Term life insurance and mortgage life insurance are both relatively expensive types of decreasing-term life insurance. Term insurance and mortgage life insurance can help you pay down your mortgage. You must pay recurring premiums to maintain any form of insurance in place. However, with mortgage life insurance, your mortgage lender is the policy's beneficiary rather than the beneficiaries you name.
While term life insurance is sometimes the least expensive option, there are some drawbacks to purchasing coverage. The insurance has no cash value, no surrender value if you cancel, and if you have to renew, your premium is modified depending on your current age and health, which might imply much higher rates.
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T/F ; ""tax freedom day"" represents how long the average person works to pay her or his taxes each year.
It is TRUE that "Tax Freedom Day" represents how long the average person works to pay her or his taxes each year.
Tax Freedom Day is a concept used in the United States, Canada, and other countries to represent the day on which the average person has earned enough income to pay their total tax bill for the year. It is calculated by dividing the total amount of taxes paid by the total personal income earned and multiplying by the number of days in the year. The resulting date represents how long the average person works to pay their taxes each year, and is often used as a way to raise awareness about the overall tax burden in a given country or region.
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Which of the following explanations for United States foreign policy debates after September 11, 2001, could the situation described in the excerpt best be used to support?
Russell Hardin, political scientist, "Civil Liberties in the Era of Mass Terrorism," Journal of Ethics, 2004
The reasons for US foreign policy debates are the contentious national security efforts to combat terrorism. The choice B is correct.
U.S. foreign policy places a strong emphasis on safeguarding human rights and promoting democracy and freedom around the world. The three most important objectives of American foreign policy are world peace, prosperity, and security. Security, or the safeguarding of American interests and citizens, is a constant concern; however, over its long history, the United States has attempted to achieve security in various ways.
Under the Constitution, the Leader of the US decides U.S. international strategy. The President's chief foreign affairs advisor is the Secretary of State, who was appointed by the President with the advice and consent of the Senate.
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Complete question as follows :
Which of the following explanations for United States foreign policy debates after September 11, 2001, could the situation described in the excerpt best be used to support?
A. Some people asserted that the United States should return to isolationism.
B. The national security efforts to prevent terrorism were controversial.
C. The decision to go to war in Iraq deeply divided the American people.
D. Some people argued that fossil fuel dependence undercut national security.
if a state adopts a free college tuition program, ceteris paribus, economists expect there to be a:
If a state adopts a free college tuition program, ceteris paribus, economists expect there to be an increase in the number of college students.
If a state adopts a free college tuition program, ceteris paribus (all other things being equal), it would make college education more accessible and affordable to students who may not have otherwise been able to afford it. This, in turn, is likely to increase the number of college students in the state. With more students pursuing higher education, there is also likely to be an increase in the number of college graduates, which could benefit the state's economy in the long run by providing a more highly skilled workforce.
However, the implementation of such a program could also lead to increased costs for the state and potential issues related to the quality of education and educational institutions.
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after a takeover, the parent's balance sheet shows a fair market value basis in the subsidiary for both book and tax purposes. True or False?
Answer:
True
Explanation:
In the context of accounting, when a company takes over another company, the parent company must recognize the assets and liabilities of the subsidiary company at fair market value. The fair market value is the estimated price that an asset or liability would receive in a transaction between two willing and unrelated parties.
When the parent company adjusts the value of the subsidiary's assets and liabilities to fair market value, this creates a new basis in the subsidiary's assets and liabilities for both book (financial accounting) and tax purposes.
So, the statement "after a takeover, the parent's balance sheet shows a fair market value basis in the subsidiary for both book and tax purposes" is true.
under the _______ theory of jurisprudence, the law is what the sovereign says it is.
Answer:
legal positivism
Explanation:
Under the "positivist" theory of jurisprudence, the law is what the sovereign says it is.
The positivist theory of law asserts that the law is a set of rules created by a recognized authority, such as a sovereign or governing body. Under this theory, the law is not derived from any inherent moral or ethical principles, but instead derives its validity from the authority of the legal system that creates and enforces it.
Positivism holds that the content of the law is not necessarily tied to any particular moral or ethical principles, but rather is based on the authority of the legal system that creates and enforces it. This means that the law can be whatever the sovereign or governing body says it is, regardless of whether it is considered moral or ethical by individuals or society as a whole.
