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30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
epiphysis
rounded end of a long bone, at its joint with adjacent bone(s)
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
epiphyseal plate
a hyaline cartilage plate in the metaphysis at each end of a long bone. The plate is found in children and adolescents;
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
growth plate
another name for epiphyseal plate
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
growth hormone
peptide hormone that stimulates growth, cell reproduction and regeneration in humans and other animals.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
somatoropin
growth hormone produced naturally in animals
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
pituitary dwarfism
Extreme shortness in humans with proportional body parts usually has a hormonal cause
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
gigantism
condition characterized by excessive growth and height significantly above average. In humans, this condition is caused by over-production of growth hormone in childhood before the long bone epiphyses
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
acromegaly
syndrome that results when the anterior pituitary gland produces excess growth hormone (GH) after epiphyseal plate closure at puberty.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
thyroxine
form of thyroid hormones, is the major hormone secreted by the follicular cells of the thyroid gland.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
osteoclast-stimulating hormone
parathyroid hormone (PTH)
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
calcitonin
linear polypeptide hormone that is produced in humans primarily by the parafollicular cells of thyroid. It acts to reduce blood calcium (Ca2+), opposing the effects of parathyroid hormone (PTH).
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
parafollicular cells
(also called C cells) are cells in the thyroid that produce and secrete calcitonin.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
C cells
another name for parafollicular cells
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
parathyroid hormone
secreted by the chief cells of the parathyroid glands. acts to increase the concentration of calcium (Ca2+) in the blood
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
parathyroid gland
small endocrine glands in the neck that produce parathyroid hormone. control the amount of calcium in the blood and within the bones.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
rickets
softening of bones in children due to deficiency or impaired metabolism of vitamin D, magnesium,[1] phosphorus or calcium,[2] potentially leading to fractures and deformity.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
osteomalacia
softening of the bones caused by defective bone mineralization secondary to inadequate amounts of available phosphorus and calcium, or because of overactive resorption of calcium from the bone as a result of hyperparathyroidism. called rickets in children
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
osteoporosis
disease of bones that leads to an increased risk of fracture.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
osteopetrosis
literally "stone bone", also known as marble bone disease and Albers-Schonberg disease is an extremely rare inherited disorder whereby the bones harden, becoming denser
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
scurvy
disease resulting from a deficiency of vitamin C, which is required for the synthesis of collagen in humans.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
vitamin D3
synthesized by humans in the skin when it is exposed to ultraviolet B (UVB) rays from sunlight.maintain normal blood levels of calcium and phosphorus. aids in the absorption of calcium, helping to form and maintain strong bones.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
1,25-dihydroxycholecaclciferol
hormonally active form of vitamin D with three hydroxyl groups. It increases the level of calcium (Ca2+) in the blood by (1) increasing the uptake of calcium from the gut into the blood, (2) decreasing the transfer of calcium from blood to the urine by the kidney, and (3) increasing the release of calcium into the blood from bone
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
diarthroses
Any of several types of bone articulation permitting free motion in a joint, as that of the shoulder or hip.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
synarthroses
A form of articulation in which the bones are rigidly joined by fibrous tissue.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
synostosis
means fusion of two bones, it can be normal in puberty, fusion of the epifyse, or abnormal (type of dysostosis).
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
synchondrosis
cartilaginous joint where the connecting medium is hyaline cartilage. e.g. where rib meets sternum.
