Apanel meets every six months to discuss their answers to the assigned questions. bill, ted, mark, and jim are members of the panel. which of the following could threaten the effectiveness of the panel?

a. the panel members are all different ages.
b. the panel members are all different nationalities.
c. the panel members are all male.
d. the panel members are all from various parts of the country.

the answer for your question is

step-by-step explanation:

yes, gavin is right.

step-by-step explanation:

gavin is correct. 

this problem is about converting 9% per year to how many percent per quarter. the rate is still the same. it only differed in the time period. so, through dimensional analysis,

9% per year  × (1 year / 4 quarters) = 2.25% per quarter

if he was asked to convert 9% per year to how many percent per quarter  compounded quarterly, then you will not simply divide by four. this is because compounding is not linear.

hope this , have a good day. c;