One of the key advantages of the positivist theory is that it provides a clear and objective basis for determining what the law is. This is because the law is determined solely by its source of authority, rather than by any subjective moral or ethical considerations.
However, the positivist theory has also been criticized for its lack of consideration for the moral or ethical implications of the law. Critics argue that the law should be based on more than just the authority of the legal system, and that it should also take into account broader moral and ethical principles.
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What are some physical methods for enhancing latent fingerprints?
Some physical methods for enhancing latent fingerprints are, Powders, Powders, Ninhydrin, Physical developer, UV light:
What are some physical methods for enhancing latent fingerprints?Powders: Unique finger impression powders are utilized to form the inactive prints more obvious by following to the oils and sweat cleared out behind by the fingers. The powder can be connected employing a brush or attractive utensil.
Powders: Moreover known as superglue smoldering, this procedure includes warming superglue to form vapor that follow to the unique mark buildup, making it obvious.
Ninhydrin: This strategy includes splashing or dipping the protest in a solution of ninhydrin, which responds with the amino acids within the sweat and oils to form a purple or blue color.
Physical developer: This method includes employing a arrangement of silver nitrate and other chemicals to respond with the inactive prints, making them unmistakable.
UV light: Bright light can be utilized to imagine inactive prints by causing the oils and sweat to fluoresce.
It's critical to note that each of these strategies has its claim focal points and impediments, and the choice of strategy depends on different variables such as the sort of surface the print is on, the age of the print, and the chemicals show within the buildup.
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_____ law placed the risk of loss to goods on the party who held title to the goods.
Answer:
Common
Explanation:
Common law placed the risk of loss to goods on the party who held title to the goods.
Under the common law, which is a body of law derived from judicial decisions and custom, the general rule was that the risk of loss or damage to goods passed from the seller to the buyer when the seller delivered the goods to a carrier for shipment. This rule applied even if the goods were damaged or lost during shipment. However, the rule could be altered by agreement between the parties, such as through a contract that included specific provisions allocating the risk of loss. The Uniform Commercial Code (UCC), which has been adopted in some form by all 50 U.S. states, includes provisions governing the risk of loss in the sale of goods and provides some exceptions to the common law rule.
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after a decision has been reached, one of the members of the majority is assigned to write the:
After a decision has been reached in a court or committee, one of the members of the majority is assigned to write the majority opinion.
This document outlines the legal reasoning behind the decision and serves as an explanation for the group's stance. The majority opinion sets a precedent for future cases and provides guidance for lower courts or other authorities interpreting the law.
The assigned member is usually chosen by the highest-ranking member of the majority, such as the Chief Justice in a Supreme Court. It's essential for the majority opinion to be clear, well-reasoned, and accurate, as it plays a critical role in shaping legal interpretations and outcomes.
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the _____ act was passed in response to the growing number of identity-theft cases.
The Identity Theft and Assumption Deterrence Act was passed in response to the growing number of identity theft cases. This act aimed to protect individuals by making identity theft a federal crime, reflecting the importance of addressing this issue.
The act that was passed in response to the growing number of identity-theft cases is known as the Identity Theft and Assumption Deterrence Act. This act was signed into law by President Bill Clinton in 1998 and is considered to be one of the most important pieces of legislation in the fight against identity theft.
The act aimed to make identity theft a federal crime and to provide law enforcement agencies with the tools they needed to investigate and prosecute cases of identity theft.
It also created the Federal Trade Commission's Identity Theft Data Clearinghouse, which collects and stores information about identity theft cases and provides assistance to victims of identity theft. The growing number of identity-theft cases is a serious concern, as it affects millions of people every year.
Identity theft can result in financial losses, damage to credit scores, and other negative consequences. As technology continues to advance and more people use the internet for financial transactions, the risk of identity theft is likely to continue to grow.
In conclusion, the Identity Theft and Assumption Deterrence Act is an important step in addressing the issue of identity theft. However, more needs to be done to combat this growing problem and protect individuals from the negative consequences of identity theft.
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if the federal reserve board needed to curb inflation, it would most likely __________.
If the Federal Reserve Board needed to curb inflation, it would most likely increase interest rates.
This is because when interest rates are increased, borrowing money becomes more expensive, which can lead to a decrease in consumer and business spending. This decrease in spending can lead to a reduction in demand for goods and services, which can lower prices and ultimately help to curb inflation.