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
syndesmosis
slightly movable articulation where the contiguous bony surfaces are united by an interosseous ligament
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
30169615_Language_Flashcards___Cram_com__ted__cartilage_is_not_present_
synovial fluids
viscous fluid found in the cavities of synovial joints
[]
Bone Formation and Growth Foreign Language Flashcards - Cram.com
process by which bone tissue is created. cartilage is not present.
http://www.cram.com/flashcards/bone-formation-and-growth-2099725
35/1438042989443.69_20150728002309-00057-ip-10-236-191-2_378215147_0.json
7835192d_apter_18_Flashcards___Cram_com__atic_vessels___seed_new_tumors
[malignant tumor] metastsis
process of tumor spreading
[]
genetics chapter 18 Flashcards - Cram.com
one that infiltrates nearby tissue sends parts of itself into blood strem or lymphatic vessels - seed new tumors
http://www.cram.com/flashcards/genetics-chapter-18-1327686
35/1438042990217.27_20150728002310-00078-ip-10-236-191-2_386985744_0.json
7835192d_apter_18_Flashcards___Cram_com__atic_vessels___seed_new_tumors
[malignant tumor] percent of cancer cases that are inherited as single gene disorder
about 10 percent
[]
genetics chapter 18 Flashcards - Cram.com
one that infiltrates nearby tissue sends parts of itself into blood strem or lymphatic vessels - seed new tumors
http://www.cram.com/flashcards/genetics-chapter-18-1327686
35/1438042990217.27_20150728002310-00078-ip-10-236-191-2_386985744_0.json
7835192d_apter_18_Flashcards___Cram_com__atic_vessels___seed_new_tumors
[malignant tumor] mutations in cancer causing genes typically occur in
a few somatic cells
[]
genetics chapter 18 Flashcards - Cram.com
one that infiltrates nearby tissue sends parts of itself into blood strem or lymphatic vessels - seed new tumors
http://www.cram.com/flashcards/genetics-chapter-18-1327686
35/1438042990217.27_20150728002310-00078-ip-10-236-191-2_386985744_0.json
7835192d_apter_18_Flashcards___Cram_com__atic_vessels___seed_new_tumors
[malignant tumor] increases the risk of cancer
SUM OF COMBINATIONS OF PARTICULAR GENE VARIANTS
[]
genetics chapter 18 Flashcards - Cram.com
one that infiltrates nearby tissue sends parts of itself into blood strem or lymphatic vessels - seed new tumors
http://www.cram.com/flashcards/genetics-chapter-18-1327686
35/1438042990217.27_20150728002310-00078-ip-10-236-191-2_386985744_0.json
7835192d_apter_18_Flashcards___Cram_com__atic_vessels___seed_new_tumors
[malignant tumor] changes at -- level fuel disease process
gene expression
[]
genetics chapter 18 Flashcards - Cram.com
one that infiltrates nearby tissue sends parts of itself into blood strem or lymphatic vessels - seed new tumors
http://www.cram.com/flashcards/genetics-chapter-18-1327686
35/1438042990217.27_20150728002310-00078-ip-10-236-191-2_386985744_0.json
7835192d_apter_18_Flashcards___Cram_com__atic_vessels___seed_new_tumors
[malignant tumor] these agents cause cancer by interfering with the precise genetic controls of cell division
viruses chemicals and radiation
[]
genetics chapter 18 Flashcards - Cram.com
one that infiltrates nearby tissue sends parts of itself into blood strem or lymphatic vessels - seed new tumors
http://www.cram.com/flashcards/genetics-chapter-18-1327686
35/1438042990217.27_20150728002310-00078-ip-10-236-191-2_386985744_0.json
7835192d_apter_18_Flashcards___Cram_com__atic_vessels___seed_new_tumors
[malignant tumor] most substances that are carcinogens are also
mutagens
[]
genetics chapter 18 Flashcards - Cram.com
one that infiltrates nearby tissue sends parts of itself into blood strem or lymphatic vessels - seed new tumors
http://www.cram.com/flashcards/genetics-chapter-18-1327686
35/1438042990217.27_20150728002310-00078-ip-10-236-191-2_386985744_0.json
7835192d_apter_18_Flashcards___Cram_com__atic_vessels___seed_new_tumors
[malignant tumor] oncogenes
causes cancer when inappropriately activated
[]
genetics chapter 18 Flashcards - Cram.com
one that infiltrates nearby tissue sends parts of itself into blood strem or lymphatic vessels - seed new tumors
http://www.cram.com/flashcards/genetics-chapter-18-1327686
35/1438042990217.27_20150728002310-00078-ip-10-236-191-2_386985744_0.json
7835192d_apter_18_Flashcards___Cram_com__atic_vessels___seed_new_tumors
[malignant tumor] tumor suppressor genes
can cause cancer when deleted or inactivated
[]
genetics chapter 18 Flashcards - Cram.com
one that infiltrates nearby tissue sends parts of itself into blood strem or lymphatic vessels - seed new tumors
http://www.cram.com/flashcards/genetics-chapter-18-1327686
35/1438042990217.27_20150728002310-00078-ip-10-236-191-2_386985744_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
functions like a visual calculator [Microsoft Excel]
electronic spreadsheet or worksheet
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
consists of a grid of columns and rows [Microsoft Excel]
worksheet
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
labeled with letters and runs vertically [Microsoft Excel]
columns
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
labeled with numbers and runs horizontally [Microsoft Excel]
rows
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
contains one or more worksheets, each represented by a taba at the bottom of the Excel window [Microsoft Excel]
workbook
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
