explain why the APR does not compare loans for different lengths of time

Answers

Answer 1

Answer:

APR does not tell you how long your rate is locked for. A 15-year loan may have a lower interest rate, but could have a higher APR, since the loan fees are amortized over a shorter period of time. It is not wise to compare a 30-year loan with a 15-year loan using their respective APRs.

Step-by-step explanation:


Related Questions

Nan lives 13 miles from the airport. Felipe lives 6 miles from the airport.
How many more miles does Nan live from the airport than Felipe?

Answers

Answer:

7

Step-by-step explanation:

it's simply 13 - 6

7 it the answer, that was easy

Gavin goes to the market and buys one rectangle shaped board. The length of the board is 16 cm and width of board is 10 cm. If he wants to add a 2 cm wooden border around the board, what will be the area of the rectangle board?

Answers

Answer:

The answer is 216

Step-by-step explanation:

if there is a 2 cm border, that means that the sides will both become 2 centimeters longer. so (16+2)*(10*2) = 18*12 = 216.

Help someone please!!

Answers

Answer:

A. 5:4

Step-by-step explanation:

Since the question mentions twelfths of a pie, it is easier to say each pie has 12 pieces or 36 total pieces ordered from the 3 pies. Ty ate 5 and Rob ate 15 which is 3 times more than Ty. A total of 20 pieces have been eaten from the 36 you started with. Eaten = 20 and Remaining = 16. So the ratio is 20:16 which is simplified to 5:4.

the answer is A. 5:4

2 divided by ___=42 two divided by what equals 42?

Answers

2 divided by 0.048=42

Write a differential equation that fits the physical description. The at time t is proportional to the power of its .

Answers

Complete Question

The complete question is shown on the first uploaded image

Answer:

The differential equation that fits the physical description is   [tex]\frac{d (v(t))}{dt} = z [v(t)]^2[/tex]

Step-by-step explanation:

 From the question we are told that

       The acceleration due to air resistance of a particle moving along a straight line at time t is proportional to the second power of its velocity v, this can be mathematically represented as

             [tex]a(t) \ \ \alpha \ \ \ [v(t)]^2[/tex]

Where  [tex]a(t)[/tex] is the acceleration at time t

and     [tex]v(t)[/tex] is the velocity at time  t

So  

=>         [tex]a(t)= z [v(t)]^2[/tex]

Where  z is a constant

Generally acceleration is mathematically represented as

       [tex]a(t) = \frac{d (v(t))}{dt}[/tex]

So

     [tex]\frac{d (v(t))}{dt} = z [v(t)]^2[/tex]

A random sample of 1003 adult Americans was asked, "Do you think televisions are a necessity or a luxury you could do without?" Of the 1003 adults surveyed, 521 indicated that televisions are a luxury they could do without. Construct and interpret a 95% confidence interval for the population proportion of adult Americans who believe that televisions are a luxury they could do without out.

Answers

Answer:

The  95% confidence interval is  [tex]0.503 < p < 0.535[/tex]

The  interpretation is that there is 95% confidence that the true population proportion lie within the confidence interval

Step-by-step explanation:

From the question we are told that

    The  sample size is n  =  1003

     The number that indicated television are a luxury is  k  =  521

Generally the sample mean is mathematically represented as

           [tex]\r p = \frac{k}{n}[/tex]

          [tex]\r p = \frac{521}{1003}[/tex]

         [tex]\r p = 0.519[/tex]

Given the confidence level is  95% then the level of significance is mathematically evaluated as

       [tex]\alpha = 100 - 95[/tex]

       [tex]\alpha = 5\%[/tex]

       [tex]\alpha = 0.05[/tex]

Next we obtain the critical value of [tex]\frac{ \alpha }{2}[/tex] from the normal distribution table, the value is  

          [tex]Z_{\frac{\alpha }{2} } = 1.96[/tex]

The  margin of error is mathematically represented as

           [tex]E = Z_{\frac{\alpha }{2} } * \sqrt{ \frac{\r p (1- \r p )}{n} }[/tex]

=>       [tex]E = 1.96 * \sqrt{ \frac{ 0.519 (1- 0.519 )}{1003} }[/tex]

=>       [tex]E = 0.016[/tex]

The  95%  confidence interval is mathematically represented as

       [tex]\r p -E < p < \r p +E[/tex]

=>   [tex]0.519 - 0.016 < p < 0.519 + 0.016[/tex]

=>    [tex]0.503 < p < 0.535[/tex]

In a factory there are 100 units of a certain product, 5 of which are defective. We pick three units from the 100 units at random. What is the probability that none of them are defective

Answers

Answer:

Probability of picking all three non-defective units

= 7372/8085  (or 0.911812 to six decimals)

Step-by-step explanation:

Let

D = event that the picked unit is defective

N = event that the picked unit is not defective

Pick are without replacement.