The Federal Reserve has the responsibility of controlling the money supply in the United States. It can use a variety of tools to influence the money supply, including setting reserve requirements for banks, buying and selling government securities, and adjusting the discount rate at which banks can borrow money from the Federal Reserve.
By using these tools, the Federal Reserve can help to maintain price stability and promote economic growth.
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a lack of__________is a major factor in traffic crashes.
A lack of attention or distracted driving is a major factor in traffic crashes.
Distracted driving refers to any activity that takes a driver's attention away from driving, including texting, eating, adjusting the radio, and using a navigation system.
These activities can significantly impair a driver's ability to recognize and respond to traffic conditions, increasing the risk of a crash. According to the National Highway Traffic Safety Administration (NHTSA), distracted driving was a factor in 8.5% of fatal crashes and 14% of all police-reported crashes in the United States in 2019.
To reduce the risk of crashes caused by distracted driving, many states have enacted laws banning the use of handheld electronic devices while driving and promoting awareness campaigns to educate drivers on the dangers of distracted driving.
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What is the process for comparing bullets and firearms evidence to a suspected weapon?
The process for comparing bullets and firearms evidence to a suspected weapon is known as ballistic testing. This process involves several steps that are performed by trained forensic scientists to determine whether a particular firearm was used in the commission of a crime.
The first step in ballistic testing is to examine the bullet or bullets recovered from the crime scene. This involves analyzing the caliber, shape, and other physical characteristics of the bullet to determine the type of firearm that was used. Next, the suspected weapon is test-fired using the same type of ammunition recovered from the crime scene. The test-fired bullets are then compared to the crime scene bullets under a microscope to identify any matching striations or other markings. Finally, the forensic scientist will use the test-fired bullets to create a ballistic fingerprint of the firearm. This involves analyzing the unique characteristics of the firearm, such as the rifling pattern in the barrel, to create a detailed profile that can be compared to other bullets recovered from other crime scenes.
Therefore, the process for comparing bullets and firearms evidence to a suspected weapon is known as ballistic testing.
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Bob consigned all of his stock holdings to the court as collateral against pretrial flight. What type of bail did he post?
It appears that Bob posted a type of bail known as collateral bail. This is a type of bail where the accused deposits property, such as stock holdings, as collateral with the court in exchange for release from jail before trial.
Collateral bail is often used when the accused is deemed to be a flight risk and the court wants to ensure that they will not flee before their trial date.
By consigning all of his stock holdings to the court, Bob has essentially pledged them as security for his release. If he fails to appear in court or violates the conditions of his release, the court may seize his collateral and use it to cover the cost of his bail.
Overall, collateral bail is a common option for defendants who do not have the cash to post bail and need to use other assets as collateral instead.
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in the province of quebec, canada, discrimination on the basis of ___________ is prohibited.
In the province of Quebec, Canada, discrimination on the basis of Human Rights and Freedoms is prohibited.
Quebec's Charter of Human Rights and Freedoms prohibits discrimination on the basis of various grounds, including race, color, sex, pregnancy, sexual orientation, civil status, age, religion, political convictions, language, ethnic or national origin, social condition, and disability. The Charter is a provincial law that sets out the fundamental rights and freedoms of all individuals in Quebec, and it applies to both the public and private sectors. The Charter also includes provisions related to employment, housing, and access to services, which are designed to ensure that all individuals are treated fairly and without discrimination. Quebec's human rights commission is responsible for enforcing the provisions of the Charter and investigating complaints of discrimination.
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FILL IN THE BLANK. collisions do not just happen by chance - they are a consequence of ___________ driving practices.
Collisions do not just happen by chance - they are a consequence of negligent driving practices.
Negligent driving practices can encompass a wide range of behaviors that lead to collisions, such as speeding, distracted driving, impaired driving, and aggressive driving. Speeding reduces reaction time and increases the force of impact during a collision, making accidents more likely and severe. Distracted driving, such as using a cell phone, eating, or adjusting the radio, diverts a driver's attention from the road, leading to delayed reactions and poor decision-making.
Impaired driving, caused by alcohol or drug use, significantly hinders a driver's judgment, coordination, and ability to respond to traffic conditions. Aggressive driving, including tailgating, weaving in and out of traffic, and frequent lane changes, can provoke other drivers and cause collisions. By understanding and avoiding these negligent driving practices, drivers can significantly reduce their risk of collisions and contribute to safer roads for all.
