Question 7 of 12 The type of settlement option which pays throughout the lifetimes of two or more beneficiaries is called

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Answer 1

The type of settlement option which pays throughout the lifetimes of two or more beneficiaries is called joint and survivor. An insurance plan called a joint and survivor annuity is generally made for retired couples who desire a guaranteed monthly income that will last as long as either partner does.

Potential investor must carefully consider associated fees and settlement. Annuity fees typically cost 2.3 percent of annuity's value, although they can be more expensive, especially in sophisticated plans. The benefit of joint and survivor annuity is that it will pay out if one or both beneficiaries live longer than anticipated.

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What is the insurance term the State of California uses for an insurer that is eligible to transact business in this state ?

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Admitted is the insurance term the State of California uses for an insurer that is eligible to transact business in this state.

Insurance is protection against financial loss. It is a form of risk management used primarily to hedge the risk of potential or uncertain losses.

Companies that provide insurance are known as insurers, insurers, insurers, or underwriters. The person or entity that purchases the insurance is called the policyholder, and the person or entity covered by the policy is called the insured person. Policyholder and insured are often used synonymously but are not always synonymous as coverage may extend to additional insured persons who do not have insurance. In an insurance transaction, the policyholder accepts a guaranteed, known, and relatively small loss in the form of payment (premium) to the insurance company. This is in exchange for the insurer's promise to compensate the insured in the event of a covered loss. Losses may or may not be monetary, but must be reducible in monetary terms. In addition, it is usually something to which the insured has rights based on ownership, ownership, or preexisting relationship.

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In terms of financial intermediation, the couple who went to a bank and took out a $200,000 loan to buy a new house is an example of a?

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In terms of financial intermediation, the couple who want to a bank and took out a $200,000 loan to buy a new house is an example of a demander of funds.

A financial intermediary is an entity that acts as the middleman between two parties in a financial transaction, such as a commercial bank, investment bank, mutual fund, or pension fund. Financial intermediaries offer a number of benefits to the average consumer, including safety, liquidity, and economies of scale involved in banking and asset management.

Although in certain areas, such as investing, advances in technology threaten to eliminate the financial intermediary, disintermediation is much less of a threat in other areas of finance, including banking and insurance.

A non-bank financial intermediary does not accept deposits from the general public. The intermediary may provide factoring, leasing, insurance plans, or other financial services. Many intermediaries take part in securities exchanges and utilize long term plans for managing and growing their funds. The overall economic stability of a country may be shown through the activities of financial intermediaries and the growth of the financial services industry.

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A good source for the practitioner to gain an understanding of unfamiliar areas of the tax law is through?

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A good source for the practitioner to gain an understanding of unfamiliar areas of the tax law is a tax treatise.

Tax law or sales law is a place of prison study in which public or sanctioned authorities, such as federal, country, and municipal governments (as within the case of us) use a body of policies and strategies (laws) to assess and collect taxes in a legal context.

In broader terms, there are two forms of tax law namely, direct taxes and oblique taxes. The implementation of each tax differs. You pay a number of them immediately, like the cringed income tax, corporate tax, wealth tax, etc., even as you pay a number of the taxes not directly, like sales tax, provider tax, price added tax, and so forth.

Tax law or sales law is an area of prison study in which public or sanctioned governments, along with federal, kingdom, and municipal governments use a frame of policies and techniques to evaluate and accumulate taxes in a legal context.

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What evaluates industry attractiveness? Select one:
a. The Five Forces Model b. SWOT Analysis
c. Three Generic Strategies
d. Value Chain Analysis

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The Five Forces Model evaluates industry attractiveness.

An industry is a sector of the economy that produces a set of closely related raw materials, goods, or services. For example, we can mention the timber industry or the insurance industry.

Industries are usually classified according to the goods and services they produce. For example, the pizza industry includes all producers who produce pizza and sell it on the market. It is important to note that in order for a pizza maker to belong in the pizza industry, the products they make must be marketed.

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What are some of the factors that could be associated with small-business success?

