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Answer:Sorry i cant see the answer
Step-by-step explanation:
Related Questions
Please just do question C(ii).
(a) Consider p(z) = z^3 + 2z^2 – 6z +1 when z € C. Prove that if zo is a root of p(z) then zo is also a root. (b) Prove a generalization of (a): Theorem: For any polynomial with real coefficients, if zo € C is a root, then zo is also a root. (c) Consider g(z) = z^2 – 2z: (i) Find the roots of g(z) and show that they satisfy the conclusion of the theorem in (b).
(ii) Explain why the theorem in (b) does not apply to g(z).
Answers
For part (c)(ii), we need to explain why the theorem in (b) does not apply to g(z).
The theorem in (b) states that for any polynomial with real coefficients, if zo € C is a root, then zo is also a root. However, g(z) = z^2 - 2z does not have real coefficients, as the coefficient of the z term is -2, which is not a real number.
Therefore, we cannot apply the theorem in (b) to g(z) since it does not satisfy the condition of having real coefficients. However, we can still find the roots of g(z) and show that they satisfy the conclusion of the theorem in (b) if we consider g(z) as a polynomial with complex coefficients.
To find the roots of g(z), we set g(z) equal to zero and solve for z:
z^2 - 2z = 0
z(z - 2) = 0
So the roots of g(z) are z = 0 and z = 2.
If we consider g(z) as a polynomial with complex coefficients, then we can apply the theorem in (b) and conclude that if z = 0 or z = 2 is a root of g(z), then it is also a root of g(z) with real coefficients. However, we cannot apply the theorem in (b) to g(z) directly since it does not have real coefficients.
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Use truth tables to determine whether the following pairs of symbolized statements are logically equivalent, contradictory, consistent, or inconsistent. First, determine whether the pairs of propositions are logically equivalent or contradictory; then, if these relations do not apply, determine if they are consistent or inconsistent.
â¼D ⨠B â¼ (D ·â¼B)
Answers
We can see that there are two combinations (D=T, B=F and D=F, B=T) for which both statements are true. Therefore, the given statements are consistent.
The statement given is:
¬D ∨ B ≡ ¬(D ∧ ¬B)
To show whether the given statements are logically equivalent, we can create a truth table and check if the two statements have the same truth values for all possible combinations of the propositions.
Let's start with the truth table for the left-hand side of the given statement:
D B ¬D ∨ B
----------------------
T T T
T F T
F T T
F F F
Next, let's create the truth table for the right-hand side of the given statement:
D B D ∧ ¬B ¬(D ∧ ¬B)
----------------------------------
T T F T
T F T F
F T F T
F F F T
Comparing the truth tables for both sides of the statement, we can see that they have different truth values for some combinations of D and B. Therefore, the given statements are not logically equivalent.
To determine if the given statements are contradictory or consistent, we can check if there is any combination of D and B for which both statements are true (consistent) or if there is no combination for which both statements are true (contradictory).
From the truth tables, we can see that there are two combinations (D=T, B=F and D=F, B=T) for which both statements are true. Therefore, the given statements are consistent.
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Look at the calendar. If thirteen months have passed since the circled date, what day would it be?
A. July 5th
B. July 6th
C. August 5th
D. August 6th
Answers
Answer: C
Step-by-step explanation: When did the calendar change from 13 months?
The 1752 Calendar Change
Today, Americans are used to a calendar with a "year" based the earth's rotation around the sun, with "months" having no relationship to the cycles of the moon and New Years Day falling on January 1. However, that system was not adopted in England and its colonies until 1752.
Solve the equation. (Enter your answers as a comma-separated list. Use n as an arbitrary integer. Enter your response in radians.) tan x + 3 = 0 X = 1 x
Answers
one solution of the equation is approximately 1.8925469 radians.
The equation is:
tan(x) + 3 = 0
Subtracting 3 from both sides, we get:
tan(x) = -3
Taking the inverse tangent of both sides, we get:
x = arctan(-3)
However, the tangent function is periodic with period π, which means that there are infinitely many solutions to this equation. In general, the solutions are given by:
x = arctan(-3) + nπ, where n is an arbitrary integer.