We need to calculate P(NNN) using the multiplication rule,

P(NNN)

= 97/100 * 96/99 * 95/98

=7372/8085

= 0.97*0.969697*0.9693878

= 0.911812

The probability that none of the picked products are defective is;

P(None picked is defective) = 0.856

We are told that 5 are defective out of 100.

This means the number of good products that are not defective are 95.

Probability of the first picked product not being defective is written as; P(First picked not defective) = 95/100

Since the good ones have been picked, there will be 99 left of which the good ones are now 94. Thus, probability of second one not being defective = 94/99

Since two good ones have been picked, there will be 98 left and 93 good ones left. Thus, probability of third one not being defective = 93/98

Finally, Probability of none of the three being defective is;

95/100 × 94/99 × 93/98 = 0.856

Read more at; https://brainly.com/question/14661097

“Type ‘equal, supplementary, complementary, or vertical in the space provided’”

Answers

Answer:

Supplementary

Step-by-step explanation:

When the sum of 2 angles equal 180°, they are called supplementary angles. And they also form a straight line together.

<AOB (40°) and <BOC (140°) are not equal angles.

<AOB (40°) and <BOC (140°) are not complementary angles. Complementary angles add up to equal 90°.

<AOB (40°) and <BOC (140°) are not vertical angles. Vertical angles are opposite angles formed when two lines intersect.

<AOB (40°) and <BOC (140°) are supplementary angles. They add up to equal 180°.

The data represents the daily rainfall​ (in inches) for one month. Construct a frequency distribution beginning with a lower class limit of and use a class width of . Does the frequency distribution appear to be roughly a normal​ distribution?

Answers

Answer:

The frequency distribution does not appear to be normal.

Step-by-step explanation:

The data provided is as follows:

S = {0.38 , 0 , 0.22 , 0.06 , 0 , 0 , 0.21 , 0 , 0.53 , 0.18 , 0 , 0 , 0.02 , 0 , 0 , 0.24 , 0 , 0 , 0.01 , 0 , 0 , 1.28 , 0.24 , 0 , 0.19 , 0.53 , 0 , 0, 0.24 , 0}

It is provided that the first lower class limit should be 0.00 and the class width should be 0.20.

The frequency distribution table is as follows:

Class Interval  Count

 0.00 - 0.19            21

 0.20 - 0.39             6

 0.40 - 0.59             2

 0.60 - 0.79             0

 0.80 - 0.99             0

  1.00 - 1 . 19             0

  1.20 - 1. 39             1

The frequency distribution does not appear to be normal. This is because the frequencies does not start and end at almost equivalent points and the mid-distribution does not consist of the highest frequency.

Thus, the frequency distribution does not appear to be normal.


The population of Jacksonville is 836,507. What is the population rounded to the
nearest hundred thousand?
A. 900,000
O
B. 850,000
C. 840,000
o D. 800,000​

Answers

Answer:

D. 800,000

Step-by-step explanation:

It is D because you find the hundred thousand place which is the 8, the you go to the number next door which is 3, if the 3 is 5 or greater the 8 will become a 9 or if it is not then it will stay the same. And everything to the left stays the same, everything to the right turns into zeros.

please help me to answer this question​

Answers

Where’s the question

Answer:

I can not see any questions

Mark each of the following as true or false and explain how you know.

Answers

true false false true...is the quick answer

Remember that negatives are always less than positive numbers.

A middle school has 470 students. Regina surveys a random sample of 40 students and finds that 28 have cell phones. How many students at the school are likely to have cell phones? A. 132 students B. 188 students C. 329 students D. 338 students Please include ALL work! <3

Answers

Answer:

C. 329

Step-by-step explanation:

So 28 is 70% of 40

so we know that 70% percent of students have phones

70% of 470

329

Thats how I solved it have a great day :)

What is 2 cm converted to feet?

