Question: Background: The trade-off theory of capital structure is the idea that a company chooses how much debt finance and how much equity finance to use by balancing the costs and benefits. The classical version of the hypothesis goes back to Kraus and Litzenberger[1] who considered a balance between the dead-weight costs of bankruptcy and the tax saving benefits of debt. Often agency costs are also included in the balance. This theory is often set up as a competitor theory to the pecking order theory of capital structure. A review of the literature is provided by Frank and Goyal.[2] An important purpose of the theory is to explain the fact that corporations usually are financed partly with debt and partly with equity. It states that there is an advantage to financing with debt, the tax benefits of debt and there is a cost of financing with debt, the costs of financial distress including bankruptcy costs of debt and non-bankruptcy costs (e.g. staff leaving, suppliers demanding disadvantageous payment terms, bondholder/stockholder infighting, etc.). The marginal benefit of further increases in debt declines as debt increases, while the marginal cost increases, so that a firm that is optimizing its overall value will focus on this trade-off when choosing how much debt and equity to use for financing. Paragraph: Company X stopped taking on more debt, and decided to file for bankruptcy, while company Y, kept benefiting from the tax benefits of debt, having a lower debt level. Given the paragraph above, please answer correctly the following question: Which company had more costs than benefits related to debt, company X or company Y?
Answer: company X

[Q]: Background: Insecticide control of aphids is difficult, as they breed rapidly, so even small areas missed may enable the population to recover promptly. Aphids may occupy the undersides of leaves where spray misses them, while systemic insecticides do not move satisfactorily into flower petals. Finally, some aphid species are resistant to common insecticide classes including carbamates, organophosphates, and pyrethroids.For small backyard infestations, spraying plants thoroughly with a strong water jet every few days may be sufficient protection. An insecticidal soap solution can be an effective household remedy to control aphids, but it only kills aphids on contact and has no residual effect. Soap spray may damage plants, especially at higher concentrations or at temperatures above 32 C (90 F); some plant species are sensitive to soap sprays. Paragraph: Bill and Paul were farmers. Bill used insecticides to get read of aphids, while his buddy farmer Paul didn't. Given the paragraph above, please answer correctly the following question: Which farmer used a strong water jet to kill aphids?
****
[A]: Bill

input: Please answer the following: Background: The advantage of asexual reproduction is that it can be very quick and does not require the meeting of a male and female organism. The disadvantage of asexual reproduction is that organisms do not receive a mix of traits from both parents. An organism that is born through asexual reproduction only has the DNA from the one parent. In fact, the offspring is genetically an exact copy of the parent. This can cause problems for the individual. For example, if the parent has a gene that causes a particular disease, the offspring will also have the gene that causes that disease. Organisms produced sexually may or may not inherit the disease gene because they receive a mix of their parents' genes. Paragraph: Students studied two groups of organisms. Group A composed of organisms that reproduce sexually, and group B composed of organisms that reproduce asexually. They were fascinated by their discoveries. Given the paragraph above, please answer correctly the following question: Which group of organisms doesn't have individuals that are an exact copy of the parent?
++++++++++
output: Group A

Please answer this: Background: The water level is seasonal, being lowered by about 10 feet (3.0 m) over the winter. The reservoir fills in the spring from snow melt and underground springs. The lake is usually at full level by late spring, but in the occasional years of low snow melt and low rainfall, it may remain up to several feet below its typical level. Water is let out of the lake in the fall so that ice will not damage docks and other structures around the lake. This also leads to excellent water quality, as a significant portion of the water is replaced every year. Paragraph: There are two hydroelectric dams in North Dakota. Both of them has large lakes or reservoirs, reservoir A and reservoir B. Since North Dakota has one the lowest unemployment rates in the country, it's hard to find an engineer to regulate and maintain the reservoirs. This year reservoir A could hire an engineer, but reservoir B failed to find an engineer. As a result, there is no one to regulate reservoir B. The engineer for reservoir A let the water out in the fall. But there was no one to do that for reservoir B. Given the paragraph above, please answer correctly the following question: Which reservoir would most likely not casue damaged dock, reservoir A or reservoir B?
++++++++
Answer: reservoir A

Problem: Background: Sometimes muscles and tendons get injured when a person starts doing an activity before they have warmed up properly. A warm up is a slow increase in the intensity of a physical activity that prepares muscles for an activity. Warming up increases the blood flow to the muscles and increases the heart rate. Warmed-up muscles and tendons are less likely to get injured. For example, before running or playing soccer, a person might jog slowly to warm muscles and increase their heart rate. Even elite athletes need to warm up ( Figure below ). Paragraph: There was a soccer match between Red team and Blue team. Blue team got there early, warmed up properly and were ready for the game. Red team arrived late and almost skipped warming up entirely. Costly decision, as it turns out, because they lost. Given the paragraph above, please answer correctly the following question: Which team had less people with an increased heart rate before the match?

A: Red

input: Please answer the following: Background: Cholesterol has been implicated in heart disease for decades. Atherosclerosis is a disorder of the arteries in which cholesterol and other materials are deposited on the interior of the arterial wall. These deposits lead to the formation of plaques that can restrict or even block the flow of blood through these blood vessels (see Figure below ). A decrease in the flow of blood can lead to high blood pressure and a lowered oxygen supply to the heart muscle. A complete blockage of blood flow to parts of the heart (a heart attack) can cause significant damage due to oxygen deprivation, in some cases leading to death. Paragraph: Two brothers went to the doctor for their yearly examination. Liam found out he has high cholesterol, while Rudy found out his triglycerides and cholesterol are within normal parameters. Given the paragraph above, please answer correctly the following question: Which brother was less at risk for heart disease?
++++++++++
output:
Rudy