There are a number of derogatory terms in the united states for members of minority groups who have assimilated. "oreo, "twinkie," and "coconut" are all rude terms for people who are one color on the outside but "white on the inside" - that is people whose behavior does not match their skin color. what term embodies these insultes?

You are the manager of a large crude-oil refinery. as part of the refining process, a certain heat exchanger (operated at high temperatures and with abrasive material flowing through it) must be replaced every year. the replacement and downtime cost in the first year is $165 comma 000. this cost is expected to increase due to inflation at a rate of 7% per year for six years (i.e. until the eoy 7), at which time this particular heat exchanger will no longer be needed. if the company's cost of capital is 15% per year, how much could you afford to spend for a higher quality heat exchanger so that these annual replacement and downtime costs could be eliminated?