5. profitability ratios profitability ratios in the analysis of the combined impact of liquidity ratios, asset management ratios, and debt management ratios on the operating performance of a firm. your boss has asked you to calculate the profitability ratios of st. mcstanky beer co. and make comments on its second-year performance as compared with its first-year performance. the following shows st. mcstanky beer co.’s income statement for the last two years. the company had assets of $8,225 million in the first year and $13,157 million in the second year. common equity was equal to $4,375 million in the first year, and the company distributed 100% of its earnings out as dividends during the first and the second years. in addition, the firm did not issue new stock during either year. st. mcstanky beer co. income statement for the year ending on december 31 (millions of dollars) year 2 year 1 net sales 4,445 3,500 operating costs except depreciation and amortization 1,855 1,723 depreciation and amortization 222 140 total operating costs 2,077 1,863 operating income (or ebit) 2,368 1,637 less: interest 237 172 earnings before taxes (ebt) 2,131 1,465 less: taxes (25%) 533 366 net income 1,598 1,099 calculate the profitability ratios of st. mcstanky beer co. in the following table. convert all calculations to a percentage rounded to two decimal places.

so i don't know what video you're talking about, but here's some stuff steve jobs gave as advice.

- love what you do.

- the worst thing that could happen might turn out to be the best thing that could happen.

- follow your heart and trust it knows where it's going.

answer(b) partnership';

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.