Answers

Answer:

0.065617 ft

Step-by-step explanation:

Answer:

0.0656168 feet.

Step-by-step explanation:

Carl recorded the number of customers who visited his new store during the week:


Day Customers

Monday 17

Tuesday 13

Wednesday 14

Thursday 16


He expected to have 15 customers each day. To answer whether the number of customers follows a uniform distribution, a chi-square test for goodness of fit should be performed. (alpha = 0.10)


What is the chi-squared test statistic? Answers are rounded to the nearest hundredth.

Answers

Answer:

The chi - square test can be [tex]\approx[/tex] 0.667

Step-by-step explanation:

From the given data :

The null hypothesis and the alternative hypothesis can be computed as:

Null hypothesis: The number of customers does  follow  a uniform distribution

Alternative hypothesis: The number of customers does not  follow  a uniform distribution

We learnt that: Carl recorded the number of customers who visited his new store during the week:

Day              Customers

Monday               17

Tuesday              13

Wednesday         14

Thursday              16

The above given data was the observed value.

However, the question progress by stating that : He expected to have 15 customers each day.

Now; we can have an expected value for each customer  as:

                      Observed Value                   Expected Value

Day                 Customers                        

Monday                17                                          15

Tuesday               13                                          15

Wednesday          14                                          15

Thursday               16                                         15

The Chi square corresponding to each data can be determined by using the formula:

[tex]Chi -square = \dfrac{(observed \ value - expected \ value )^2}{expected \ value}[/tex]

For Monday:

[tex]Chi -square = \dfrac{(17 - 15 )^2}{15}[/tex]

[tex]Chi -square = \dfrac{(2)^2}{15}[/tex]

[tex]Chi - square = \dfrac{4}{15}[/tex]

chi - square = 0.2666666667

For Tuesday :

[tex]Chi -square = \dfrac{(13- 15 )^2}{15}[/tex]

[tex]Chi -square = \dfrac{(-2)^2}{15}[/tex]

[tex]Chi - square = \dfrac{4}{15}[/tex]

chi - square = 0.2666666667

For Wednesday :

[tex]Chi -square = \dfrac{(14- 15 )^2}{15}[/tex]

[tex]Chi -square = \dfrac{(-1 )^2}{15}[/tex]

[tex]Chi -square = \dfrac{(1 )}{15}[/tex]

chi - square = 0.06666666667

For Thursday:

[tex]Chi -square = \dfrac{(16- 15 )^2}{15}[/tex]

[tex]Chi -square = \dfrac{(1 )^2}{15}[/tex]

[tex]Chi -square = \dfrac{(1 )}{15}[/tex]

chi - square = 0.06666666667

                   Observed Value   Expected Value    chi - square

Day                 Customers                        

Monday                17                     15                       0.2666666667

Tuesday               13                     15                       0.2666666667

Wednesday          14                     15                       0.06666666667

Thursday               16                    15                       0.06666666667

Total :                                                                        0.6666666668

The chi - square test can be [tex]\approx[/tex] 0.667

At level of significance ∝ = 0.10

degree of freedom = n - 1

degree of freedom = 4 - 1

degree of freedom = 3

At ∝ = 0.10 and df = 3

The p - value for the chi - square test statistics is 0.880937

Decision rule: If the p - value is greater than the level of significance , we fail to reject the null hypothesis

Conclusion: Since the p - value is greater than the level of significance , we fail to reject the null hypothesis and conclude that there is insufficient evidence to show that the number of customers does not follows a uniform distribution.

Answer:.67

Step-by-step explanation:

What number is the opposite of -3?
Explain your reasoning

Answers

The answer is 3

Answer Explanation:

What is the missing statement in step 10 of the proof?

Answers

Answer:

c/sin C = b/sin C

Step-by-step explanation:

Look at the statement in the previous step and the reason in this step.

c sin B = b sin C

Divide both sides by sin B sin C:

(c sin B)/(sin B sin C) = (b sin C)/(sin B sin C)

c/sin C = b/sin B

What is the probability that a randomly selected individual on this campus weighs more than 166 pounds? (express in decimal form and round final answer to 4 decimal places)

Answers

Answer:

hello attached is the missing part of your question and the answer of the question asked

answer : 0.2951

Step-by-step explanation:

