Vanessa, a secretary at a law firm, had a comfortable job with fixed working hours. suddenly, her boss informed her that starting next week, she would be required to work extra hours. he said that the firm had received many new clients and so the workload had increased. however, he reassured her that she would be paid more for the extra work. taken aback by the unanticipated change, vanessa refused to comply with her boss's wishes. which of the following is a reason why she resisted the change? a. the timing of the change was wrong from the company's perspective. b. vanessa had formed a different assessment of the proposed change. c. the change was unexpected and took vanessa by surprise. d. vanessa did not understand why the change was being implemented. e. vanessa felt that the change was not in her best interest.

answer; /// blank(1); above; blank(2); less;

answer; conceptual skills;

answer/// randomly assign the participants to the   conditions

of the three mortgage options that demarco and tanya have to choose from, the balloon payment mortgage would be their best option, over adjustable payment and fixed payment plans.ultimately, the balloon payment plan would save demarco and tanya overall, in interest, would cost less monthly, and they would only have to make these payments for 8 years, opposing to 30 years for adjustable or fixed payment plans. 

overall, demarco and tanya would save $80,811 if they chose balloon payments over fixed payments, and would save $116,711 if they choose balloon payments over adjustable payments. benefits with choosing fixed payments over adjustable payments is that, in the end, the payments will still be $836.30 a month, while with adjustable payments, the initial monthly payments will be $763.38 to $1082.70 a month, ultimately leading to a more costly purchase. benefits with choosing fixed payments over balloon payments are not present. benefits in choosing adjustable payments over is that it has a lower interest rate, and starts with lower monthly payments initially. benefits in choosing adjustable payments over balloon payments include a lower interest rate, and lower initial monthly payments. benefits in choosing balloon payments over fixed payments include lower interest rates, lower overall price, lower monthly payments, takes less time to pay off, and does not require a downpayment. benefits in choosing balloon payments over adjustable payments include, lower monthly payments (when averaged), takes less time to pay off, and lower overall price.

hence, option c, balloon payments, is the best option for demarco and tanya to make this purchase, for it will save them a minimum of $80811, and a maximum of $116,711.