1. Manuel's health insurance includes a $500 deductible and 80/20 coinsurance on all services that are not preventable. Manuel visited the doctor for a sore throat on January 1st. The bill was $40. How much will Manuel pay for the visit?
2. What are the differences between a CDS contract and a conventional insurance contract?
3. If the return on your common stock investment is on average 15.3% and the return on Treasury bills was 4% over the same period of time, what is the risk premium that you earned.