var killers = new Array(
"What is an investment?$$money that you save%%time or money put into something in order to get something greater in return in the future^^the purchase of a large item, such as a car, an RV, or a house&&something that only rich people do##none of the above",
"What types of things can you invest in?$$stocks and bonds%%education^^your health&&all of the above##none of the above",
"Interest:$$is the amount of money to be paid for the use of money/principal%%is usually expressed as a percentage of the principal^^can compound over time&&all of the above##none of the above",
"What is compound interest?$$earning money on your principal and your interest%%a complicated form of interest^^a long-term investment&&a risk/return scenario##all of the above",
"Which of the following is an example of something that contains risk:$$rock climbing up a cliff%%starting a small business^^investing money in the stock market&&all of the above##none of the above",
"To achieve a higher return an investor will generally have to:$$choose a very low risk investment%%choose a higher risk investment in line with the expected return^^try his/her luck at the casino&&take on however much risk a friend says they should##all of the above",
"What is an example of a low risk investment:$$small cap stock%%high yield \"junk\" bond^^FDIC insured savings account&&an international mutual fund focused on small Latin American airline companies##none of the above",
"What factors can influence a person's tolerance for risk:$$their emotions%%their investment timeline^^their age&&all of the above##none of the above",
"Native people are at risk for fraud because:$$some Natives might lack the necessary skills to manage their finances%%some Native communities have recently become wealthy^^certain Native people may struggle with a language barrier&&new technology makes it easier for scam artists to access Native communities##all of the above",
"Which of the following is not a warning sign of a potential scam:$$something sounds too good to be true%%pushy or high pressure sales tactics^^you are told to expect a very modest return on your investment&&an anonymous email urges you to buy stock in a company you've never heard of##a coworker tells you they have a lucrative opportunity to share with you",
"Predatory lenders might do any of the following except:$$charge exorbitant annual percentage rates%%take advantage of people with bad credit^^stay clear of a reservation&&offer legitimate services or products backed by an unethical loan##repossess your car if you fail to make a payment",
"What should you not do before investing your money:$$research the investment%%talk with a trusted advisor^^don't ask any questions and pay with cash right away so you don't miss out on a huge profit&&determine how much risk you are able to accept##verify the salesperson's or broker's credentials",
"Which of the following statements about bonds is false:$$A bond is a form of a loan%%A bond pays a steady stream of income^^Owning a corporate bond makes you a partial owner in a company&&Bonds are generally less risky than stocks##none of the above",
"Which of the following statements about stocks is false:$$Investing in stocks gives you the right to vote at shareholder meetings%%Investing in stocks provides a guaranteed rate of return^^Investing in stocks requires the use of a third party intermediary&&Investing in stocks may provide income in the form of dividends##all of the above",
"All of the following are features of mutual funds except:$$They carry no risk%%A professional manager selects the stocks and/or bonds^^They can be purchased via the internet&&There are many different types of funds to suit virtually every investment style##none of the above",
"What are some of the advantages of investing in a mutual fund?$$someone else does the research and picks the stocks for you%%diversification^^professional management&&all of the above##none of the above",
"The process of picking specific investments to match individual needs and goals is known as:$$Compounding%%Real rate of return^^Indexing&&Asset Allocation##none of the above",
"Asset allocation is a form of:$$investment%%repayment^^diversification&&capita##all of the above",
"Determining how much money you have to invest is important for which of the following reasons:$$Certain investment products and services are dependent on having a specific amount of money%%It's difficult to properly diversify a portfolio of stocks and/or bonds with less than $50,000^^More money may mean you can assume more risk&&Brokers may be harder to access if you have less money##all of the above",
"Which of the following statements about the S & P 500 is false:$$It's a famous auto race in Florida%%It's a benchmark index investors use to gauge their returns^^It's comprised of five hundred large U.S. companies&&It's a good indicator of the overall health of the U.S. economy##It has averaged annual returns of over 10% from 1957 to 2007",
"Which of the following questions is not important when hiring a broker:$$What financial certification(s) do you hold?%%Can you provide me with references from some of your other clients?^^Have you ever worked in Indian Country before?&&What's your favorite football team?##Does your income come from commissions or salary?",
"The internet can be helpful when purchasing a mutual fund for all of the following except:$$Researching and comparing different mutual funds%%Downloading an application^^Viewing monthly statements&&Mutual funds purchased online carry no risk##Buying funds online may be cheaper than purchasing through a broker",
"Which of the following statements about investing is false:$$You should make sure your mutual fund company offers SIPC coverage%%Many investors who join investment clubs enjoy better returns with their portfolios^^Investing should be difficult, boring, and not discussed among family&&Investing is a lifelong pursuit##Interest rates are higher on CD's with longer maturities"
);
var answers = new Array('b','d','d','a','d','b','c','d','e','c','c','c','c','b','a','d','d','c','e','a','d','d','c');