Using a calculator to approximate arctan(-3), we get:
arctan(-3) ≈ -1.2490458
Therefore, the general solution to the equation is:
x ≈ -1.2490458 + nπ, where n is an arbitrary integer.
If we substitute n = 1, we get:
x ≈ -1.2490458 + π
Using a calculator to approximate this value, we get:
x ≈ 1.8925469
So one solution of the equation is approximately 1.8925469 radians.
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tan(0)/ csc (0)sec (0)
Write this expression in trigonometric form
Answers
The simplified trigonometric expression is given as follows:
tan(x)/[csc(x)sec(x)] = sin²(x).
How to simplify the trigonometric expression?The trigonometric expression in the context of this problem is defined as follows:
tan(x)/[csc(x)sec(x)].
The definitions of tangent, cosecant and secant are given as follows:
tan(x) = sin(x)/cos(x).csc(x) = 1/sin(x).sec(x) = 1/cos(x).Hence the denominator of the simplified expression is given as follows:
csc(x)sec(x) = 1/sin(x) x 1/cos(x) = 1/(sin(x)cos(x)).
When two fractions are divided, we multiply the numerator by the inverse of the denominator, hence:
tan(x)/[csc(x)sec(x)] = sin(x)/cos(x) x sin(x) x cos(x) = sin²(x).
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Beth's 530-gallon rainwater storage tank is full from spring storms. She uses about 20 gallons of water from the tank per week to irrigate her garden. You can use a function to approximate how many gallons are left in the tank after x weeks if there are no more storms.
Answers
This can be modeled with the linear function.
f(x) = 530 - 20x
How to define the function?We can model this with a linear function. We know that the initial volume of the tank is 530 gallons, and we know that she uses 20 gallons per week.
So, if the variable x describes the number of weeks, the volume at week x will be 530 gallons minus 20 gallons times x.
This is written as a linear function:
f(x) = 530 - 20x
That function gives the volume left after x weeks.
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Most problems involving the Intermediate Value Theorem will require a three step process:
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Most problems involving the Intermediate Value Theorem will require a three-step process:
1. Verify that the function f is continuous on the closed interval [a,b].
2. Find two points, say p and q, in the interval [a,b] such that f(p) and f(q) have opposite signs.
3. Apply the Intermediate Value Theorem, which guarantees the existence of a root of the equation f(x) = 0 in the interval [p,q].
Most problems involving the Intermediate Value Theorem require a three-step process:
Step 1: Verify the conditions for the Intermediate Value Theorem (IVT)
To apply the IVT, ensure that the function is continuous on a closed interval [a, b]. If it's continuous, you can proceed to the next step.
Step 2: Determine the values of the function at the endpoints
Evaluate the function at the given interval's endpoints, f(a) and f(b).
Step 3: Apply the Intermediate Value Theorem
If there is a value 'c' between f(a) and f(b) such that f(a) < c < f(b) (or f(a) > c > f(b)), then by the IVT, there exists a value x in the interval (a, b) such that f(x) = c.
Keep in mind these steps when solving problems involving the Intermediate Value Theorem.
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A soccer couch wants to choose one starter and one reserve player for a certain position. If the candidate players are 8 players, in how many ways can they be chosen and ordered?
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The coach has 56 options for selecting and ordering one starter and one reserve player for the position.
What is probability?Probability is a field of mathematics that calculates the likelihood of an experiment occurring. We can know everything from the chance of getting heads or tails in a coin to the possibility of inaccuracy in study by using probability.
The soccer coach wants to choose one starter and one reserve player from a group of 8 players.
First, the coach can choose the starter from the 8 players in 8 ways.
After the starter has been chosen, there are 7 players left to choose from for the reserve position. Thus, the reserve player can be chosen in 7 ways.