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a mass of sociological evidence was used in the muller v. oregon (1908) ruling to demonstrate: ___
In the Muller v. Oregon (1908) case, a mass of sociological evidence was used to demonstrate that women are physically and socially different from men and therefore require special protection in the workplace.
Women, in particular, have smaller and weaker bodies, are more prone to illness and injury, and have higher caregiving obligations at home, according to the data provided in the case.
Furthermore, the findings showed that lengthy working hours could have a negative impact on women's health. Based on this information, the Oregon Supreme Court affirmed a statute that limited women's working hours in some industries, such as laundry and factories, to a maximum of 10 hours per day.
This case was a watershed moment in the history of labour and gender equality in the United States, laying the groundwork for workplace legislation that safeguard women's health and safety.
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more states waive juveniles to the adult court at the age of ________ than any other age.
More states waive juveniles to the adult court at the age of 16 than any other age.
This practice, known as waiver or transfer, allows states to move juvenile offenders from the juvenile justice system to the adult criminal justice system, based on specific criteria such as the severity of the offense, prior criminal history, and the age of the offender.
The decision to transfer a juvenile to adult court is often influenced by concerns about public safety and the belief that some offenders are beyond the scope of rehabilitation offered by the juvenile system. However, this approach has been criticized for potentially exacerbating recidivism and negatively impacting the development of these young individuals.
Research has shown that juveniles who are tried and sentenced in adult courts are more likely to reoffend than those who remain in the juvenile justice system. This is partly because adult courts tend to focus on punishment, rather than rehabilitation, and may not offer age-appropriate services that address the underlying causes of criminal behavior.
Furthermore, young offenders in adult facilities are at an increased risk of experiencing physical and mental abuse, as well as being influenced by older, more experienced criminals. This environment can hinder their chances of successfully reintegrating into society upon release.
In conclusion, while the age of 16 is most commonly used for transferring juveniles to adult court, it is essential to carefully consider the potential long-term consequences of this practice and explore alternative approaches that prioritize rehabilitation and support for young offenders.
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where did fallon see damage in the brain when he looked at the brains of phycopathic killers
Fallon noticed that each phycopathic killer had damage to their orbital cortex, which is right above the eyes, the orbits, and also the interior part of the temporal lobe.
A lack of interpersonal empathy and an inability to feel pity or remorse also characterize psychopathic serial killers. They do not value human life and do not care about the consequences of their crimes. They are callous, indifferent, and extremely brutal in their interactions with their victims.
The factors that Fallon suggests creates psychopathic killers are the interaction of genes, what's called the epigenetic effects, brain damage, and the environment that the psychopathic killer was in or had been in. Each killer had damage to their orbital cortex, which is right above the eyes, the orbits, and also the interior part of the temporal lobe. They all also have the MAO-A gene.
Therefore, the phycopathic killers had damage in the orbital cortex of their brain.
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on a multiple-lane roadway with several lanes in one direction, you must use _________ for passing.
On a multiple-lane roadway with several lanes in one direction, you must use the left lane for passing. This is because the right lane is meant for slower-moving vehicles and those exiting the roadway, while the left lane is intended for passing and faster-moving traffic.
It is important to remember to only use the left lane for passing and then immediately return to the right lane once the pass is complete. Hogging the left lane can cause traffic congestion and can even be dangerous if other drivers become frustrated and attempt to pass on the right. Additionally, in some states, it is illegal to drive in the left lane except for passing or turning left.
Overall, following the proper lane usage for passing can help maintain a safe and efficient flow of traffic on multiple-lane roadways.
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no proposed legislation becomes eu law unless the ________ votes it into law.
The statement is completed as: ''No proposed legislation becomes EU law unless the Council of the European Union votes it into law.''
The Council of the European Union, also known as the Council of Ministers, is one of the main decision-making bodies of the European Union (EU). It is composed of representatives of the national governments of the EU member states and is responsible for adopting EU legislation, coordinating EU policies, and negotiating international agreements on behalf of the EU.
The EU legislative process involves several stages, starting with the proposal of legislation by the European Commission, which is the executive branch of the EU. The proposed legislation is then reviewed by the European Parliament, which is the directly elected legislative body of the EU.