Given data:

number of persons allowed in the elevator = 15

weight limit of elevator = 2500 pounds

average weight of individuals = 152 pounds

standard deviation = 26 pounds

probability that an individual selected weighs more than 166 pounds

std = 26 ,  number of persons(x) = 15, average weight of individuals(u) = 152 pounds

p( x > 166 ) = p( x-u / std,  166 - u/ std )

                  = p (  z > [tex]\frac{166-152}{26}[/tex] )

                  = 1 - p( z < 0.5385 )

p( x > 166 ) = 1 - 0.70488 = 0.2951

You work for a pharmacy and monthly sales of asthma inhalers in your pharmacy follows a normal distribution with a mean of 191 inhalers per month and a standard deviation of 21 due to a storm the next shipment of inhalers did not arrive. The pharmacy only has 163 inhalers currently in stock and available to sell for the current month. What is the z score corresponding to selling 163 inhalers?

Answers

Answer: -1.33 .

Step-by-step explanation:

Formula to find the Z-score :

[tex]Z=\dfrac{\text{Expected value - Mean}}{\text{Standard deviation}}[/tex]

Given: Mean = 191  and Standard deviation = 21

Then , the z-score corresponding to the expected value of 163 will be :

[tex]Z=\dfrac{163-191}{21}\\\\=\dfrac{-28}{21}\approx-1.33[/tex]

Hence, the z score corresponding to selling 163 inhalers is -1.33 .

Evaluate S_5 for 600 + 300 + 150 + … and select the correct answer below. A. 1,162.5 B. 581.25 C. 37.5 D. 18,600

Answers

Answer:

  A.  1,162.5

Step-by-step explanation:

Write the next two terms and add them up:

  S5 = 600 +300 +150 +75 +37.5 = 1162.5 . . . . matches choice A

Answer: Choice A 1,162.5

================================================

Explanation:

{600, 300, 150, ...} is a geometric sequence starting at a = 600 and has common ratio r = 1/2 = 0.5, this means we cut each term in half to get the next term. We could do this to generate five terms and then add them up. Or we could use the formula below with n = 5

Sn = a*(1-r^n)/(1-r)

S5 = 600*(1-0.5^5)/(1-0.5)

S5 = 1,162.5

-----------

Check:

first five terms = {600, 300, 150, 75, 37.5}

S5 = sum of the first five terms

S5 = 600+300+150+75+37.5

S5 = 1,162.5

Because n = 5 is relatively small, we can quickly confirm the answer. With larger values of n, a spreadsheet is the better option.

A researcher would like to test the claim that the mean lung capacity of middle-aged smokers is less than the mean lung capacity of senior citizen nonsmokers. Independent random samples of 34 middle-aged smokers and 34 senior citizen nonsmokers will be used in a hypothesis test of this claim, and it is believed that the standard deviations of the lung capacities in the populations of middle-aged smokers and senior citizen nonsmokers are the same. Which test statistic formula should be used for this test

Answers

Answer:

The respiratory system extends from the nose and upper airway to the alveolar surface of the lungs, where gas exchange occurs. Inhaled tobacco smoke moves from the mouth through the upper airway, ultimately reaching the alveoli. As the smoke moves more deeply into the respiratory tract, more soluble gases are adsorbed and particles are deposited in the airways and alveoli. The substantial doses of carcinogens and toxins delivered to these sites place smokers at risk for malignant and nonmalignant diseases involving all components of the respiratory tract including the mouth.

Pennsylvania Refining Company is studying the relationship between the pump price of gasoline and the number of gallons sold. For a sample of 14 stations last Tuesday, the correlation was 0.65. Can the company conclude that the correlation is positive

Answers

Complete Question

Pennsylvania Refining Company is studying the relationship between the pump price of gasoline and the number of gallons sold. For a sample of 14 stations last Tuesday, the correlation was 0.65.At the 0.01 significance level Can the company conclude that the correlation is positive

Answer:

Yes the company conclude that the correlation is positive

Step-by-step explanation:

From the question we are told that

   The  sample size is  n =  14

    The correlation is  r =  0.65

     

The  null hypothesis is  [tex]H_o : r < 0[/tex]

The  alternative hypothesis is  [tex]H_1 : r > 0[/tex]

Generally the standard deviation is mathematically evaluated as

       [tex]Sr = \sqrt{1- r}[/tex]

       [tex]Sr = \sqrt{1- 0.65}[/tex]

       [tex]Sr = 0.616[/tex]

