Question: I have a new situation: Mary was from a family that forbids all vaccinations. She never got any vaccines and developed immunity the hard way by getting many respiratory diseases. Ann got all here vaccines done in time and at the proper age.  But I can use this background: Many respiratory diseases are caused by pathogens. A pathogen is an organism that causes disease in another organism. Certain bacteria, viruses, and fungi are pathogens of the respiratory system. The common cold and flu are caused by viruses. The influenza virus that causes the flu is pictured below ( Figure below ). Tuberculosis, whooping cough, and acute bronchitis are caused by bacteria. The pathogens that cause colds, flu, and TB can be passed from person to person by coughing, sneezing, and spitting. Illnesses caused by bacteria can be treated with antibiotics. Those caused by viruses cannot.  What is an answer for this question: Which person experienced more influenza?
Ans: Mary

I have a new situation: Two students learned about soils in school. Brad had to study forest soils, while his colleague Frank had to study grasslands. They both did a good job and received A's for their efforts and accumulated knowledge.  But I can use this background: Soil is well developed in the forest as suggested by the thick humus layers, rich diversity of large trees and animals that live there. In forests, precipitation exceeds evapotranspiration which results in an excess of water that percolates downward through the soil layers. Slow rates of decomposition leads to large amounts of fulvic acid, greatly enhancing chemical weathering. The downward percolation, in conjunction with chemical weathering leaches magnesium (Mg), iron (Fe), and aluminum (Al) from the soil and transports them downward, a process known as podzolization. This process leads to marked contrasts in the appearance and chemistry of the soil layers.  What is an answer for this question: Which student read more about a rich diversity of animals?
Ans: Brad

I have a new situation: Greg and Frank were two friends that studied natural sciences. One day, Greg decided to start reading about natural selection. His friend Frank decided to read more about populations that displayed natural selection more sparingly. They both learned lots of new interesting facts.  But I can use this background: New species develop naturally through the process of natural selection . Due to natural selection, organisms with traits that better enable them to adapt to their environment will tend to survive and reproduce in greater numbers. Natural selection causes beneficial heritable traits to become more common in a population and unfavorable heritable traits to become less common. For example, a giraffe’s neck is beneficial because it allows the giraffe to reach leaves high in trees. Natural selection caused this beneficial trait to become more common than short necks.  What is an answer for this question: Which friend learned less about animals that survive in greater numbers?
Ans: Frank

I have a new situation: Bob is a financial analyst. He used to work for company A. Bob noticed that company A is mostly financed by debt. Recently, he changed job and now working as a financial analyst for another company, company B. Company B has completely different culture than company A. Company B is mostly financed by equity.  But I can use this 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.  What is an answer for this question: Would company B have or not have tax benefits of debt?

Answer: Ans: not have