Since the order in which the players are chosen matters, there are 8 x 7 = 56 ways to choose and order one starter and one reserve player from a group of 8 players.
Therefore, the coach has 56 possible ways to choose and order one starter and one reserve player for the position.
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f(x)=x^3+kx^2-2xk^2, find a particular point such that f'(x)=0
in the interval (-2k,0)
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A particular point where f'(x) = 0 in the interval (-2k, 0) is x = -k.
To find the derivative of f(x), we need to use the power rule and get f'(x) = 3x² + 2kx - 2k². To find the critical points where f'(x) = 0, we set f'(x) equal to 0 and solve for x:
3x² + 2kx - 2k² = 0
We can then use the quadratic formula to solve for x:
x = (-2k ± √(4k² - 4(3)(-2k²))) / (2(3))
x = (-2k ± 2k) / 6
Simplifying the expression, we get two solutions: x = -k and x = 2k/3. Since we are looking for a solution in the interval (-2k, 0), the only solution that satisfies this condition is x = -k. Therefore, a particular point where f'(x) = 0 in the interval (-2k, 0) is x = -k.
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the graphs show the market labor supply (ls) curve for the country of littleland. the two graphs show different shifts in the ls curve, from ls1 to ls2. assume there is no change in the labor demand curve. for each statement, select the graph that illustrates the appropriate shift.
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Graph 1 illustrates a shift in the labor supply (LS) curve from LS1 to LS2 that represents an increase in labor supply in the country of Littleland.
In Graph 1, the LS2 curve is positioned to the right of the LS1 curve, indicating an increase in labor supply. This shift could occur due to various factors such as an increase in population, an increase in the number of people entering the labor force, or a decrease in the retirement age. As a result, there is an upward shift in the quantity of labor supplied at each wage level, indicating that more people are willing and able to work at any given wage rate.
Therefore, Graph 1 illustrates an increase in labor supply in the country of Littleland
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Rena knows a dollar coin has a mass of a little less than 10 grams. She estimates 1 kilogram of coins would be be worth more than a million dollars. Is this reasonable explain.
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Answer: No, it is not reasonable that 1 kilogram of coins would be worth more than a million dollars.
There are a few reasons why this is the case:
1. A kilogram of coins would contain 1000 grams. If each dollar coin weighs less than 10 grams, then a kilogram of dollar coins would contain more than 100 coins. Even if each coin were worth $1000 (which is much more than the face value of a dollar coin), 100 coins would only be worth $100,000.
2. In reality, each dollar coin is worth exactly $1. This means that a kilogram of dollar coins would be worth $1000, which is much less than a million dollars.
3. If Rena's estimate were true, then a single dollar coin would be worth more than $1000, which is clearly not the case.
Therefore, Rena's estimate is not reasonable.
Step-by-step explanation:
This is not reasonable.
What is unit Conversion?Conversion could appear difficult, but this tip will make it simple for you to convert any unit. The fundamental rule is to multiply when converting from a larger unit to a smaller unit. Divide if you need to go from a smaller to a larger unit.
We have,
A dollar coin has a mass of a little less than 10 grams.
as, 1 Kg = 1000 gm
let a dollar coin mass be x.
So, x < 10 gm
and, 100x < 1000
Now, comparing 1000000 x < 1000000 gm
1000000 x < 1000 Kg
Thus, this is not reasonable.
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In exercises 43 through 46, solve the given separable initial value problem.
43. Dy/dx = -2y; y = 3 when x = 0
44. Dy/dx = xy; y = 1 when x = 0
45. Dy/dx = e^(x+y); y = 0 when x = 0 46, dy/dx = √(y/x') y = 1 when x =1
Answers
The initial value of the given problems are [tex]y = 3e^{(-2x)}, y = e^{(x^{2/2)}}, y(x) = ln|e^x - 1| and y(x) = (2/3)(x^{(3/2)} + 7)^{2/3}.[/tex]
The given differential equation is dy/dx = -2y; y = 3 when x = 0.
