Respond to the following questions in -depth using paragraph form. Paragraphs must be at least 8-9 sentences.1. A negligence action was brought by a mother on behalf of her minor daughter against a hospital. It alleged that when the mother was 13 years of age, the hospital negligently transfused her with Rh-positive blood. The mother’s Rh-negative blood was incompatible with and sensitized by the Rh-positive blood. The mother discovered her condition eight years later during a routine blood screening ordered by her physician in the course of prenatal care. The resulting sensitization of the mother’s blood allegedly caused damage to the fetus, resulting in physical defects and premature birth. Did a patient relationship with the transfusing hospital exist?2. The plaintiff’s physician received a release of information from the plaintiff to an insurance company following the plaintiff’s application for major medical insurance. The physician released the following information: Enclosed is a summary of Mr. Millsaps’s recent hospitalization. Physically the man has no notable problems; emotionally, the patient is quite mercurial in his moods. He is a strong-willed man obsessed with faults of others in his family, for which there has been no objective basis. He has completely resisted any constructive advice by his wife, family, minister, or myself. The man needs psychiatric help for his severe obsessions and depressions, some of which have suicidal overtones. He is an extremely poor insurance risk. The application for major medical insurance was rejected. Did the physician have a right to release this information to the insurance company?3. The defendant was executive director of Planned Parenthood. A second defendant was the physician who served as medical director for Planned Parenthood. Both gave information, instruction, and medical advice to married persons about how to prevent conception. The defendants were arrested and found guilty of violating a statute that forbade the use of contraceptives. They then appealed, contending that the statute as applied violated the Fourteenth Amendment. Does a law forbidding the use of contraceptives invade the zone of privacy in violation of the due process clause of the Fourteenth Amendment?4. The New York Legislature passed the New York State Controlled Substances Act of 1971 because of concern about the illegal use of drugs in the state. The act requires that records involving the use of certain prescription drugs be filed by physicians with the New York State Department of Health. These records are kept on computers and include the name and address of patients using the drugs. The concern of the physicians and patients who were plaintiffs was that patients in need of treatment with these drugs would decline treatment for fear of being labeled drug addicts. Was the collection of these records by the state a violation of the patients’ Fourteenth Amendment rights?

Q1. Choose one of the following questions to answer:

What is the ultimate nature of reality?
Can we know anything at all? If so, what, and why do you think so? If not, why not?
How, in general, ought we to live?

Begin by stating your position and offering your best argument in its favor.
Then consider what you take to be the best potential objection to your argument or position.
Finally, defend your argument or position from the potential critique.
Q2. 100-150 WORDS. Critically engage with a peer’s post. Some ways to critically engage with a peer:

Pose an objection to their argument or position that is not considered in their post.
Offer an alternative reply to the objection to their position that they consider in their post.
Draw out a consequence from their position that is interesting and not discussed in their post.
Raise a critical question about their position and then explain why the question is important.

Avoid simply agreeing with their position wholeheartedly or just responding to your peer by restating the argument you make in your own post.
Peer’s Post:

What is the ultimate nature of reality?                          
I think that reality is ultimately chaos that has no true meaning.  Life is chaos, something that even though it might be bound to universal rules. The world has seemingly infinite possibilities,  possibilities we may not fully understand why they happen. Everyone has had something unpredictable in life, things happen that nobody can predict. Nobody can predict the mindset of a child that has been born,  even if it can be something that is influenced, ultimately nature always has a role in how a person might react, and because of this even people are unpredictable. With the knowledge we have, we can always try to guess something will happen. If a kid falls off a high tree he will indeed get hurt, though some have taken such falls and not have a  scratch on them. It is best to try to adapt to the chaos of life and embrace it even. 
Certain things can be influenced however. If you type the “f” key  on your keyboard you can likely expect the letter “f” to pop up,  likewise if you replicate an experment showing that water boils at at a  certain temperature, then it will likely boil when you keep using that  temperature. However the f key when you presss it can get stuck, at  times it can accidentally switch over how the keyboard works on your  computer (such as making a QWERTY keyboard a DVORAK keyboard) and you  may end up typing a “u” instead. Likewise replicating an experiment can  sometimes yield different results. Maybe the boiling temperature boils  when it reaches five minutes instead of ten, likewise altitude has an  effect on how the temperature boils, so said water may not even boil at  all. Overall life and reality is unpredictable, maybe not totally random  but unpredictable, therefore in terms of metaphysics it would be chaos.

This request requires extensive risk management knowledge especially in relation to the fundamental review of the trading book. The work consists of analyzing an excel file and calculating various elements as indicated. Please accept this request only if you are familiar with these concepts, as you won’t find the answers online and you have to conduct the calculus yourself (you need to present how you reached the final answers). Request: You are a risk manager in very simple bank. All you trade is SPX index positions and WTI. You are tasked with assessing the impact of the new FRTB capital rules on your trading book. We have provided historical data on these assets. Your job is to compute the impact of the change in risk model and to explain these to your managers. 1)Study the 3 attachments as well as Hull Chapter 18. Note that equation 18.1 is missing a square root on the output of the formula. 2)Briefly summarize the main changes, at a high level, between Basel 2.5 and FRTB. What do you think are the regulators’ motivation for the changes? 3)Use the attached spreadsheet: FRTB Data, to perform the Following Calculations -Assume $1mm of SPX and $2mm of WTI as your position -Note that SPX is a 10 day liquidity asset and WTI is a 20 day asset for the internal model -Equity risk weight for standard model is 55% (for SPX), commodity risk weight is 35% (for this commodity) -Capital calculations: O old VaR O old stressed VaR O old capital charge (Basel 2.5) O stressed ES of both assets combined O stressed ES WTI O liquidity adjusted ES (new capital charge) O standardized equity risk charge O standardized commodity risk charge O standardized risk charge for portfolio O floor of standard charge to be compared to internal model (72.5% long term) 4)Answer the questions below. Please note that in this study we are not considering charges for default. I.e. we are not looking at the replacements for specific risk and IRC charges. Questions to Answer: 1. The FRTB standard model looks a lot like a VaR model but with 3 sets of fixed correlations within risk classes to obtain the risk charge for each risk class. The total (delta) risk charge for all risk classes is the sum of the risk charges for each risk class. Why do you think the regulators decided to add risk charges across risk classes assuming 100% correlation? 2. The floor for the standard model is going to be 72.5%. that means that using an internal model can’t save more than 27.5% capital. What implication do you think this has for adoption of the internal models? Note that in our example we only used 10 and 20 day liquidity assets. The assets with longer liquidity periods get much higher charges. 3. Does the complexity of the model and the arbitrary set of risk factors make it difficult or easy to manage a business using these capital models to measure risk. Why? 4. From a risk management perspective, briefly discuss the merits of using ES instead of VaR.