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The factors that could be associated with small-business success are:

Drive.Thinking ability.People skills.Effective communication.Technical ability.What are small-business?Small businesses are corporations, partnerships, or sole proprietorships with fewer employees and/or lower yearly revenue than larger enterprises or corporations. The definition of "small" businesses in terms of being able to request government assistance and qualify for favorable tax policy differs depending on the country and industry. Small firms can have as few as fifteen employees under the Australian Fair Work Act 2009, fifty employees under the European Union's definition, and less than 500 employees qualify for several Small Business Administration programs in the United States.According to SCORE business consultant Ron Consolino, the U.S. Small Business Administration believes that five criteria affect the success of a small business owner: drive, thinking ability, people skills, effective communication, and technical aptitude.

Therefore, the factors that could be associated with small-business success are:

Drive.Thinking ability.People skills.Effective communication.Technical ability.

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The proportion of assets that are financed with debt can be calculated using the ________ ratio

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The proportion of assets that are financed with debt can be calculated using the debt ratio.

The phrase "debt ratio" refers to a financial ratio that assesses how much leverage a business has. The ratio of total debt to total assets, represented as a decimal or percentage, is known as the debt ratio.

The percentage of a company's assets that are financed by debt is one way to understand it.

An asset-to-asset ratio greater than 1 indicates that a significant portion of a firm's assets are financed by debt, which indicates that the corporation has more liabilities than assets.

If interest rates abruptly increase, a company with a high ratio may be at risk of loan default. A ratio lower than 1 indicates that equity funds a larger proportion of a company's assets.

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Davis company purchased inventory on account. assuming davis is using the periodic inventory method recognizing this event will?

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Davis Company sold inventory on account. Assuming Davis is using the periodic inventory method recognizing this event will increase the balance in the accounts receivable account.

The periodic inventory system is a method of inventory valuation for financial reporting purposes in which a physical count of the inventory is performed at specific intervals. This accounting method takes inventory at the beginning of a period, adds new inventory purchases during the period and deducts ending inventory to derive the cost of goods sold (COGS).

The cost of goods sold, commonly referred to as COGS, is a fundamental income statement account, but a company using a periodic inventory system will not know the amount for its accounting records until the physical count is completed.

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If there were no asymmetry in the information that a borrower and a lender had, could there still be a moral hazard problem?

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Yes, if there were no asymmetry in the information that a borrower and a lender had, there could still be a moral hazard problem.

There could still be a moral hazard problem if there were no asymmetry in the information that a borrower and a lender had. This is because even if you know that a borrower is taking actions that might jeopardize paying off the loan, you must still stop the borrower from doing so.

Moral hazard problem usually occurs when there is asymmetric information between two parties, such as borrowers and lenders, and a change in the behavior of one party occurs after an agreement between the two parties is reached.

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If a tax is levied on the sellers of a product, then the demand curve will a. become flatter. b. not shift. c. shift up. d. shift down.

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If a tax is levied on the sellers of a product, then the demand curve will become flattered.

Option A. becomes flattered.

If a tax is levied on sellers of a product, then the supply decreases, the supply curve will shift to the left. The demand curve will not shift. This is shown in the following figure;

S+tax Price E1 pl p 0 q1 q Quantity х

In the above figure, the x-axis shows quantity and the y-axis shows the price. D is the demand curve and S is the supply curve. As a result of the tax, the supply curve will shift to the left. The price increases from p to p1 and quantity decreases from q to q1.

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Once a property is under contract, the seller has __________ title while the buyer has __________ title.

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Answer:

Legal, Equitable.

Explanation:

Once a property is under contract, the Seller has Legal title while the Buyer has Equitable. title

Public goods are a. excludable, do people have an incentive to be free riders. bnot excludable, do people do not have an incentive to be free riders. c. excludable, so people do not have an incentive to be free riders. d. not excludable, so people have an incentive to be free riders.

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Answer:not excludable, people have an incentive to be free riders

Explanation:

What must be true about combinations of labor and capital along a given isoquant?

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When there is a combination of labor and capital along a given isoquant they all must produce the same amount of output.

An isoquant in economics is a curve that, when plotted on a graph, indicates all the mixtures of two factors that produce a given output. Frequently used in manufacturing, with capital and labor as the 2 factors, isoquants can display the optimal combination of inputs that will produce the maximum output at a minimal price.

A production function describes the maximum output that can be done with any given combination of inputs. An isoquant identifies all of the different combinations of inputs that can be used to produce one particular level of output.

The least cost combination occurs when a company adjusts its employment of resources to minimize prices. The least cost combination is found in which the marginal product per dollar for all the resources a company employs is equal.