In the Council of the European Union, each member state has a number of votes that is weighted according to its population. A qualified majority is required to adopt legislation, which means that at least 55% of member states representing at least 65% of the EU population must vote in favor of the legislation.
Once the Council of the European Union approves the legislation, it becomes EU law and is binding on all member states.
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For most of American history, those most in need were cared for by which of the following?
a. international charity organizations
b. federal government programs
c. state government programs
d. local government programs
For most of American history, those most in need were cared for by Local government programs. The correct option is d.
Local government programs have been in charge of helping those in need for the majority of American history. This included initiatives like poorhouses, which gave the needy housing and basic necessities as well as other types of assistance and support for the underprivileged and weaker members of society.
In order to address issues of poverty and social welfare, state and federal government programs also emerged such as the Social Security Act of 1935 and the creation of Medicaid and other assistance programs.
The administration of many social welfare and poverty related programs and services, however still takes place at the local level, with county and municipal governments playing a significant role in helping those in need. The correct option is d.
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use the ___________ rule to keep a safe distance between your vehicle and a school bus.
Use the three-second rule to keep a safe distance between your vehicle and a school bus.
The three-second rule is a basic rule of thumb that drivers can use to maintain a safe following distance from the vehicle in front of them. To use the three-second rule, a driver should choose a fixed object on the road (such as a sign or a tree) and begin counting when the vehicle in front of them passes the object. The driver should then make sure that at least three seconds pass before their vehicle passes the same object.
When driving near a school bus, it is important to use the three-second rule and be prepared to stop quickly if necessary. School buses make frequent stops to pick up and drop off children, so drivers should always be alert and ready to brake when the bus's lights flash and the stop arm is extended. Keeping a safe following distance can help prevent accidents and keep children safe.
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when designing a security policy, many organizations follow a standard set of ____________________.
Answer:
principles
Explanation:
The statement is completed as: ''When designing a security policy, many organizations follow a standard set of principles.''
When designing a security policy, many organizations follow a standard set of principles. These principles are a set of guidelines that provide a framework for developing a comprehensive and effective security policy. The principles include:
Confidentiality: This principle ensures that sensitive information is protected from unauthorized access or disclosure.Integrity: This principle ensures that information is accurate and complete and that it has not been tampered with or modified without proper authorization.Availability: This principle ensures that information and resources are accessible to authorized users when needed.Authentication: This principle ensures that users are properly identified and verified before being granted access to resources.Authorization: This principle ensures that users are granted access to only the resources they need to perform their job functions.Non-repudiation: This principle ensures that actions performed by users can be traced back to them and cannot be denied or repudiated.Following these principles when designing a security policy can help organizations to develop a comprehensive and effective policy that protects their sensitive information and resources.
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texas laws, such as making the theft of cattle a felony, are examples of ______
Texas laws, such as making the theft of cattle a felony, are examples of agricultural and livestock-related legislation. These laws aim to protect the state's thriving cattle industry and ensure that cattle theft is taken seriously.
Cattle theft is a significant problem in Texas, with over 10,000 head of cattle stolen in the state each year, according to the Texas and Southwestern Cattle Raisers Association. The loss of cattle not only impacts ranchers financially but also has a ripple effect on the entire industry. Therefore, the state government has implemented strict laws and penalties to deter cattle theft.Texas has several laws specifically targeting cattle theft, including the felony classification for stealing cattle valued at over $150,000. Other laws include mandatory brand inspections and requirements for individuals who purchase or transport cattle to have a valid license. Additionally, the state has established special law enforcement units dedicated to investigating cattle theft cases.In summary, Texas laws related to cattle theft and other agricultural practices are crucial in maintaining the state's robust cattle industry. These laws not only protect ranchers but also ensure that the state's economy remains strong.
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the federal laws that address fraud & abuse include __________.
The federal laws that address fraud and abuse include the False Claims Act (FCA), Anti-Kickback Statute (AKS), Physician Self-Referral Law (Stark Law), and the Health Insurance Portability and Accountability Act (HIPAA).
The FCA imposes liability on individuals and organizations that submit false or fraudulent claims to the government for payment. The AKS prohibits the exchange of anything of value in exchange for referrals of patients for healthcare services paid for by federal programs.
