9. Find the present value of an auto loan with an annual interest rate of 4.5% and periodic payments of $365.50 for a term of 5 years, with payments made and interest charged 12
times per year.

Agroup of student volunteers participates in a study designed to assess several behavioral interventions for improving output in a repetitive task. prior to the beginning of the study, all volunteers unknowingly observed, and their output is measured. at the beginning of the study, prior to any intervention, the volunteers perform the same task under the observation of a study administrator, and their overall output increases. which of the following terms describes this phenomenon? a. simpson's paradox b. hawthorne effect are d. novelty effect d. pygmalion effect e. observer-expectancy effect