Answer: Competence
Explanation: Competence is showcased when an individual demonstrates a reasonable level of expertise in a particular art enabling such person to perform efficiently. In the scenario above, Marcia could be described as being competent as she was able to put her acquired coding skill to use while solving a real world problem. Learning a skill or various skills doesn't define competence, however, the ability to put such skills into real world usage defines the level of competence of such individual.
Answer: Valley
Explanation: Valleys are among the most common features in the world. They are a stretch of land that lies between hills and normally has a river running through it. In addition, valleys are typically formed by erosion which is the gradual breakdown of materials.
The following statements describe accurately the terms of this mortgage:
-"The monthly interest rate is 4 percent". This means that each month, the owner will have to pay the normal fee plus 4% of it.
-"Monthly payments must be for 30 years". This means that the owner will have to make a payment every month for 30 years in order to pay their debt.
-"The homeowner is borrowing $200.000". This is the amount of money the homeowner is borrowing from the bank or company, which they will pay by making monthly payments for 30 years.
The other three statements do not describe the terms of the mortgage as they misunderstand the details.
-Payments must be made for 30 years, with 12 months each year, it makes it 360 payments in total. Not monthly payments for 360 years and the homeowner is not borrowing $360.000 either.
-The annual interest rate is not 4.8% . The correct way to find this value is by taking into account days and months, which would make it be around 60%.
<span>The Columbian Exchange refers to a period of cultural and biological exchanges between the New and Old Worlds. Exchanges of plants, animals, diseases and technology transformed European and Native American ways of life. Beginning after Columbus' discovery in 1492 the exchange lasted throughout the years of expansion and discovery. The Columbian Exchange impacted the social and cultural makeup of both sides of the Atlantic. Advancements in agricultural production, evolution of warfare, increased mortality rates and education are a few examples of the effect of the Columbian Exchange on both Europeans and Native Americans</span>