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What amount would the insurance company pay for vandalism that does $425 of damage to a home if the insured homeowner has a $500 deductible?

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ZERO amount would the insurance company pay for vandalism that does $425 of damage to a home if the insured homeowner has a $500 deductible.

( Because the deductible exceeds the loss or the damage. The loss is $425 and the deductible is $ 500, so here the deductible exceeds the loss hence the insurance company will not pay anything).

People like you pay premiums to insurance companies to cover potential losses related to their property. Insurance companies receive these premiums and aggregate them into money pools. These funds are available to cover losses incurred by pool members.

When you report a car accident to the insurance company, the insurance company will send an adjuster to assess the damage. The expert's first task is to decide whether to classify the vehicle as a total loss. Assuming the vehicle is a total loss, the expert performs a valuation and assigns a value to the vehicle.

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A registration application in a state filed by an investment adviser becomes effective?

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Registration of an investment adviser in a State automatically registers any investment adviser representative that is a partner of the investment adviser.

State registration applications

State registration applications for a investment adviser must enclose:

•The applicant's form and location of the organization;

•The applicant's suggested method of interchange;

•The credentials and business record of the applicant and each of its partners;

Named in the registration information for an investment adviser are the members, officers, and directors to the adviser. These individuals do not have to make a different investment adviser agent filing in the State. However, any person who sells advisory services; or solicits the investment of an advisory business; must register as an IA rep. Clerical or ministerial workers do not have to be registered with the State.

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If kerstetter home builders were to acquire the window company, the acquisition would be classified as a(n) ________ acquisition.

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Answer is vertical acquisition.

A vertical acquisition occurs when one business buys another company in the same industry but at a different production level. Vertical integration is the vertical acquisition of company operations inside the same manufacturing. It is a business technique that enables a corporation to simplify its operations by assuming direct control of various stages of its manufacturing process rather than depending on external contractors or suppliers.

Vertical integration is the growth strategy in which the one business takes control of one or more stages of the product's manufacturing or the distribution.

Therefore, the answer is vertical acquisition.

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According to pmi’s agile’s practice guide, which roles are considered appropriate agile roles?

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Traditional predictive project management and the PMI's Project Management Body of Knowledge remain inextricably linked, notwithstanding changes made in the Sixth Edition (PMBoK).

Concerns for Agile/Adaptive Environments are covered in each of its 10 Knowledge Areas. But generally, they are only two or three paragraphs long. The primary goal is raising awareness.

The organization's own Agile Project Management qualification is designated as a PMI Agile Certified Practitioner (PMI-ACP). The PMI-ACP is also the certification with the fastest growth.

Instead of calling Scrum a methodology, Schwaber refers to it as a framework. This is mainly because many people associate the word "methodology" with being prescriptive in character.

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Assume that if there were no crowding out, an increase in government spending would increase gdp by $100 billion. if there had been partial crowding out, however, then gdp would have:__________

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increased by less than $100 billion.

According to the crowding-out effect of expansionary fiscal policy, when the economy is operating at full capacity, a rise in additional public sector spending results in a decrease in private sector spending. Tax increases and bond borrowings are the two main ways that the government pays for spending.

The decrease in private sector investments brought on by higher public sector spending is explained by the crowding-out effect. This means that when a country's economy is operating at capacity, increasing government spending could hurt the private sector. Government spending that exceeds normal levels can lead to an increase in indebtedness on the part of the government.

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__________ involves a wide variety of computing sites outside the organization's primary facility and includes all forms of telecommuting.

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Remote site computing involves a wide variety of computing sites outside the organization's primary facility and includes all forms of telecommuting.

Remote access is the ability for an authorized person to access a computer or the  network from a geographical distance through a network connection i.e. from the remote location.

Remote access enables the users to connect to the systems  needed by them when they are physically far away. This is very important for the employees who work at branch offices and are  are traveling or telecommute.

Remote access enables different  remote users to access files and other system resources on any devices or servers which  are connected to the network at any time. This increases employee productivity and enables employees to collaborate in a better way  with colleagues around the world.

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What two issues must be considered when putting together a firm's promotional mix?

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How to coordinate a consistent promotional effort among various departments.How to balance the use of different promotional tactics.

What is the promotional mix?

The cost-effective mixture of public relations, sales promotion, direct marketing, advertising, and personal selling tactics is known as the promotional mix.