Here,
dy/dx = -2y
dy/y = -2dx
Integrating both sides
ln|y| = -2x + C
here C is the constant of integration.
Now to solve for C, the initial condition y = 3 when x = 0:
ln|3| = -2(0) + C
C = ln|3|
Then, the solution to the differential equation
ln|y| = -2x + ln|3|
ln|y/3| = -2x
[tex]y/3 = e^{(-2x)}[/tex]
[tex]y = 3e^{(-2x)}[/tex]
The given differential equation is dy/dx = xy; y = 1 when x = 0.
Similarly the other questions can be done by the same method,
dy/y = x dx
Integrating both sides
[tex]ln|y| = (x^2)/2 + C[/tex]
here C is the constant of integration.
To solve for C, the initial condition y = 1 when x = 0:
[tex]ln|1| = (0^2)/2 + C[/tex]
C = 0
The n, the solution to the differential equation
[tex]ln|y| = (x^2)/2[/tex]
[tex]|y| = e^(x^2/2)[/tex]
[tex]y = ±e^{(x^2/2)}[/tex]
Since y(0) = 1, we have:
[tex]y = e^{(x^{2/2})}[/tex]
For the next question
[tex]dy/dx = e^{(x+y)}[/tex]; y = 0 when x = 0
[tex]dy/e^{y} = e^x dx[/tex]
Integrating both sides
[tex]ln|e^y| + C_1= e^x + C_2[/tex]
here C_1 and C_2 are constants of integration.
[tex]y(x) = ln|C_3e^x - 1|[/tex]
Here C_3 is a constant of integration.
Utilizing the initial condition y(0) = 0:
[tex]y(x) = ln|e^x - 1|[/tex]
Now,
[tex]dy/dx = \sqrt{(y/x')};[/tex] y(1) = 1
[tex]sqrt{(y)} dy= sqrt{(x')} dxdxdxdx[/tex]
Integrating both sides gives:
[tex](2/3)y^{(3/2)} + C_4= (2/3)x^{(3/2)} + C_5[/tex]
here C_4 and C_5 are constants of integration.
[tex]y(x) = (2/3)(x^{(3/2)} + C_6)^{2/3}[/tex]
here C_6 is a constant of integration.
Utilizing the initial condition y(1) = 1
[tex]y(x) = (2/3)(x^{(3/2)} + 7)^{2/3}[/tex]
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In 1979 topical storm Claudette produced torrential rains when it hit Texas. The highest one-day total was reported in Alvin, Texas where a record breaking 42 inches of rain fell in a single day. This remains the 24 hour record for any location in the United States. A rectangular region R of a National Weather Service isohyet map has been subdivided into grid areas, each 5 miles by 5 miles. The isohyets show levels of rainfall in inches within the 3 day period July 24-27, 1979. If the accumulated rain water somehow didn't flow away and formed a watery surface in the region R, isohyets will be the level sets of that surface.
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An explanation of how isohyets relate to Tropical Storm Claudette in 1979 and the formation of a watery surface in region R.
In 1979, Tropical Storm Claudette produced torrential rains when it hit Texas, with the highest one-day total reported in Alvin, Texas, where a record-breaking 42 inches of rain fell in a single day. This remains the 24-hour record for any location in the United States.
On a National Weather Service isohyet map, a rectangular region R has been subdivided into grid areas, each measuring 5 miles by 5 miles. The isohyets show levels of rainfall in inches within the 3-day period of July 24-27, 1979.
If the accumulated rainwater somehow didn't flow away and formed a watery surface in region R, the isohyets would be the level sets of that surface. Isohyets are contour lines that connect points of equal precipitation, and they help visualize the distribution of rainfall over a specific area. In this case, the isohyets would represent the depth of the watery surface at different points within region R, with each contour line connecting points with the same depth of accumulated rainfall.
