How can I find the ratio to a squared number 

Assignment 2: Required Assignment 1—The S’No Risk Program


In the mid-eighties, the Toro company launched a promotion in which snow blower purchasers could refund a portion of their purchase if the next winter brought modest snowfalls. The amount of their refund was tied to snowfall amounts and so, the program was prey to certain risks and uncertainties. You will explore those risks and choices from a variety of perspectives.


Review the case study “The Toro Company S’No Risk Program” by David E. Bell (1994) from this module’s assigned readings. Click here to download the Toro Excel worksheet which contains data exhibits from the article; the exhibit titles match the tabs long the bottom of the worksheet. Use this tool to conduct your data analysis for this assignment.


Analyze the risks of the program from the following points of view:



The insurance company

The consumers

Write a 6–8-page analysis paper that addresses the following:


Why did the insurance company raise the rates so much? How would you estimate a fair insurance rate?

From the perspective of the consumer, how were the paybacks structured and how might they be restructured to entice you at an equal or lower cost of insurance? How does the program influence your decision to purchase?

What are the common decision traps which each group in point (2) is susceptible to? Develop a matrix or decision tree in order to compare the groups. How does the program impact the consumer’s “regret”? (Hint: Map the possible outcomes for the consumer.)

From either Toro’s or the insurance company’s perspective, how would you frame your argument to achieve your desired objective?

Was the program successful? Why or why not?

If you were Dick Pollick, would you repeat the program? Assume you manage the S’No Risk program and argue your case. To what biases are you susceptible in this case?

Submit your analysis paper in Word format. Apply APA standards to citation of sources. Use the following file naming convention: LastnameFirstInitial_M3_A2.doc.


By Wednesday, February 12, 2014, deliver your assignment to the M3: Assignment 2 Dropbox.


Bell, D. E. (1994). The Toro company s’no risk program. Harvard Business School. Case No. 9-185-017.


Assignment 2 Grading Criteria 

Maximum Points

Analyze the risks of the program from the  point of view of Toro, the insurance company, and consumers.



Explain why the insurance company raises rates so much. Explain how you would estimate a fair insurance rate.



From the perspective of the consumer, explain how the paybacks were structured and how they be might restructured to entice you at an equal or lower cost of insurance. Analyze how the program influences your decision to purchase.



Identify the common decision traps to which each group in point is susceptible. Develop a matrix in order to compare the groups. Analyze how the program impacts the consumer’s “regret.”



Choose either Toro’s or the insurance company’s perspective and discuss how you would frame your argument to achieve your desired objective.



Evaluate the success of the program. Justify your answer.



If you were Dick Pollick, explain whether you would or would not repeat the program. Assume you manage the S’No Risk program and argue your case. Explain to what biases you are susceptible in this case.



Ensure academic writing, such as grammar, spelling, and attribution of sources, is appropriate.





6 sections today




Learning about Language by Observing and Listening


The real voyage of discovery consists not in seeking

new landscapes, but in having new eyes.              Marcel Proust



The UCSD experience encompasses academic as well as social learning. Therefore, we learn not only from our courses, but from the people we meet on campus and the experiences we have with them. Life is a journey of self-discovery. As individuals, we are constantly seeking to determine who we are and where we belong in the world. Throughout this process, language is both a bridge and a barrier to communication and human growth.

The general subject matter for this essay is language or language communities. The source of your information will be what you observe and hear by listening to others. The goal is to do a project based on what our own minds can comprehend from diligent observation, note-taking, and reasoning. You should arrive at a reasoned (not emotional) conclusion. The conclusion/result of your experiment is your thesis and should be presented in the opening paragraph in one sentence. Secondary material should not be brought into this essay. Thus, this is not an essay that needs to be the result of academic texts or online sources. The research is what you see and how you interpret what you see and hear. It will be up to you to determine what particular focus your essay will take and wahat meaning you wish to convey to your reader. Do the exploratory writing activities on pages 73-76. These activities will guide you through an analysis of some of the reflections you completed in the first part of your book. Once you determine your focus, you will use the information you have already gathered and additional information you will research to clarify your ideas and provide evidence for the points you wish to make.


If you prefer a more direct prompt, the suggested topics listed below might be helpful to you. Choose one of the following topics to establish a focus and direction.


1) From your observations and conversations, what assumptions and stereotypes do we make about people based on language and behavior? What did you learn from the experiment?


2) You may examine body language as well as verbal language. Explore nonverbal communication in a group. What conclusions can you come to regarding the group based on nonverbal behavior?


3) Did you observe language differences between men and women here at UCSD Notice the ways in which men and women treat one another. Observe the language you hear on campus.


How do women greet one another? How do men greet each other? Do not just note the similarities or differences. Explain and interpret the information.


4) Observe and identify a code language on campus, on your job, or in your personal arena. How is language used? Is it effective? Analyze.


5) Have you become keenly aware of code switching? Who utilizes this language? In your observations and conversations, did you find code switching to be an acceptable form of language? What are the risks and bias? Analyze.


If these topics are not helpful, then develop your own.


Your finished essay should consist of strong opening and closing paragraphs, and three to four body paragraphs. The tone of your essay should be objective (omit l's and you's). The general approach is analytical. This means that you present your material as a detached observer and that you examine the parts of your topic as the parts relate to the whole. You will utilize major writing skills such as: description, dialogue, definition, persuasion and analysis. Try to be specific, concrete, and descriptive. Use the actual dialogue when appropriate as your examples. Also, you may interview one or more subjects and incorporate parts of it in your writing. If you wish to attach the complete interview for reference, you may do so. Staple it to the final draft.


Spelling homework in abc order


A video rental company offers a plan that includes a membership fee of $10 and charges $2 evoke every DVD borrowed. They also offer a second plan, that costs $46 per month for unlimited DVD rental. If  a customer borrows enough DVDs in a month, the two plans coast the same amount. What is the total cost of either plan? How many DVDs is that. 

Statistics mid term exam, 40 multiple choice questions.

It has 1.5hr time limits. If you are willing to take the offer, I will start the online exam and send you screen shoot for the questions.

The attachements is the sample test.


Journalizing and posting closing entries

you will find attachments  

just # 1,and 3 

how could different minority or ethic communities- urban, suburban, or rural- connect to nature?