no money down, by making payments of $118.28 a month for 18 months; she can buy the same equipment from Dealer B by making 36 monthly payments of $70.31 (again, with no money down). Lina is considering purchasing the system from Dealer B because of the lower payment.
Find the APR for Dealer A.
Use the financial calculator and Find the APR for Dealer B

Answers

Answer:

dealer A:

total interest charged = ($118.28 x 18 months) - $2,000 = $129.04

APR = [($129.04 / $2,000) / 1.5 periods] x 100% = 4.3%

dealer B:

total interest charged = ($70.31 x 36 months) - $2,000 = $531.16

APR = [($531.16 / $2,000) / 3 periods] x 100% = 8.85%

The APR charged by dealer A is much lower than the APR charged by dealer B. Even thought the monthly payments are much lower for dealer B, the total amount of interest charged is much higher.

Other Questions
Es la cultura algo esttico o algo dinmico? Cmo aportan estas definiciones de cultura a comprender, reproducir y/o transformar la realidad existente? Encontraste una definicin de cultura semejante a la que escribiste en la actividad de inicio? Si no es as, escribe un prrafo considerando en qu se basan las diferencias entre tu definicin y estas. Read this excerpt from "Solitude" by Henry David Thoreau.The wildest animals do not repose, but seek their prey now; the fox, and skunk, and rabbit, now roam the fields and woods without fear. They are Natures watchmen links which connect the days of animated life.How does Thoreau distinguish the natural world, perhaps in contrast to the human world?He describes the manner by which the forest sustains life.He characterizes nature by its constant alertness and activity.He characterizes nature by its lack of reservation.He describes the organized structure of the forest world.This is a delicious evening, when the whole body is one sense, and imbibes delight through every pore. I go and come with a strange liberty in Nature, a part of herself. As I walk along the stony shore of the pond in my shirt sleeves, though it is cool as well as cloudy and windy, and I see nothing special to attract Before the development of quantum theory, Ernest Rutherford's experiments with gold atoms led him to propose the so-called Rutherford Model of atomic structure. The basic idea is that the nucleus of the atom is a very dense concentration of positive charge, and that negatively charged electrons orbit the nucleus in much the same manner as planets orbit a star. His experiments appeared to show that the average radius of an electron orbit around the gold nucleus must be about 10101010 m. Stable gold has 79 protons and 118 neutrons in its nucleus. What is the strength of the nucleus' electric field at the orbital radius of the electrons? What is the kinetic energy of an electron in a circular orbit around the gold nucleus? Quadrilateral GHJK has vertices G(2, 3), H(8, 2), J(6, 8), and K(3, 6). It is transformed according to the rule T(4, 5).What are the coordinates of G?(7, 3)(2, 2)(1, 7)(2, 2) Help! look at the image of the table of values below. Over which interval of x is the average rate of change the largest? Comment your favorite songs :D:D ax+6=15 a is a negative, what must be true about x? What issues did the Dred Scott v. Sandford ruling raise? i need help on this What was true about the British approach to colonialism?O A. Britain used ideas about race to encourage their colonies tobecome independent.B. Britain expected that colonies would always remain under itscontrol.C. Britain wanted colonists to know how to govern themselves.D. Britain encouraged colonists to speak their native languages. HURRY!!! DUE TODAY!!! The name of the first Spanish mission in East Texas established by Father Massanet was_________ y=2x-3 in standard form. Ill give brainliest if you answer it right. But hurry. Its for my missing assignment. A sandwich and a cookie cost $5.50. The cookie costs $5 less than the sandwich. How much does the cookie cost? The first two sections of Article IV of the Constitution focus on relationships betweenUS government agencies.different US states.branches of US government.the Senate and the House. 9Select the correct answer.Which of the following is a medicine that stimulates the body's immune response to make disease-fighting molecules to attack a specific pathogen?A. analgesicB. antibioticC. antitoxinReset NextPost Test: Substance Abuse 2020 Edmentum. All rights reserved. Your parents are organizing a trip to South America. Write a short description of what they are going to do. Write two (2) complete Spanish sentences. Include the following details in your description, using only material learned from this lesson/course:You may copy and paste the accented and special characters from this list if needed: , , , , , , , , , , , , , , .*Note: The sample sentences in parentheses are just a guide to help you form your sentences. You must come up with your own original answers keeping academic integrity intact.Write one (1) complete sentence to state which country they are going to visit and what time of the year or season they are going to travel. Remember to use the correct form of the verb ir + a + infinitive. (e.g., My parents are going to travel to Chile this spring.)Write one (1) complete sentence about something that can be found in a city of that country. Remember to use the correct form of the verb estar to talk about location and the correct form of the verb ser to describe. Dont forget to make your adjective agree with the noun. (e.g., The Plaza de Armas is in Santiago, Chile, and it is impressive.) aleena bought 15 kg of fruits she brought 3kg 750 g of apples 4kg 250g of mangoes and rest were oranges find the weight of oranges pls urgent will surely mark u the brainliast 1. Jos tiene un problema. Est _____ y est de _______ humor. How did Ruby bridges create greater opportunities in education for African American children?