Mastersgrade

A 75-year-old female complains of burning pain in her arms. She was working in her garden and spilled a dry powder on them. After you remove the powder, you observe circumferential blistered and mottled skin of both her forearms and hands. What percentage of her Total Body Surface Area should you estimate is burned? - ANSWER 9 ANSWER Pelvic Fracture A 5-year-old male complains of pain in his left hand after he spilled liquid drain cleaner on it. His hand is reddened, and you smell a strong...

CMN 101 Exam 3 Correct Questions & Answers 100% (Latest Update 2023)

CMN 101 Exam 3 Correct Questions & Answers 100% (Latest Update 2023)

What is convergence? - ANSWER A strategy by which you adapt your communication behavior in such a way as to become more similar to another person What is divergence? What are the special forms of divergence? - ANSWER A strategy of accentuating the differences between yourself and another person Maintenance: persisting in one's original communication style Over accommodation: demeaning or patronizing talk: excessive concern paid to vocal clarity, simplification, etc. What is initial or...

How many people are usually in groups? -ANSWER three + people working together. only up to 7 loafers/slouches -ANSWER people who ride on the short tails or the work of other people what is the optimal group size? -ANSWER 5 people how many people are usually in a jury group? -ANSWER 12 people what is the most intense group experience -ANSWER jury group What is important in a group? -ANSWER talking the smaller group -ANSWER there is less tension and it is easier. but it pr...

What is the central claim of cultivation theory? - ANSWER Heavy exposure to media content can cause individuals to develop/cultivate a distorted perception of reality What counts as dramatic violence according to Gerbner's definition of the term? (p. 368) - ANSWER knife waving around, held at gunpoint, robbing a bank, cartoon violence, physical force with or without a weapon to yourself or others. -**rules out verbal abuse, pie in face slapstick, idle threats Symbolic double jeopardy? - ...

What section of a speech should you create first? - ANSWER body What is the primary purpose of the main points? - ANSWER to get you central idea across to your audience How are the main points devised? - ANSWER 1&2- focus on problem 3- provide solution What are the 5 tips for developing the main points? - ANSWER limit # of points restrict main points to single idea avoid announcements customize points for each audience use parallel language when possible What are the 6 patterns ...

What is the definition of a group? - ANSWER - 3+ people working together to achieve a common goal - important to individuals and society as a means for achieving individual and group goals What are the primary problems in groups? - ANSWER communication evaluation control decision making tension reintegration communication problem - ANSWER do not adequately share information and do not provide enough varied information evaluation problem - ANSWER do not share opinions and do not t...

Social Exchange Theory - ANSWER explains the process of balancing the advantages and disadvantages of a relationship. Intrinsic rewards lasting and satisfying of all rewards Uncertainty Reduction Theory - ANSWER when two people meet, their main focus is on decreasing the uncertainty about each other Strategies of Getting Rid of Uncertainty - ANSWER Passive: observing others in communication without interacting Active: obtain information by directly getting from a third party Interactive:...

strategic risk - ANSWER uncertainties associated with the organizations long term goals and management decisions operational risk - ANSWER uncertainties associated with the organizations procedures, systems, and policies financial risk - ANSWER uncertainties associated with the organizations financial activities facilitated workshops - ANSWER a neutral party, who has no stake int he outcome or participation responsibilities, administers the risk workshop and propels the group to achieve...

HAZOP Process Steps - ANSWER 1. Divide project/system into small components 2. Review components to identify risk 3. Identify cause and potential outcomes of risks 4. Develop solutions to risks 5. Ensure solutions work and reevaluate SWOT analysis (strengths, weaknesses, opportunities, threats) - ANSWER A SWOT analysis is useful when there is a specific goal, such as determining whether engaging in a new product or project is feasible. It's less useful for analyzing current processes and...

holistic approach to managing risk - ANSWER -broader in scope, managing all areas of the business, not just hazard risks -encompasses the analysis and predictability of business processes and organizational decisions -mandates the collaboration of internal and external stakeholders to identify, assess, and treat risks -involves looking at what might be gained from decisions or actions -can uncover inconsistencies in how a company managers loss retention -can help orgs better absorb losses ...

