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NEW QUESTION: 1
Here are the following major types of long-term disability policies EXCEPT:
A. Non-cancelable policies
B. Conditionally renewable policies
C. Guaranteed renewable policies
D. Periodically renewable disability policy
Answer: D
NEW QUESTION: 2
A customer is considering the Cisco MDS 9148 and the IBM SAN48B-5 SAN switches.
What are two key advantages for the IBM SAN48B-5 switch? (Choose two.)
A. 1Gbps port support
B. 10Gbps port support
C. 16Gbps port support
D. Pay as you grow from 16 to 48 ports
E. 1U of rack space
Answer: B,C
NEW QUESTION: 3
An investment adviser representative with Capital Investment Advisors, Inc. advised his client to invest
$5,000 in bonds of a firm that the adviser claimed was an investment "almost as risk-free as investing in
U.S. government bonds; maybe even more so, given the magnitude of the government deficit these days." The client paid a total of $200 for this advice. The bonds paid interest at the rate of 6%, with semiannual payments, and the client received $300 in interest payments before the firm went belly-up at the end of a year, and its bonds were deemed worthless. The client has filed suit, and its attorneys' fees and court costs are expected to be $1,000. When the investment is a bond, the state has recently been assessing an interest rate equal to the interest rate paid by the security as an equitable interest payment guideline in civil penalties.
The maximum the client can expect in civil penalties is
A. $5,900.
B. $6,200.
C. $5,200.
D. $6,000.
Answer: B
Explanation:
Explanation/Reference:
Explanation: The maximum amount the client can expect in civil penalties in this case is $6,200. In civil court, the client is awarded the cost of the investment plus any attorneys' fees and court costs, plus any interest that the state deems appropriate, less any income earned on the investment. In this instance, the only income is the interest that the client earned, which is identical to the interest that the Administrator mandates the investment adviser pay, so that is a wash. The investment advisory fee is included as part of the investor's cost, so the client can sue for the recovery of his original investment of $5,000 plus the $200 he paid for the investment advice plus the court costs and attorneys' fees of $1,000, or $6,200 total.