This is the rate of return an investor could expect on an investment in which his or her money is not at risk, such as U.S. Treasury Bills for investments in U.S. dollars and German Government Bills for investments that trade in euros. This figure is normally expressed as a percentage. These figures are also expressed as percentages. Usually the rates of return are figured over several months. Either or both of these values may be negative, meaning that investing in the stock or the market (index) as a whole would mean a loss during the period. If only one of the two rates is negative, the beta will be negative. If the stock's rate of return is 7% and the risk-free rate is 2%, the difference would be 5%. If the market or index rate of return is 8% and the risk-free rate is again 2%, the difference would be 6%. This fraction is the beta figure, typically expressed as a decimal value. In the example above, the beta would be 5 divided by 6, or 0.833.   The beta of the market itself (or the appropriate index) is by definition 1.0, as the market is being compared to itself, and any number (except zero) divided by itself equals 1.  A beta of less than 1 means that the stock is less volatile than the market as a whole, while a beta greater than 1 means the stock is more volatile than the market as a whole. The beta value can be less than zero, meaning either that the stock is losing money while the market as a whole is gaining (more likely) or that the stock is gaining while the market as a whole is losing money (less likely). When figuring beta, it is common, though not required, to use an index representative of the market in which the stock trades. For U.S. stocks, the S&P 500 is the index usually used, although analysis of an industrial stock may be better served by comparing it against the Dow Jones Industrial Average. There are several other indexes that could be used appropriately. For stocks that trade internationally, the MSCI EAFE (representing Europe, Australasia, and the Far East) is a suitable representative index.
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One-sentence summary -- Find the risk-free rate. Determine the respective rates of return for the stock and for the market or appropriate  index. Subtract the risk-free rate from the stock's rate of return. Subtract the risk-free rate from the market (or index) rate of return. Divide the first difference above by the second difference above.


Sometimes things can get heated when you are talking to your mom, but you should always try to respect her. Don’t use hurtful words or call her names. This will only make the situation worse. Remember that what you put out is often what you get back. If you show respect to your mom, then she is more likely to show respect to you in return. You and your mom may fight consistently over breaking curfew or not completing your chores. You can avoid these types of confrontations by following the rules your mom has set. You are less likely to give your mom attitude if you are not constantly coming into conflict with each other.  For example, if you are supposed to make your bed each morning, do it. This way you won’t give her an opportunity to be mad at you. You may also consider working with your mom to come to an agreement on the rules, if your mom is open to it. This will help to show that you are mature and willing to follow rules, but it will also allow you to have some say in what those rules are. Many conflicts that happen between you and your mom are likely caused by a general misunderstanding. Try to practice empathy to better understand your mom’s perspective. If you can understand her point of view, then tell her that.  For example, she is probably not letting you go to that party because she is trying to protect you and has your safety in mind. If you can understand her position, you may be able to let go of some of the anger you feel towards her. If you have broken a rule or misbehaved and your mom confronts you about this, you need to take responsibility for your actions. You should admit to what you have done and apologize for your behaviour. You mom is more apt to forgive you if you demonstrate remorse.
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One-sentence summary -- Don’t name call. Follow the rules she has set. Remember that she is just looking out for you. Take responsibility for your actions.


This diet is not, strictly speaking, an Atkins diet, though Atkins does tout is as an option for vegetarians and vegans on its website.  The concept of this diet derives mainly from a study detailed in the Archives of Internal Medicine (2009), which found that participants placed on a vegan low-carb, high-protein diet saw a markedly better drop in LDL (“bad”) cholesterol levels as compared to those on a standard low-fat vegetarian diet, while both groups lost weight roughly equally.  The vegan diet in the study was 31% protein (mainly gluten, soy, and nuts), 43% fats (mainly nuts, vegetable oils, soy products, and avocado), and 26% carbs (from fruits, veggies, and some cereal products). The 26% of calories derived from carbs in Eco-Atkins equates to roughly 130 g. per day, which is low by traditional nutrition standards (around 225-350 g. daily) but quite high for typical Atkins plans (which tend to max out at around 80 g. Net Carbs).  Atkins, not surprisingly, states “Imagine how much better this group would have done if they followed Atkins protocols for carb consumption?”, but let’s presume that you intend to stick to the diet as described in the study. The greater leeway on carbs on Eco-Atkins is not an invitation to consume white breads, rice, potatoes, or baked goods, however.  You need to spend these extra carbs on vegetables, fruits, whole grains, oats, and the beans, legumes, etc. from which you are deriving much of your protein. One important reason to focus your carbs on vegetables, beans, legumes, and whole grains is the higher fiber content in these foods.  When dieting in general, and especially when on a vegetarian/vegan low carb diet, fiber is definitely your friend.  High-fiber foods take longer to digest, providing a greater feeling of satiety (that is, fullness), which can combat cravings and help keep your diet on track. A high-fiber diet helps promote bowel health, can lower cholesterol and reduce blood pressure and inflammation, and helps control blood sugar levels.  The value of fiber is why it is deducted from carb counts in Atkins’ Net Carbs.
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One-sentence summary -- Define the details and benefits of the “Eco-Atkins” diet. Out-carb Atkins, but smartly. Fill up on fiber.


Once the cut scene ends, Lucius will come face-to-face with the devil. You will be informed of your mission and the sacrifices you must make. He will also give you some basic items.  The devil will continue giving instructions about the notebook. " You will then receive information about your current target. The devil will ask you to use your flashlight. Scroll down to your batteries.
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One-sentence summary --
Understand the scenario. Pick up the notebook, flashlight, and batteries from the desk when prompted. Press the 'E' key. Click on the flashing tag at the side of the notebook that says “Mary. Right click on the notebook to close it. Open your inventory by pressing the 'E' key. Right click on the batteries. Scroll to the flashlight and right click again to combine the two.