Problem: Please answer a question about the following article about Financial crisis of 2007%E2%80%9308:
Many causes for the financial crisis have been suggested, with varying weight assigned by experts. The U.S. Senate's Levin–Coburn Report concluded that the crisis was the result of "high risk, complex financial products; undisclosed conflicts of interest; the failure of regulators, the credit rating agencies, and the market itself to rein in the excesses of Wall Street." The Financial Crisis Inquiry Commission concluded that the financial crisis was avoidable and was caused by "widespread failures in financial regulation and supervision", "dramatic failures of corporate governance and risk management at many systemically important financial institutions", "a combination of excessive borrowing, risky investments, and lack of transparency" by financial institutions, ill preparation and inconsistent action by government that "added to the uncertainty and panic", a "systemic breakdown in accountability and ethics", "collapsing mortgage-lending standards and the mortgage securitization pipeline", deregulation of over-the-counter derivatives, especially credit default swaps, and "the failures of credit rating agencies" to correctly price risk. The 1999 repeal of the Glass-Steagall Act effectively removed the separation between investment banks and depository banks in the United States. Critics argued that credit rating agencies and investors failed to accurately price the risk involved with mortgage-related financial products, and that governments did not adjust their regulatory practices to address 21st-century financial markets. Research into the causes of the financial crisis has also focused on the role of interest rate spreads.
What agency failed to accurately price risk involved in mortgage-related financial products?
A: credit rating agencies
Problem: Please answer a question about the following article about MP3:
The simplest type of MP3 file uses one bit rate for the entire file: this is known as Constant Bit Rate (CBR) encoding. Using a constant bit rate makes encoding simpler and faster. However, it is also possible to create files where the bit rate changes throughout the file. These are known as Variable Bit Rate (VBR) files. The idea behind this is that, in any piece of audio, some parts will be much easier to compress, such as silence or music containing only a few instruments, while others will be more difficult to compress. So, the overall quality of the file may be increased by using a lower bit rate for the less complex passages and a higher one for the more complex parts. With some encoders, it is possible to specify a given quality, and the encoder will vary the bit rate accordingly. Users who know a particular "quality setting" that is transparent to their ears can use this value when encoding all of their music, and generally speaking not need to worry about performing personal listening tests on each piece of music to determine the correct bit rate.
How many bit rates does the simplest type of MP3 file use?
A: one
Problem: Please answer a question about the following article about Planck constant:
The gyromagnetic ratio γ is the constant of proportionality between the frequency ν of nuclear magnetic resonance (or electron paramagnetic resonance for electrons) and the applied magnetic field B: ν = γB. It is difficult to measure gyromagnetic ratios precisely because of the difficulties in precisely measuring B, but the value for protons in water at 7002298150000000000♠25 °C is known to better than one part per million. The protons are said to be "shielded" from the applied magnetic field by the electrons in the water molecule, the same effect that gives rise to chemical shift in NMR spectroscopy, and this is indicated by a prime on the symbol for the gyromagnetic ratio, γ′p. The gyromagnetic ratio is related to the shielded proton magnetic moment μ′p, the spin number I (I = 1⁄2 for protons) and the reduced Planck constant.
What three factors impact the gyromagnetic ratio?
A: related to the shielded proton magnetic moment μ′p, the spin number I (I = 1⁄2 for protons) and the reduced Planck constant.
Problem: Please answer a question about the following article about Jehovah%27s Witnesses:
Sociologist Rodney Stark states that Jehovah's Witness leaders are "not always very democratic" and that members "are expected to conform to rather strict standards," but adds that "enforcement tends to be very informal, sustained by the close bonds of friendship within the group", and that Jehovah's Witnesses see themselves as "part of the power structure rather than subject to it." Sociologist Andrew Holden states that most members who join millenarian movements such as Jehovah's Witnesses have made an informed choice. However, he also states that defectors "are seldom allowed a dignified exit", and describes the administration as autocratic.
Holden acknowledges that defectors are seldom allowed a what from the church?
A:
dignified exit