What is the importance of a promotion mix?

A major strategy for communicating a pertinent promotion message via the best medium for each segment is to use a promotion mix, increases client communication, Companies create a promotion mix to understand their target audience. When properly prepared, it contributes to the development of customer trust in the brand.

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If the government saw that consumer confidence was low, what step can it take to shift the ad to the right?

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The Federal Reserve could increase interest rates.

The contractionary monetary policy woudl lead to lower investment. THus shifting AD to the left.

The Federal Reserve seeks to manipulate inflation by influencing hobby prices. while inflation is just too excessive, the Federal Reserve commonly increases interest rates to slow the economic system and bring inflation down.

The Fed also sets the discount rate, the interest fee at which banks can borrow immediately from the relevant financial institution. If the Fed raises interest rates, it increases the value of borrowing, making both credit and investment extra luxurious. This will be performed to sluggish an overheated economic system.

Federal Reserve rate hikes send the high charge higher, and that during flip way the month-to-month interest bills on present debt through the program will soon be higher. The rate of any new loans will be primarily based on the new prime charge as well.

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An advantage of the use of computers to maintain and compile accounting information is ______. multiple choice question. speed automatic decision making no training required ease of programming

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An advantage of the use of computers to maintain and compile accounting information is speed.

The answer is option A.

Society has come to rely heavily on computers. Computers affect nearly every aspect of our lives. Although there are disadvantages to using a computer, we believe the advantages greatly outweigh them. Parents, if you're on the fence about the decision on whether or not to buy your child a computer, perhaps these advantages can help convince you.

Computers increase your productivity and, with a good understanding of the software running on them, you become more productive at everything you do. For example, once you have a basic understanding of using a word processor, you can create, store, edit, share, and print documents and letters. Each of these tasks was either impossible or slower with all pre-existing technologies.

Connecting a computer to the Internet unlocks its full potential. Once connected, your choices and available options, as far as information goes, are almost limitless. Many of the benefits listed on this page pertain to a computer connected to the Internet.

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In a radio station contest, the first prize is $2,000 and the second prize is $500. the probability of winning the first prize is 0.005 and the probability of winning the second prize is 0.008. the station runs this contest many, many times to increase its listening audience. what is the expected payout for each time the station offers the opportunity to win the prizes?

Answers

The expected payout for each time the station offers the opportunity to win the prizes is $14.

What is the probability?

Probability is defined as the sum of all data and the number of all the data.

Probability can be defined as the ratio of the number of favorable outcomes to the total number of outcomes of an event. For an experiment having 'n' number of outcomes, the number of favorable outcomes can be denoted by x. The formula to calculate the probability of an event is as follows.

Probability(Event) = Favorable Outcomes/Total Outcomes = x/n

In a radio station contest, the first prize is $2,000 and the second prize is $500.

The probability of winning the first prize is 0.005 and the probability of winning the second prize is 0.008.

The station runs this contest many, many times to increase its listening audience.

The expected payout for each time the station offers the opportunity to win the prizes is;

First prize × Probability of winning first prize + First prize ×Probability of winning second prize  

→2,000×0.005+500×0.008

→10+4

→14

Hence, The expected payout for each time the station offers the opportunity to win the prizes is $14.

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When an issue arises in washington that is of interest to a group, the group tends to________.

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When an issue arises in Washington that is of interest to a group, the group tends to boost its spending.

Interest groups are known as leagues, associations, clubs, or unions. They are protected under the 1st Amendment of the Constitution, which protects people's right to assemble and to petition the government.

In Washington, interest groups are found everywhere and are involved with every level of government. Suppose if an issue arises in Washington, which is concerning and targeting a particular group then that group tend to boost its spending and help one another.

Hence, the answer is given and explained above.

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Material requirements plus an allowance for normal inefficiencies are added together to determine the.

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Material requirements plus an allowance for normal inefficiencies are added together to determine the  Quantity Standard

What are quality standards ?

Quality standards are sets of good management practices, methods, systems, requirements, and/or specifications established by industry advisory groups to help manufacturers achieve and demonstrate consistent production and product quality.

