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NEW QUESTION: 1
Christopher Robinson, chairman of the board of directors for a private endowment fund, believes that the endowment fund for which he is responsible has diverged too far from its stated objectives. Over several years the board has increased the size of the fund's equity position beyond the stated limits of the investment policy statement. In an effort to realign the fund's investments, Robinson has elected to choose a mortgage-backed security (MBS) for inclusion in the endowment's portfolio. After surveying the MBS market, Robinson has selected four MBS securities to present as potential investments at the next investment committee meeting. Details on the selected MBS securities are presented below:

At the investment committee meeting, a fellow board member raises his concerns over the potential MBS investments stating, "While we all agree that the fixed-income proportion of the endowment is much too small, I am not sure the suggested MBS securities will fulfill the cash flow requirements of the endowment.
What risks are we taking on by allocating a portion of the portfolio to these investments? We cannot afford to end up with a timing mismatch between the cash needs of the endowment and the cash provided from its investments. Also, we have given no consideration to commercial mortgage backed securities (CMBS).
Isn't our analysis incomplete if we fail to give proper discussion of potential CMBS investment opportunities?" Robinson responded to his fellow board member by addressing the board member's concerns as follows:
"Since the cash requirements of the endowment fund fluctuate directly with interest rates, the cash flows provided from the MBS will provide adequate protection against cash shortfalls arising from differences in the timing of cash needs and cash sources. In addition, we can further reduce uncertainty surrounding the timing of cash flows by purchasing planned amortization class CMOs, which are securities issued against pools of MBS. CMBS were not presented due to the unacceptable risk profile of the comparable CMBS trading in the marketplace." Which of the following factors would most likely increase the rate of prepayments on any of the listed MBS securities?
A. Annualized GDP growth, on an inflation adjusted basis, increases from last year.
B. The Federal Reserve increases the reserve requirement for domestic banks.
C. Interest rates hit a low of 5.2% for the second time in the same year.
Answer: A
Explanation:
Explanation/Reference:
Explanation:
Increased economic growth increases incomes and worker migration. In turn, higher incomes will lead some households to purchase more expensive houses. Workers who migrate to a new location because of increased job opportunities will also repay mortgages when they sell their homes. If the Fed increases reserve requirements, interest rates will increase as a result of the restrictive monetary policy and prepayments will decrease. If interest rates hit a low point a second time, prepayments will occur but at a significantly lower rate than when the first interest rate low occurred. (Study Session 15> LOS 55-0

NEW QUESTION: 2
The PowerBall Lottery has reached an unusually high value this week. Your company has decided to raise morale by allowing employees to access the PowerBall Lottery website (www.powerball.com) for just this week. However, the company does not want employees to access any other websites also listed in the URL filtering "gambling" category.
Which method allows the employees to access the PowerBall Lottery website but without unblocking access to the "gambling" URL category?
A. Manually remove powerball.com from the gambling URL category.
B. Add just the URL www.powerball.com to a Security policy allow rule.
C. Add *.powerball.com to the URL Filtering allow list.
D. Create a custom URL category, add *.powerball.com to it and allow it in the Security Profile.
Answer: C,D

NEW QUESTION: 3
You have a database that stores information for a shipping company. You create a table named Customers by running the following Transact-SQL statement. (Line numbers are included for reference only.)

You need to ensure that salespeople can view data only for the customers that are assigned to them.
Which Transact-SQL segment should you insert at line 07?
A. RETURNS tableWITH Schemabinding
B. RETURNS tableORDER BY @salesPerson
C. RETURNS dbo.CustomersORDER BY @salesPerson
D. RETURNS varchar(20)WITH Schemabinding
Answer: A
Explanation:
The return value can either be a scalar (single) value or a table.
SELECT 1 just selects a 1 for every row, of course. What it's used for in this case is testing whether any rows exist that match the criteria: if a row exists that matches the WHERE clause, then it returns 1, otherwise it returns nothing.
Specify the WITH SCHEMABINDING clause when you are creating the function. This ensures that the objects referenced in the function definition cannot be modified unless the function is also modified.
References: https://docs.microsoft.com/en-us/sql/t-sql/statements/create-function-transact-sql

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