The  degree of freedom for the one-tail test is

       [tex]df = n- 2[/tex]

        [tex]df = 14- 2[/tex]

        [tex]df = 12[/tex]

The standard error is evaluated as

        [tex]SE = \frac{0.616}{ \sqrt{12} }[/tex]

        [tex]SE =0.1779[/tex]

The test statistics  is evaluated as

      [tex]t = \frac{r }{SE}[/tex]

       [tex]t = \frac{0.65 }{0.1779}[/tex]

        [tex]t = 3.654[/tex]

The p-value of of  t is obtained from the z table, the value is  

        [tex]p-value = P(t < 3.654) = 0.00012909[/tex]

Given that [tex]p-value < \alpha[/tex]  then we reject the null hypothesis

           Hence the company can conclude that the correlation is positive

     

The graph of y = −4x2 + 13x + 12 is shown below. What are the zeros of the function (as exact values), the y-intercept, and the maximum or minimum value of the function?

Answers

Answer:

zeros: -3/4, 4y-intercept: 12maximum: 22 9/16

Step-by-step explanation:

The graph tells you the zeros of the function are x=-3/4 and x=4.

The y-intercept is the constant in the function: 12.

The maximum is 22.5625 at x = 1.625.

Factor this trinomial completely. -6x^2 +26x+20

Answers

Answer:

Step-by-step explanation:

-6x²+26x+20

=-2(3x²-13x-10)

=-2(3x²-15x+2x-10)

=-2[3x(x-5)+2(x-5)]

=-2(x-5)(3x+2)

(2²)³+(2³)²/4
Simplificar ​

Answers

━━━━━━━☆☆━━━━━━━

▹ Answer

80

▹ Step-by-Step Explanation

(2²)³ + (2³)² ÷ 4

Rewrite:

2⁶ + 2⁶ ÷ 2²

Divide:

2⁶ + 2⁴

Factor:

(2² + 1) * 2⁴

Evaluate:

(4 + 1) * 2⁴

Calculate:

5 * 16

= 80

Hope this helps!

CloutAnswers ❁

━━━━━━━☆☆━━━━━━━

Write a variable expression for a number w increased by 4 (A) 4 ÷ w (B) w + 5 (C) w + 4

Answers

Answer:

C) w+4

Step-by-step explanation:

w=the variable

+4= increased by 4

HOPE THIS HELPS!!!!!! :)

<33333333333

a theater has (2x+1) rows of seats, with (x-3) seats in each row. how many seats are in the theater?
A. 2x^2- 5x- 3
B. 2x^2+ 5x- 3
C. 2x^2- 7x+ 3
D. 2x^2- 7x- 3

Answers

the answer would be B hope it’s right

(2x+1)(x-3)

y(x-3) .... let y = 2x+1

y*x+y(-3) .... distribute

xy - 3y

x( y ) - 3( y )

x( 2x+1 ) - 3( 2x+1) ... replace y with 2x+1

2x^2 + x - 6x - 3 ..... distribute

2x^2 - 5x - 3

Answer is choice A

2 lines intersect a horizontal line to form 8 angles. Labeled clockwise, starting at the top left, the angles are: A, B, C, D, E, F, G, D. Which of the pairs of angles are vertical angles and thus congruent? ∠A and ∠G ∠A and ∠B ∠C and ∠F ∠D and ∠H

Answers

Answer:

∠A and ∠G is the pair of vertical angles.

Step-by-step explanation:

From the figure attached,

Two lines 'm' and 'n' are two parallel lines. These lines intersect a horizontal line 'l'.

Since, "Pair of opposite angles formed at the point of intersection are the vertical angles and equal in measure."

Therefore, Opposite angles ∠A ≅ ∠G, ∠B ≅ ∠H, ∠C ≅ ∠E and ∠D ≅ ∠F are the vertical angles.

From the given options,

∠A and ∠G is the pair representing the pair of vertical angles and thus congruent.

Answer:

a

Step-by-step explanation:

Can somebody please solve this problem for me!