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How do you solve question 8 of geometry worksheet? (Grade 8th)
Answers
14. Divide (x4 - 5x² + 2x-8) + (x+2)
Answers
Answer: Dividing (x⁴ - 5x² + 2x - 8) by (x + 2) using polynomial long division:
x³ - 2x² - x + 4
________________________
x + 2 | x⁴ - 5x² + 2x - 8
| x⁴ + 2x³
| _____________
-2x³ + 2x²
-2x³ - 4x²
_____________
6x² + 2x
6x² + 12x
_____________
-10x - 8
Therefore, the quotient is x³ - 2x² - x + 4 and the remainder is -10x - 8.
Step-by-step explanation:
In the rectangle below, AE =3x+7, CE=5x-3, and mZECB=40°.
Find BD and m ZAED.
A
D
E
B
с
BD = 0
m ZAED =
n
Answers
The length of BD is 8x + 4.
The value of angle AED is determined as 100⁰.
What is the length BD?The length of BD is calculated as follows;
Based on the property of rectangle;
length BD = length AC
Length AC = AE + EC
Length AC = 3x + 7 + 5x - 3
Length AC = 8x + 4
Length BD = 8x + 4
The value of angle ECB = 40⁰
then, angle EAD = 40⁰ (alternate angles are equal)
angle EDA = 40⁰ (vertical opposite angles )
angle AED = 180 - (40 + 40) ( sum of angles in a triangle)
angle AED = 100⁰
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PLS HELP ASAP THANKS
Answers
Answer:−
2x2−8x−9
Step-by-step explanation:
Use a graphing calculator to solve this:
Answers
The solution to the system of equations is given as follows:
(-1, 0.5).
How to solve the system of equations?The system of equations in the context of this problem is defined as follows:
y = -0.5x.y = 0.75x + 1.25.At the solution, the two systems have the same x-coordinates and y-coordinates, hence the value of x of the solution is obtained as follows:
-0.5x = 0.75x + 1.25.
-1.25x = 1.25
1.25x = -1.25
x = -1.25/1.25
x = -1.
Then the y-coordinate of the solution is given as follows:
y = -0.5(-1)
y = 0.5.
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Is the following graph informative or manipulative? Explain your reasoning
Answers
Answer:
Informative!
Step-by-step explanation:
subtract 2/3 minus 1/10. Simplify the answer.
a 17/30
b 23/30
c 1/7
d1/30
Answers
Answer: The correct answer is A
Step-by-step explanation: The equation is
2/3-1/10
The denominators are 3 and 10
And the lcm of 3 and 10 is 30
2(10)-1(3)/30
=(20-3)/30 =17/30
Show that the average degree of a vertex in the triangulation is strictly less than 6
Answers
In any planar triangulation, there are always fewer edges than three times the number of vertices, so the average degree of a vertex must be less than 6.
Let V stand for the triangulation's collection of vertices and E for its set of edges. As each edge adds two degrees to the total degree count, the triangulation's total degree count is equal to twice the number of edges. Thus,
Σdeg(v) = 2|E| where deg(v) is the degree of vertex v and |E| is the number of edges in the triangulation.
|E| = (3/2) |T|, number of triangles in the triangulation is |T| .
Furthermore, we know that the sum of the degrees of the vertices is equal to 3 times the number of triangles, since each triangle contributes 3 to the total degree count:
Σdeg(v) = 3|T|
Putting these equations together, we have:
Σdeg(v) = 3|T| = (3/2) * 2|E| = 3|E|
Dividing both sides by the number of vertices, n, we obtain:
(1/n) Σdeg(v) = 3/ n * |E|
Thus, the average degree of a vertex in the triangulation is strictly less than 6, since the average degree of a vertex in the corresponding graph is at most 2 (since each triangle is incident to at most 3 other triangles).
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What is the value of F?
Answers
Answer: 43
Step-by-step explanation:
NOTE: Biweekly pay periods are paid every two weeks or 26 times per
year (52 weeks in a year divided by 2 or every 2 weeks)
Questions:
What is Shawn's net monthly income?
How much should Shawn spend in rent
based on the guidelines?