rectangle formed by the intersection of a column and row [Microsoft Excel]
worksheet cell
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
cell you can currently edit or modify (marked with a black outline) [Microsoft Excel]
active cell
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
series of cells: when specifying a range, use a colon to separate the first and last cells [Microsoft Excel]
range
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
any text entered into a cell (title) [Microsoft Excel]
label
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
number that you intend to use in a calculation [Microsoft Excel]
value
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
used to enter the same number into multiple cells [Microsoft Excel]
drag and fill
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
specifies how to add, subtract, multiply, divide or otherwise calculate the values in the worksheet cells [Microsoft Excel]
formula
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
column and row location of a cell [Microsoft Excel]
cell reference
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
indicates the selected cell [Microsoft Excel]
marquee
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
predefined formula such as payments and net present value [Microsoft Excel]
function
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
formula that references the cell in which the formula resides [Microsoft Excel]
circular reference
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
consists of balues or cell references used to calculate the result of the function [Microsoft Excel]
argument
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
dc0c1d9b_apter_10_Flashcards___Cram_com__Microsoft_Excel
used to quickly create a function to calculate the totalof a column or row of cells [Microsoft Excel]
autosum
[]
Practical Computer Literacy Chapter 10 Flashcards - Cram.com
Microsoft Excel
http://www.cram.com/flashcards/practical-computer-literacy-chapter-10-416078
35/1438042990217.27_20150728002310-00077-ip-10-236-191-2_400164251_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] costs of premature death
1-the deceased's future earnings are lost forever 2- additional expenses are incurred (funeral expenses, uninsured medical bills, estate settlement costs) 3-some families will experience a reduction in their standard of living 4-noneconomic costs (grief, counseling)
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] different types of families
single-person single-parent family two income earners with children traditional family blended family sandwiched family
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] approaches used to estimate the amount of life insurance to own
1-human life value approach 2-the needs approach 3-the capital retention approach
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] human life value approach
the amount needed depends on the insured's human life value, which is the present value of the family's share of the deceased breadwinner's future earnings
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] calculating human life value approach
step 1-estimate the individual's average annual earnings over his or her productive lifetime step 2-deduct taxes, insurance premiums, and self-maintenance costs (remaining amount is used to support the family) step 3-using a reasonable discount rate, determine the present value of the family's share of earnings for the number of years until retirement
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] needs approach
the amount needed depends on the financial needs that must be met if the family head should die
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] family needs to consider
-an estate clearance fund -income needed for the readjustment period -the dependency period -life income to the surviving spouse, including income during and after the blackout period -special needs(funds for college educations, emergencies)
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] estate clearance fund
cash needed for burial expenses, uninsured medical bills, and taxes
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] readjustment period
a 1-2 year period in which the family adjusts to its new living standard
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] dependency period
the period until the youngest child reaches age 18 *follows the readjustment period
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] blackout period
the period from the time that Social Security survivor benefits terminate to the time the benefits are resumed
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] calculating the needs approach
total amount needed -total amount of existing insurance and financial assets =amount of new insurance that should be purchased
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] capital retention approach
preserves the capital needed to provide income to the family(income-producing assets are preserved for the heirs)
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] calculating the capital retention approach
step 1-prepare a personal balance sheet step 2-determine the amount of income-producing capital step 3-determine the amount of additional capital needed to meet the family needs
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] types of life insurance
