Suppose the risk-free rate is 3.5%; on average, an aaa-rated corporate bond carries a credit spread of 0.3%, an a-rated corporate bond carries a credit spread of 1.1%, and a b-rated corporate bond carries a credit spread of 3.9%. company xyz’s outstanding debt is rated bbb by rating agencies. what would be the cost of debt for xyz based on prevailing market rates?

The advantage of administering personality tests on employees is that it will allow the employer to know the mindset and personality of the employee. this will allow the employer to at least have an idea as to how the employee works and how his attitude in the workplace. the disadvantage is that it may make the employee a little anxious as to whether he would meet the personality requirements of the employer and whether he would be able to retain the job or not. 

Well caramel tastes great with apples.  peanut butter tastes great with apples.  but if i had to choose one, i would say caramel is an important ingredient.  hope this ! -twix