1. If the Hunter Corp. has an ROE of 11 and a payout ratio of 19 percent, what is its sustainable growth rate 2. The most recent financial statements for Williamson, Inc., are shown here (assuming no income taxes): Income Statement                                 Balance Sheet Sales                $ 8,500                         Assets $ 19,500            Debt $ 6,200 Costs               6,000                            Equity 13,300 Net income       $ 2,500                         Total $ 19,500               Total $ 19,500 Assets and costs are proportional to sales. Debt and equity are not. No dividends are paid. Next year’s  sales are projected to be $10,115. What is the external financing needed? 3. The return on equity can be calculated as: 4. Which account is least apt to vary directly with sales? 5. One of the primary weaknesses of many financial planning models is that they: 6. In the financial planning model, the external financing needed (EFN) as shown on a pro forma balance 7. The maximum rate at which a firm can grow while maintaining a constant debt-equity ratio is best  defined by its: 8. Marcie’s Mercantile wants to maintain its current dividend policy, which is a payout ratio of 35 percent.  The firm does not want to increase its equity financing but is willing to maintain its current debt-equity  ratio. Given these requirements, the maximum rate at which Marcie’s can grow is equal to: 9. The external funds needed (EFN) equation projects the addition to retained earnings as: 10. Financial planning, when properly executed: 11. Projected future financial statements are called: 12. Which one of the following depicts a correct relationship? 13. All of the following can provide credit information about a customer except: 14. Selling goods and services on credit is: 15. The operating cycle can be decreased by: 16. Given a fixed level of sales and a constant profit margin, an increase in the accounts payable period can result from: 17. When credit is granted to another firm this gives rise to a(n): 18. On September 1, a firm grants credit with terms of 2/10 net 30. The creditor: 19. The three components of credit policy are: 20. The minimum level of inventory that a firm wants to keep on hand at all times is referred to as: 21. The credit period begins on the: 22. Since the credit decision usually includes riskier customers, the decision should adjust for this by: 23. Jordan and Sons has an inventory period of 48.6 days, an accounts payable period of 36.2 days, and an accounts receivable period of 29.3 days. Management is considering offering a 5 percent discount if its credit customers pay for their purchases within 10 days. This discount is expected to reduce the receivables period by 17 days. If the discount is offered, the operating cycle will decrease from ___  days to ___ days. 24. A firm has an inventory turnover rate of 15.7, a receivables turnover rate of 20.2, and a payables turnover rate of 14.6. How long is the operating cycle? 25. Brown’s Market currently has an operating cycle of 76.8 days. It is planning some operational changes that are expected to decrease the accounts receivable period by 2.8 days and decrease the inventory period by 3.1 days. The accounts payable turnover rate is expected to increase from 9 to 11.5 times per year. If all of these changes are adopted, what will be the firm’s new operating cycle? 26. On average, D & M sells its inventory in 37 days, collects on its receivables in 3.4 days, and takes 35 days to pay for its purchases. What is the length of the firm’s operating cycle?

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