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You did not take the time to read the material. What knowledge can you gain by studying this question You read the answer explanation and see that the fourth choice was the correct answer. Here s what you have learned. Derivatives are financial instruments. Derivatives derive their value from changes in a benchmark. Typical benchmarks used are stock prices, mortgage rates, currency rates, and commodity prices. Since the fourth response was the answer, it means that discounts on accounts receivable are not acceptable benchmarks for deriving the derivative value. If you have time, you would prepare an index card for these concepts. You move on and attempt to complete the next question.

This is free money! How often does that happen What should you invest in with your IRA or 401(k) The most important factors to consider are how liquid is the investment, how long you will hold it, the expected return, inflation, and your risk tolerance For instance, if you have more than 15 years left in the workforce, some experts suggest putting as much as 75 percent of your capital in stocks, the rest in bonds, and none in cash Depending on your comfort level, you can put more money in stable blue chip stocks and some money in risky technology stocks, and a high percentage of your government bonds in instruments with an intermediate time frame, say five to ten years A stock portfolio should be diversified, or spread out according to the type of stock.

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Access 2010 works directly with Access 2000, 2002 2003, and Access 2007.accdb databases. Earlier Access database files (such as Access 97 or 95) must be converted to 2000, 2002 2003, or 2007 before they can be used in Access 2010. Access examines the database file you re opening and, if the file must be converted, presents you with the Database Enhancement dialog box (shown in Figure 2.6). Clicking Yes in the Database Enhancement dialog box opens a second dialog box (not shown), which asks for the name of the converted database. Clicking No in the Database Enhancement dialog box opens the obsolete database in read-only mode, enabling you to view, but not modify, objects in the database; this process is sometimes referred to as enabling the obsolete database. Choosing to enable an obsolete database is sometimes necessary when you must understand the design of an old database, but users are still working with the old database and it can t be upgraded to Access 2010 format. If you re following the examples in this book, note that I ve chosen MyCollectibleMiniCars. accdb as the name of the database file you create as you complete this chapter. This database is for the hypothetical business, Collectible Mini Cars. After you enter the filename, Access creates the empty database.

An entirely new feature in Access 2010 is the ability to edit the default Access ribbon Changes made to the ribbon stay with Access on the machine where the changes were made, but an option to export modifications is available in the ribbon designer The Customize the Ribbon window (see Figure 2912) uses the two list paradigm, just like the Quick Access Toolbar designer, except that the ribbon designer is a bit more complex You select the category of ribbon you want to modify (File Tabs, Main Tabs, Macros, All Commands, Popular Commands, and so on) from the drop-down above the list on the left side, and then use the leftand right-pointing buttons between the lists to add or remove items from the ribbon.

Stocks are typically put in categories according to the size of the company and the relative value of the stock There are Small-, Mid- and Large-Cap stocks Cap is short for Market Capitalization, or the number of shares outstanding multiplied by the price of the stock When you buy a stock at a certain price you are not.

From the perspective of Access, there is just one ribbon, but it has a number of Main tabs on it: Print Preview, Home, Create, External Data, Database Tools, Source Control, and Add-Ins Within a Main tab are a number of groups such as Views, Clipboard, and Sort & Filter You cannot add or remove tabs or commands from the default ribbon, but you can remove individual groups You can take away entire built-in groups, but you can t remove individual commands within a group You can use the buttons below the right list to add new custom tabs or to add new groups within existing ribbon tabs, and then add commands to the custom group Using a new custom tab or group is the only way to add commands from the left list to the ribbon definition on the right side You can t add commands directly to tabs.

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