How much should Shawn spend in food
based on the guidelines?
How much should Shawn spend in
savings based on the guidelines?
How much should Shawn spend in
clothes based on the guidelines?
How much should Shawn spend in
transportation based on the guidelines?
Answers
Shawn's monthly income is $3120.
Given that, Shawn biweekly income is $1560,
Since he earns $1560 in 2 weeks,
so, in 4 weeks = 1560 / 2 × 4 = $3120
Hence, his monthly income is $3120.
Now,
Spending on rent =
30% of $3120 = $936
On Food =
20% of $3120 = $624
On saving =
10% of $3120 = $312
On clothes =
5% of $3120 = $156
On transportation =
11% of $3120 = $343.2
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Rearrange the equation so m is the independent variable
-2m-5n=7m-3n
Answers
The equation rearranged so that m is the independent variable is n = (9/11)m
To rearrange the equation -2m - 5n = 7m - 3n so that m is the independent variable, we need to isolate the term that contains m on one side of the equation. We can do this by adding 2m to both sides and then subtracting 3n from both sides. This gives us:
-2m - 5n + 2m = 7m - 3n + 2m - 3n
-5n = 9m - 6n
Now, we can further isolate the term containing m by subtracting 6n from both sides and then dividing both sides by 9:
-5n - 6n = 9m - 6n - 6n
-11n = 9m - 12n
-11n + 12n = 9m
n = (9/11)m
Therefore, the equation rearranged so that m is the independent variable is:
n = (9/11)m
This equation expresses n in terms of m, where m is the independent variable, and n depends on m. We can use this equation to determine the value of n for a given value of m.
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Whats the answer to my questions ?
Answers
Answer:
a scale factor of 1.5 means the shape expands by a factor of 1.5
Step-by-step explanation:
to draw your new expanded shape, list the 3 coordinates. Multiply each x an y value by 1.5. Your shape should stay the same just get larger
write the first four nonzero terms of the mclaurin series for f', the derivative of f. express f' as a rational function for |x| < r
Answers
If f(x) can be expressed as a rational function, you can differentiate f(x) to find f'(x), and then express f'(x) as a rational function within the given interval.
To find the first four nonzero terms of the Maclaurin series for f', the derivative of f, you need to follow these steps:
1. Find the Maclaurin series for the original function, f(x).
2. Differentiate the Maclaurin series for f(x) term-by-term to obtain the series for f'(x).
3. Identify the first four nonzero terms of the series for f'(x).
Let's assume you already have the Maclaurin series for f(x) in the form:
f(x) = a₀ + a₁x + a₂x² + a₃x³ + ...
Now, differentiate f(x) with respect to x to obtain f'(x):
f'(x) = a₁ + 2a₂x + 3a₃x² + ...
Here, we have the first four nonzero terms of the Maclaurin series for f'(x).
For the second part of your question, to express f'(x) as a rational function for |x| < r, it's necessary to know the specific function f(x). However, if f(x) can be expressed as a rational function, you can differentiate f(x) to find f'(x), and then express f'(x) as a rational function within the given interval.
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What is the radius of each figure described? a. A sphere with a volume of 500*3. 14/3 cm^3 b. A cylinder with a height of 3 and a volume of 147*3. 14 c. A cone with a height of 12 and a volume of 16*3. 14
Answers
The radius of each shape, sphere, cylinder and cone are 5, 7 and 2 cm respectively.
The formula for the volume of sphere is -
V = 4/3πr³, where V refers to volume and r is the radius. So, 500 × 3.14/3 = 4/3πr³
We know that π is 3.1 and both π and 1/3 are common on both side thus will cancel out each other.
r³ = 500/4
r³ = 125
r = [tex] \sqrt[3]{125} [/tex]
r = 5 cm
The volume of cylinder is given by the formula -
V = πr²h
147 × 3.14 = 3.14 × r² × 3
r² = 147/3
r = ✓49
r = 7
The volume of cone is -
V = πr²h/3
16 × 3.14 = 3.14 × r² × 12/3
r² × 12 = 16 × 3
r² = (16 × 3)/12
r² = 4
r = ✓4
r = 2
Hence, the radius of sphere, cylinder and come are 5, 7 and 2 cm.