A quality standard is a detail of the requirements, specifications, the various guidelines and characteristics to be able to meet its quality by the product in order to meet the purpose of the product, process or the service. ISO international standards are the most widely accepted set of quality standards adopted by majority of firms across countries. In case if a company fails to meet its quality standards

Advantages of Quality Standards :

Advantages of having quality standards in a manufacturing company are:

1. It helps save costs & improves productivity.

2. Increases customer satisfaction with high quality products & services.

3. Sets minimums standards of quality for processes, products & services.

4. Maintaining quality standards increases safety of workers.

5. Good communication enables smooth flow of operations & avoid mistake repetition.

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You are an employee for an independent bookstore called Alexandria. Your boss and Alexandria's owner, Frank Miltner, has owned the store for almost thirty years. Frank is worried about his company's ability to compete with online booksellers. He wants to develop a social media presence and use it to help Alexandria connect with customers in the modern market, but he has no idea how to make that happen. It's up to you! Frank begins by asking, "This social media stuff is all free, right? It won't affect our budget?"How do you reply?

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Answer:

id leave and go play with my monkey game, because my doctor said I need Legos to go upside down and eat burger king because my foot fell off last year

Are planned actions to affect collection analysis delivery or interpretation of information.

Answers

OPSEC Countermeasure. Planned offensive action taken to affect collection, analysis, delivery, or interpretation of information that impacts content and flow of critical information and indicators

What is OPSEC Countermeasure?

Countermeasures Using equipment and/or procedures with the goal of reducing the operational efficacy of an adversary's actions. Anything that effectively denies or mitigates an adversary's ability to exploit is a countermeasure.

Cover, concealment, camouflage, deception, purposeful departures from regular patterns, and direct strikes on the adversary's intelligence system are all examples of OPSEC procedures.

locating vital information, Analyzing dangers to that data, Examining the threats' vulnerabilities Assessing the risk of a vulnerability being exploited by a threat agent as the difficulty of each step increases.

Friendly behaviors and open sources of information that adversary intelligence systems can potentially detect or receive and then analyze to infer friendly critical information are examples of OPSEC indicators.

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The _______is required for any company or sole proprietorship that is engaged in the business of making or brokering consumer or commercial loans.

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The license is required for any company or sole proprietorship that is engaged in the business of making or brokering consumer or commercial loans.

A company is defined as an organization or company engaged in commercial, industrial, or professional activity. A business can be either a commercial enterprise or a non-profit organization. Legal forms range from limited liability companies to sole proprietors, corporations, and partnerships.

The definition of business is the profession or trade, the buying and selling of goods or services for profit. A business example is an agriculture. An example of a transaction is the sale of a home.

The word business comes from the word busy and means to do things. Works regularly.

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Assuming the absorption costing method is used, what is the total manufacturing costs per unit added to work in process during the month of february?

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The total manufacturing costs per unit is known as Absorption cost per unit . To calculate Absorption cost we use following formula-

Absorption cost per unit = (Direct Material Costs + Direct Labor Costs + Variable Manufacturing Overhead Costs + Fixed Manufacturing Overhead Costs) / Number of units produced

Absorption costing is an accounting method designed to capture all of the costs that go into manufacturing a specific product. Absorption costing considers direct materials, direct labor, variable manufacturing overhead and fixed manufacturing overhead as product costs.

How to calculate absorption costing-

1. Develop cost pools-First, determine the costs associated with the production of a product and then assign them to different cost pools.

2. Determine usage for each cost-Next, go through every activity and figure out the amount each was used during production.

3. Calculate the costs-Lastly, calculate the allocation rate, which tells you the cost per unit. You can do this by following this formula:

Absorption cost per unit = (Direct Material Costs + Direct Labor Costs + Variable Manufacturing Overhead Costs + Fixed Manufacturing Overhead Costs) / Number of units produced    

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what is irrecoverable debts and what is the use of it?

Answers

Amounts that are due to a company that the company feels will never be paid back to them. When a company offers its products or services to clients on a credit basis, the two parties come to an agreement that payment will be postponed for a certain amount of time—typically thirty days—before being made.

This is further explained below.

What are irrecoverable debts?

Generally, Amounts that are due to a company that the company feels will never be paid back to them.

In conclusion, When a company offers its products or services to clients on a credit basis, the two parties come to an agreement that payment will be postponed for a certain amount of time—typically thirty days—before being made.

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The difference between the standard cost of a product and its actual cost is called a variance.

a. true
b. false

Answers

The difference between the standard cost of a product and its actual cost is called a cost variance. Therefore the statement is true.

What is the objective of variance?