A risk map showing a large difference between inherent and residual risk indicates which one of the following? A. The risk is within the organization's risk appetite B. The current risk treatment is ineffective C. The current risk treatment is effective D. The risk does not need to be treated - ANSWER C Lucas, a risk professional for Jones Incorporated, recently met with experts from the utility industry to discuss the potential loss of supply and risks to the infrastructure. Lucas must ...

The administrative authority of the Commissioner includes all but which of the following? - Promulgate rules or regulations implementing the S.A.F.E. Act - Administer, interpret, and enforce the S.A.F.E. Act - Carry out the intentions of the Legislature - Sentencing violators of the S.A.F.E. Act to appropriate prison terms - ANSWER Sentencing violators of the S.A.F.E. Act to appropriate prison terms Which of the following forms of compensation is a violation of RESPA? - A fee paid by...

What law deals with credit, APR & Advertising of consumer loans? - ANSWERS TILA Which regulation prohibits kickbacks? - ANSWERS RESPA Which regulations require the lender to cancel PMI when the loan reaches 78% LTV? - ANSWERS HPA-Homeowners Protection Act Which Regulation prohibits fee splitting? - ANSWERS RESPA Regulation X is the letter used to describe which law? - ANSWERS RESPA RESPA is the acronym used to describe which law? - ANSWERS Real Estate Settlement Procedures Act ...

Housing & Economic Recovery Act 2008 - Title V - ANSWER Entitled the S.A.F. S.A.F.E. - ANSWER Secure and Fair Enforcement NMLS - ANSWER Nationwide Mortgage Licensing System & Registry MLO - ANSWER Mortgage Loan Originator S.A.F.E. Mortgage Licensing Act of 2008 - ANSWER Enhance consumer protection, reduce fraud by requiring ALL MLOs to be either state-licensed or federally registered. ALL states must must implement a MLO licensing process that meets certain standards through the NMLS...

An application must be accompanied by fingerprints when applying for a. Licensed MLO b. Registered MLO c. not required d. required for both licensed and registered MLO -ANSWER d Quarterly mortgage call reports must be filed a. within 30 days of the end of the calendar quarter b. within 30 days of the end of the fiscal quarter c. within 45 days of the end of the calendar quarter d. within 45 days of the end of the fiscal quarter -ANSWER c. within45 days of the end of the calendar q...

If an application for credit is DENIED based on the appraisal under ECOA (Reg B), how many days does the borrower have to request a copy and how many days does the lender have to deliver? - ANSWER The borrower has 90 to request and the lender as 30 days to deliver. Appraisal equals? - ANSWER Value What law allows the borrower to challenge the value stated in the appraisal? - ANSWER ECOA (Reg B), Equal Credit Opportunity Act What is ECOA? - ANSWER Equal Credit Opportunity Act (Reg B) ...

which federal agency administers Regulation B implementing ECOA, Rgulation C implementig HMDA and Regulation Z implementing TILA? - ANSWER FEDERAL RESERVE SYSTEM the clause in a mortgage that allows the lender to foreclose if the borrower defaults is the - ANSWER Acceleration Clause at closing a borrower may deposit funds to establish reserves for which of the following? - ANSWER TAXES AND INSURANCE in a qualification of an applicant who receives child support and alimony - ANSWER CHILD...

Taking advantage of ill-informed consumers through excessively high fees, misrepresented loan terms, frequent refinancing that does not benefit the borrower and other prohibited acts is called __________________________. - ANSWER Predatory Lending. RESPA-Real Estate Settlement Procedures Act - ANSWER The Federal Statute that deals with the settlement of residential mortgage loans. RESPA's section 9 Prohibits - ANSWER Home sellers from requiring home buyers to purchase title insurance from...