Herb and betty cogwell are husband-and-wife owners of a regional chain of restaurants with 108 employees. recently, one of their chefs discovered some spoiled produce that had been delivered by one of the company's regular suppliers. the products were sent only to one restaurant and herb and betty weren't aware of the problem until two customers became ill. why hadn't the chef reported the tainted food? he didn't see any reason for implicating the supplier, and he thought that, with the proper preparation, he could avoid any problems with it. he was, of course, wrong. subsequently, kari, a waitress, overheard herb and betty discussing the problem and was ready to report them to the authorities if they didn't take responsibility for their chef's actions. of all the people involved in this business, who most needs ethics counseling?

answer; i believe the correct answer is (tall); ///good luck

answer utilities; more money you have to pay out ; )

of the three mortgage options that demarco and tanya have to choose from, the balloon payment mortgage would be their best option, over adjustable payment and fixed payment plans.ultimately, the balloon payment plan would save demarco and tanya overall, in interest, would cost less monthly, and they would only have to make these payments for 8 years, opposing to 30 years for adjustable or fixed payment plans. 

overall, demarco and tanya would save $80,811 if they chose balloon payments over fixed payments, and would save $116,711 if they choose balloon payments over adjustable payments. benefits with choosing fixed payments over adjustable payments is that, in the end, the payments will still be $836.30 a month, while with adjustable payments, the initial monthly payments will be $763.38 to $1082.70 a month, ultimately leading to a more costly purchase. benefits with choosing fixed payments over balloon payments are not present. benefits in choosing adjustable payments over is that it has a lower interest rate, and starts with lower monthly payments initially. benefits in choosing adjustable payments over balloon payments include a lower interest rate, and lower initial monthly payments. benefits in choosing balloon payments over fixed payments include lower interest rates, lower overall price, lower monthly payments, takes less time to pay off, and does not require a downpayment. benefits in choosing balloon payments over adjustable payments include, lower monthly payments (when averaged), takes less time to pay off, and lower overall price.

hence, option c, balloon payments, is the best option for demarco and tanya to make this purchase, for it will save them a minimum of $80811, and a maximum of $116,711.