Instructions
Reflecting on this week’s lesson about financial statement analysis, identify five financial ratios that you feel are the most important and why.
Your journal entry must be at least 400 words in length. No references or citations are necessary.
Instructions
Cookie Creations (Chapter 18)
This assignment is a continuation of the Cookie Creations case study.
For this assignment, you will apply what you have learned from Chapter 18 as an introduction to the financial analysis. This assignment will allow you to practice what you have learned so far.
Natalie and Curtis have comparative balance sheets and income statements for Cookie & Coffee Creations, Inc. They have been told that they can use these financial statements to prepare horizontal and vertical analyses, to calculate financial ratios, to analyze how their business is doing, and to make some decisions they have been considering. Below, you are provided with the balance sheet and income statement of Cookie & Coffee Creations Inc. for its first year of operations; the year ended October 31, 2021. Review the calculations below, and then review the additional case information to calculate the ratios.
Review the additional case information below.
Natalie and Curtis are thinking about borrowing an additional $20,000 to buy more equipment. The loan would be repaid over a 4-year period. The terms of the loan provide for equal semi-annual installment payments of $2,500 on May 1 and November 1 of each year, plus interest of 5% on the outstanding balance. Dividends on preferred stock were $1,400. Since this is the first year of operations and the beginning balances are zero, use the ending balance as the average balance where appropriate.
Complete the tasks listed below.

Calculate the following ratios:

current ratio,
accounts receivable turnover,
inventory turnover,
debt to assets ratio,
times interest earned,
gross profit rate,
profit margin,
asset turnover,
return on assets, and
return on common stockholders’ equity.

Comment on your findings from item “a.”
Based on your analysis in items “a” and “b”, do you think a bank would lend Cookie & Coffee Creations Inc. $20,000 to buy the additional equipment? Explain your reasoning.
What alternatives could Cookie & Coffee Creations Inc. consider instead of bank financing?

Complete your calculations for item “a” in either an Excel spreadsheet or a Word document. If you complete item “a” in an Excel spreadsheet, complete items “b–d” in a Word document, and submit the Excel spreadsheet and the Word document in Blackboard. If you complete items “a–d” in a Word document, submit your calculations to item “a” and your responses for items “b–d” in a single Word document in Blackboard. Your total submission should be a minimum of two pages in length, including your calculations. Include at least two references. Adhere to APA Style when creating citations and references for this assignment.

Prior to beginning work on this assignment,Review the cases Malorney v. B&L Motor Freight, Inc., 496 N.C.2d 1086 (Ill. Ct. App. 1986) download, and Raleigh v. Performance Plumbing and Heating, 130 P.3d 1011 (Colo. 2006) download.Superior Electrical (Superior) was in the business of installing electrical wiring and related components at new construction sites. Because some employees were assigned company vehicles equipped with company tools and materials and were expected to drive those vehicles to the work sites, Superior required all employment applicants to hold a valid driver’s license. Employees who were assigned a company vehicle were expected to drive for the company during the workday in order to transport job materials and company tools that were kept on the vehicle to job sites. These employees were expected to take the company issued vehicle home at the end of the work day.Superior hired Cory Jones as an apprentice electrician. Jones had completed an employment application in which he stated that he had a valid driver’s license and had not been cited for any traffic violations. These statements were untrue. His license had been suspended because of numerous traffic violations, including careless driving and driving without a license. Superior did not check on his driving record at the time he was hired because, as an apprentice electrician, he was not being assigned a company vehicle and was not expected to drive for the company during the work day.About a year after hiring Jones, Superior promoted him to electrician and assigned Jones a company vehicle equipped with a rack for transporting wiring and other materials to and from the work sites. Superior intended that Jones drive during the day for the company and to take the vehicle home after the end of the work day. On a later date, when Jones’s work hours had ended and he was driving home in the company vehicle, he collided with two cars. The collision resulted solely from Jones’s negligence. Carolyn Carson and her son were severely injured in the collision and they sued Superior. The Carson’s alleged two theories of recovery against Superior: respondeat superior and negligent hiring.Write a four- to five-page paper (not including title and references pages) that addresses the following:Identify and discuss the legal elements of negligent hiring.Apply those elements of negligent hiring to the facts given in the case.Analyze whether Superior would be liable for negligent hiring.Identify and discuss the legal elements of respondeat superior.Apply those elements of respondeat superior to the facts given in the case.Analyze whether Superior would be liable on respondeat superior grounds.The Negligent Tort Liability paperMust be four to five double-spaced pages in length (not including title and references pages and formatted according to APA style as outlined in the UAGC Writing Center’s APA Style (Links to an external site.) resource.