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QUESTION 5 Use tables of critical points of the t-distributions to answer the following (give answers correct to 3 decimal places) Suppose that T observes a t-distribution with 24 degress of freedom Find positive t such that P(ltI> t) =0.01666_ QUESTION 6 Use tables of critical points of the t-distributions to answer the following (give answers correct to 3 decimal places). Tobserves a t-distribution with 28 degress of freedom Find the following P(T < 2.669)
Answers
The required probability is P(T < 2.669) = 0.995.
For QUESTION 5:
Since the t-distribution is symmetric, we can find the desired t-value by looking up the critical value at the upper tail probability of 0.01666/2 = 0.008333 in a t-table with 24 degrees of freedom.
Looking at the t-table, we can see that the closest probability value to 0.008333 is 0.0082, which corresponds to a t-value of 2.492.
Therefore, the positive t-value such that P(T > t) = 0.01666_ is approximately 2.492.
For QUESTION 6:
We need to find the probability that T is less than 2.669, given that T follows a t-distribution with 28 degrees of freedom.
Using a t-table, we can find that the closest probability value to 2.669 is 0.995, which corresponds to a t-value of 2.048.
Therefore, the required probability is P(T < 2.669) = 0.995.
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WILL REWARD BRAINLIEST PLS HELP ASAP Find the total surface area.
Answers
The surface area of the rectangular prism is 88 square inches.
Given that:
Length, L = 6 inches
Width, W = 2 inches
Height, H = 4 inches
Let the prism with a length of L, a width of W, and a height of H. Then the surface area of the prism is given as
SA = 2(LW + WH + HL)
SA = 2(6 x 2 + 2 x 4 + 4 x 6)
SA = 2 (12 + 8 + 24)
SA = 2 x 44
SA = 88 square inches
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The credit union offered Zach a $200,000, 10-year loan at a 3. 625% APR. Should Zach purchase 1 point or no points? Each point lowers the APR by 0. 125% and costs 1% of the loan amount. Justify your reasoning
Answers
The break-even point is approximately 0.6 years, or 7.2 months. This means that if Zach plans to keep the loan for at least 7.2 months, purchasing 1 point would be worth it as he would save more in interest than he paid for the point.
To determine whether Zach should purchase 1 point or no points, we need to calculate the cost of each option and compare the total cost of each option over the life of the loan.
Option 1: No points
Loan amount: $200,000
APR: 3.625%
Monthly payment: $1,941.65 (calculated using a loan amortization calculator)
Total interest paid over 10 years: $33,698.03
Option 2: 1 point
Loan amount: $200,000
APR: 3.5% (3.625% - 0.125%)
Cost of 1 point: $2,000 (1% of the loan amount)
Total loan amount: $202,000 ($200,000 + $2,000)
Monthly payment: $1,903.03 (calculated using a loan amortization calculator)
Total interest paid over 10 years: $30,363.06
Comparing the two options, we can see that purchasing 1 point would result in a lower APR and lower monthly payments, which would save Zach money over the life of the loan. However, he would need to pay $2,000 upfront for the cost of the point.
To determine whether the cost of the point is worth the savings in interest, we need to calculate the break-even point. The break-even point is the point at which the savings in interest equal the cost of the point.
Break-even point:
Savings in interest: $33,698.03 - $30,363.06 = $3,334.97
Cost of 1 point: $2,000
Break-even point: $2,000 ÷ $3,334.97 = 0.6
The break-even point is approximately 0.6 years, or 7.2 months. This means that if Zach plans to keep the loan for at least 7.2 months, purchasing 1 point would be worth it as he would save more in interest than he paid for the point. If he plans to pay off the loan earlier than 7.2 months, then he should not purchase the point as he would not have enough time to recoup the cost.
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