Answers

Answer:

x = 200.674

Step-by-step explanation:

tan∅ = opposite/adjacent

Step 1: Find length of z

tan70° = 119/z

ztan70° = 119

z = 119/tan70°

z = 43.3125

Step 2: Find length z + x (denoted as y)

tan26° = 119/y

ytan26° = 119

y = 119/tan26°

y = 243.986

Step 3: Find x

y - z = x

243.986 - 43.3125 = x

x = 200.674

Solve for x: x/25 > 5

Answers

Answer:

x>125

Step-by-step explanation:

Answer:

x > 125

Step-by-step explanation:

Multiply each side by 25, so it now looks like this: x > 125

I hope this helps!

Other Questions
You purchase x number of balloons for your party. You distribute them evenly among 8 tables. While you are finishing up with your decorations, 2 balloons pop. Is it true that each table will now have x 2 8/2 balloons? Explain why or why not. someone help plzz In a physics laboratory experiment, a coil with 250 turns enclosing an area of 14 cm2 is rotated in a time interval of 0.030 s from a position where its plane is perpendicular to the earth's magnetic field to a position where its plane is parallel to the field. The earth's magnetic field at the lab location is 5.010^5 T.Required:a. What is the total magnetic flux through the coil before it is rotated? After it is rotated? b. What is the average emf induced in the coil? What type of bond would form between two atoms of phosphorus? A. Single covalent bond B. Single ionic bond C. Triple covalent bond D. Double covalent bond What is the angle between a wire carrying an 8.40 A current and the 1.20 T field it is in, if 50.0 cm of the wire experiences a magnetic force of 2.55 N? (b) What is the force (in N) on the wire if it is rotated to make an angle of 90 with the field? N sanskrit word meaning in hindi GIVING 30 POINTS! URGENT. The map shows the development of the Roman Empire. How can the Roman Emprie's expansion be described? A) It reached every continent. B) It doubled the size of the republic. C) Roman rule finally reached Africa. D) Growth in Asia was reduced. Corinna has $80. She wants to buy a $256 plane ticket. She will save up her earnings from working at the museum where she earns $16 per hour. Which inequality shows the number of hours, n, Corinna must work so that she has a total of at least $256? A bond par value is $1,000 and the coupon rate is 5.1 percent. The bond price was $946.02 at the beginning of the year and $979.58 at the end of the year. The inflation rate for the year was 2.6 percent. What was the bond's real return for the year Prepare journal entries to record the following four separate issuances of stock. A corporation issued 7,000 shares of $20 par value common stock for $168,000 cash. A corporation issued 3,500 shares of no-par common stock to its promoters in exchange for their efforts, estimated to be worth $34,000. The stock has a $1 per share stated value. A corporation issued 3,500 shares of no-par common stock to its promoters in exchange for their efforts, estimated to be worth $34,000. The stock has no stated value. A corporation issued 1,750 shares of $25 par value preferred stock for $77,750 cash. Find the perimeter of the following rectilinear figure. 22. On January 1, 2021, Princess Corporation leased equipment to King Company. The lease term is eight years. The first payment of $675,000 was made on January 1, 2021. The equipment cost Princess Corporation $3,600,000. The present value of the lease payments is $3,961,183. The lease is appropriately classified as a sales-type lease. Assuming the interest rate for this lease is 10%, how much interest revenue will Princess record in 2022 on this lease the elbow is _____ to the wrist and ____ to the shoulder A low-noise transistor for use in computing products is being developed. It is claimed that the mean noise level will be below the 2.5-dB level of products currently in use. It is believed that the noise level is approximately normal with a standard deviation of .8. find 95% CI How would you describe the diffusion of civilizations in Africa and the Near East? Match the political and military leaders to the roles that they played during World War II.General Dwight EisenhowerGeneral George PattonBenito MussoliniGeneral Bernard MontgomeryGeneral Erwin RommelBritish commander in theNorth African campaignprime minister of Italycommander of German troopsin the North African campaignUS commander in the Europeantheater of warleader of the US forces inthe Italian campaign 49, 34, and 48 students are selected from the Sophomore, Junior, and Senior classes with 496, 348, and 481 students respectively. Group of answer choices The risk-free rate is 6% and the expected rate of return on the market portfolio is 13%. a. Calculate the required rate of return on a security with a beta of 1.25. if you convinced your friend to lend you her notes to study for an exam, what would this situation be an example of? n your own words define employment-at-will and explain whether or not you agree with this principle. Next, discuss your thoughts on workplace testing and its role in the hiring process. Do you feel this is a fair hiring practice? Why or why not? You see a boat filled with people. It has not sunk, but when you look again you dont see a single person on the boat. Why?