The Stark Law prohibits physicians from referring patients to entities in which they have a financial interest. Lastly, HIPAA establishes national standards to protect individuals' medical records and other personal health information.
These laws are enforced by federal agencies such as the Department of Justice, Department of Health and Human Services, and the Office of Inspector General, and violators can face significant penalties and fines.
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what factors does fallon suggest create phycopathic killers
Answer:
the interaction of genes, what's called the epigenetic effects, brain damage, and the environment that the psychopathic killer was in or had been in.
Explanation:
Source: Criminology Unit 2 Lab Questions
essential elements of the crime of terrorism do not include ________.
The essential elements of the crime of terrorism do not include any specific motive or political ideology. Rather, the essential elements of the crime of terrorism generally involve the intentional use of violence or the threat of violence to instill fear and intimidate a population or government.
Additionally, terrorism typically involves the targeting of civilians or non-combatants in order to achieve its aims. Other important elements may include the use of weapons or explosives, coordination or planning, and a desire to create a widespread impact beyond the immediate victims of the attack.
While terrorism is often associated with political or religious extremism, these factors are not essential to the definition of the crime itself. Instead, terrorism is typically defined by the violent means and the impact it seeks to achieve.
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Look up the case of Paula Cooper (an Indiana case). In detail and in your own words (if this assignment is cut and pasted, a grade of zero will be given for this section), Paula Cooper's life. This should include her birth, childhood, her crime/s, her trial, and the outcome/s after she became an adult. There are numerous articles about Miss Cooper and your research should contain a significant amount of detail. A minimum of 25 sentences is required for this section for full credit.
Paula Cooper was born on November 6, 1965, in Gary, Indiana, to parents who were both alcoholics. Her father was physically abusive, and her mother often neglected her and her siblings. Paula's early years were marked by poverty and instability, and she spent much of her childhood in and out of foster care. At the age of nine, she ingested a bottle of aspirin, and at thirteen, she dropped out of school.
In May 1985, when Paula was just fifteen years old, she and three other teenage girls broke into the home of Ruth Pelke, an elderly Bible teacher, with the intention of robbing her. During the robbery, Paula repeatedly stabbed Pelke with a knife, ultimately killing her. The girls fled the scene with only $10 in cash and Pelke's car, which they later abandoned.
Paula was quickly arrested and charged with murder. Her trial was highly publicized and controversial, with many arguing that her difficult upbringing and mental state at the time of the crime should be taken into account. Despite this, Paula was found guilty and sentenced to death by lethal injection, making her the youngest person on death row in the United States at the time.
The case attracted widespread attention and sparked a nationwide debate about the use of the death penalty for juvenile offenders. Numerous appeals were filed on Paula's behalf, and her sentence was eventually commuted to sixty years in prison. While in prison, Paula became a model inmate, earning her high school diploma and participating in various rehabilitation programs.
In 2013, after serving twenty-eight years in prison, Paula was released on parole. She was able to start a new life, with the help of a nonprofit organization that provided her with housing and job training. She eventually moved to Tennessee and worked as a nursing assistant, but tragically died in May 2018, at the age of fifty-two.
Overall, Paula's life was marked by tragedy and hardship, from her difficult childhood to her eventual imprisonment and release. Her case remains a stark reminder of the complex issues surrounding juvenile crime and punishment in the United States.
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organizations that nominate and seek to elect candidates to government office are known as ______.
Organizations that nominate and seek to elect candidates to government office are known as political parties.
Political parties are organizations that seek to influence and control government policy by nominating and supporting candidates for elected office. Political parties typically have a platform or set of beliefs and values that guide their policies and positions on issues, and they work to mobilize voters and raise funds to support their candidates.
In most democracies, political parties play a critical role in shaping the political landscape and determining who holds power in government. Political parties may have different structures and levels of organization, from grassroots movements to national parties with extensive fundraising and political networks.
In some cases, political parties may also have ideological or cultural affiliations that extend beyond national borders, such as international socialist or conservative parties. Political parties are an important part of modern democratic societies and serve as a mechanism for representing and advocating for diverse interests and viewpoints.
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H is married to W in a community property state. H then saves $5,000 from his earnings and deposits it in a savings account in his name. H withdraws money and buys land, taking title as H and W joint tenants. H dies, devising both his separate and community property to S. Who owns the lot?