1-term insurance 2-cash value life insurance 3-variations of both types
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] term life
provide temporary protection
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] convertible
the policy can be exchanged for a cash-value policy without evidence of insurability -through the attained-age method or the original-age method
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] attained-age method
the premium charged for the new policy is based on the insured's attained age at the time of conversion
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] original-age method
the premium charged for the new policy is based on the insured's original age when the term insurance was first purchased
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] yearly-renewable term insurance
issued for a one-year period
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] term to age 65 policy
provides protection to age 65, at which time the policy expires -can be converted to a permanent plan but decision to convert must be exercised before age 65
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] decreasing term insurance policy
the face value gradually declines each year
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] reentry term insurance policy
renewal premiums are based on select lower mortality rates if the insured can periodically demonstrate acceptable evidence of insurability
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] return of premiums term
the premiums are refunded if the policyowner outlives the term of the policy
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] when is term life insurance appropriate?
-the amount of income that can be spent on life insurance is limited -the need for protection is temporary -the insured wants to guarantee future insurability
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] limitations of term life insurance
-term insurance premiums increase with age at an increasing rate and eventually reach prohibitive levels -term insurance in inappropriate if you wish to save money for a specific need
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] types of whole life insurance
ordinary life, limited-payment life, endowment insurance, variable life, universal life, variable universal life, current assumption whole life, intermediate-premium whole life
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] whole life insurance
a cash value policy that provides lifetime protection -a stated amount is paid to a designated beneficiary when the insured dies, regardless of whether the death occurs
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] ordinary life insurance
a level-premium policy that provides lifetime protection
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] legal reserve
the excess premiums paid during the early years are used to supplement the inadequate premiums paid during the later years of the policy
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] net amount at risk
the difference between the legal reserve and the face amount of coverage
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
4ef966db_t_Exam_2_Flashcards___Cram_com__o_educate__mortgage_to_pay_off
[premature death] cash surrender values
a policyholder overpays for insurance protection during the early years, resulting in a legal reserve and the accumulation of cash values
[]
Risk Managment-Exam 2 Flashcards - Cram.com
the death of a family head with outstanding unfulfilled financial obligations *such as dependents to support, children to educate, mortgage to pay off
http://www.cram.com/flashcards/risk-managment-exam-2-1967469
35/1438042989443.69_20150728002309-00088-ip-10-236-191-2_389389378_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] The TERM of a Loan is [2]
FIXED
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] The TERM of a line of Credit is [2]
VARAIBLE
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] The Rate of a Loan is [2]
FIXED
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] The Rate for a Line of Credit is [2]
VARIABLE
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] The Payment amount for a Loan is generally [2]
FIXED
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] The Payment for a Line of Credit is generally [2]
VARIABLE
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] Disbursement for a Loan is generally [2]
At Closing in a lump sum amount
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] Disbursement for a Line of Credit is generally [2]
REVOLVING
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] LTV [2]
Loan to Value Ratio- Loan amount divided by the collateral.
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] APR [2]
Annual Percentage Rate- Always quote this for a Loan
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] APY [2]
Annual Percentage Yield
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] APD [2]
Automatic Payment Deduction - If taken customer gets .25 % deduction on the rate.
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json
da9f2e96_al_Loans_Flashcards___Cram_com__2
[1] APD applies only to [2]
Loan Products
[]
General Loans Flashcards - Cram.com
2
http://www.cram.com/flashcards/general-loans-480296
35/1438042989443.69_20150728002309-00249-ip-10-236-191-2_375271842_0.json