Changing across all of the pieces of information in a data set, variance is a measurement of distribution. It enables us to estimate how far away a set of factors are from each other.

To describe the variation or difference between the standard cost of a product and its actual cost the use of cost variance is done. It is utilized to estimate the financial performance of any project.

Therefore, the statement is True.

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Identify the two tables which represent quadratic relationships. x 0 1 2 3 y -4 -8 -10 -10 x 0 1 2 3 y 4 -4 -4 4 x 0 1 2 3 y -2 0 2 4 x 0 1 2 3 y 1 2 4 8 x 0 1 2 3 y -2 -4 -8 -16 x 0 1 2 3 y 3 4 5 6 JUST NEED A BIT OF HELP PLS PLEASE HELP AS SOON AS POSSIBLE Can you Identify any other time in American History where the U.S. fought for the freedom and democracy of another nation? (Any other then The Spanish-American War ) The beatitudes associated with the ten commandments in the hebrew scriptures are a part of the ______. This german composer is renown for his lavish and lengthy opera productions often based on super gods or super people. he married the illegitimate daughter of franz liszt, cosima. who was he? If the mean on a test is 83 and the standard deviation is 6: What % has:At least a 70% (passing with a C)An 80 or above (a B) What is the term used to describe the challenge of actually being able to identify who an opponent is in a cyber conflict? The golden age of the Gupta Empire occurred during the reign of which emperor?O Chandra Gupta IO AsokaO Siddhartha GautamaO Chandra Gupta II Pls answer before 8:00 pm Which term describes a sphere that has the same surface area as the earth's spheroid? Erin has developed a new lotion that will help children with sensitive skin. she invests $15,225 in equipment to manufacture and package her lotion. each bottle costs $3.25 to manufacture and sells for $12. how many bottles of lotion must she make and sell before her business breaks even? a. 998 bottles b. 1740 bottles c. 174 bottles d. 1269 bottles 400 people were surveyed for this grab how many more people prefer vanilla than do strawberry Water-storing plants and deeply rooted shrubs are plants that characterize? An issue related to the impact of unions on the structure of wages is the evolution of two-tier pay plans, which are pay structures that distinguish wages based upon _____ In spite of/ comedy/ I/ not find/ it/ funny....................................................................................Despite/ heavy/ rain/ , they/ go/ a walk....................................................................................They/ spend/ lots/ money on heating/ my city next year...........................................................................___________________________________________1. What is your hobby?- What hobby _________________________2. We all find painting interesting because it' s a creative activity.- We all think _________________________3. His hobby is collecting toy cars.- He collects _________________________4. It isn' t necessary to finish the work today.- You don' t _________________________5. When did you star your hobby? - How long _________________________6. It took me three hours to make this pottery jug. - I spent _________________________7. My father likes to do gardening at the weekend.- My father enjoys _________________________8. Why don' t we go swimming this afternoon?- What about _____________________________________________________________________________FILL IN EACH BLANK WITH A SUITABLE PREPOSITION.1. Is there any milk ________ the fridge?2. There was a lot of food left over ________ the party.3. You can warm ________ the leftovers in the microwave.4. Beat the eggs together ________ salt, pepper and cold water.5. Serve the pancakes ________ some vegetables or fruits.6. Pho is a special kind ________ Vietnamese soup. 7. Pour abour 1/4 cup of mixture ________ the pan at a time. 8. The broth for pho bo is made ________ stewing cow bones ________ a long time.9. Simmer the sauce ________ a low heat. 10. Cut the meat ________ small pieces.__________________________________________________________________There is one mistake in each sentence. Underline and correct the mistake.1. How many orange juice have you had today?2. Are there some eggs in the fridge?3. Would you like a cheese with your pasta?4. Salt is one of important ingredient for almost dishes.5. Can you buy some breads on your way home?6. What do you usually have in breakfast?7. Vietnamese eat more instant noodles to Japanese.8. How many glass of water should you drink per day? A company had $6,920,000 in net income for the year. its net sales were $14,400,000 for the same period. calculate its profit margin You often read in the newspaper that the fed has just lowered the discount rate. does this signal that the fed is moving to a more expansionary monetary policy? why or why not? does someone mind helping me with this question? Thank you! Brian became dehydrated after a long run in the hot summer sun because he did not drink enough water. what will be the volume and concentration of his urine?