Explain your thoughts on OSHA's use of incorporation by reference and whether you believe it improves safety and health in the workplace. Discuss how you believe standards that are incorporated by reference can be used to improve safety and health at a workplace you know about.

You are looking at a one-year loan of $16,500. the interest rate is quoted as 8.7 percent plus two points. a point on a loan is 1 percent (one percentage point) of the loan amount. quotes similar to this one are common with home mortgages. the interest rate quotation in this example requires the borrower to pay two points to the lender up front and repay the loan later with 8.7 percent interest. what rate would you actually be paying here?