At glamour mattress store, robbie signs a contract to buy a suite of bedroom furniture. the contract sets a schedule of $500 monthly payments, subject to a late fee of 150 percent. glamour's salesperson hurries robbie through the deal, giving her no opportunity to read the contract. this is most likelya) an adhesion contractb) procedural unconscionability. c) substantive unconscionability. d) an enforceable contract.

The following pertains to smoke, inc.’s investment in debt securities: on december 31, year 3, smoke reclassified a security acquired during the year for $70,000. it had a $50,000 fair value when it was reclassified from trading to available-for-sale. an available-for-sale security costing $75,000, written down to $30,000 in year 2 because of an other-than-temporary impairment of fair value, had a $60,000 fair value on december 31, year 3. what is the net effect of the above items on smoke’s net income for the year ended december 31, year 3?