Two consumer market trends that disney has identified in the last two decades are "higher taste points" (e. g., faster roller coasters) and "shorter family vacations". in which aspect of disney's marketing environment do these trends reside?

Aborrower takes out a 30-year adjustable rate mortgage loan for $200,000 with monthly payments. the first two years of the loan have a "teaser" rate of 4%, after that, the rate can reset with a 5% annual payment cap. on the reset date, the composite rate is 6%. what would the year 3 monthly payment be?