Jennifer and Rafael happen to walk in to a large company at the same time to apply for an advertised position as an accounting clerk. The Human Resource (HR) professional responsible for selecting the best candidate for the position orders an appropriate test of basic mathematical skills for each of these applicants. Based on their scores, the HR professional chooses Jennifer for the job. The reason for this choice is a determination that Jennifer has an 85% chance of performing at an acceptable level. By contrast, Rafael's score indicated that he had only a 50% chance of performing successfully. The tool of assessment used to make this hiring decision MOST probably was

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Secured loans are protected by collateral security. examples: title loans where the borrower uses the car title as collateral security interest rates are lower and repayments are longer therefore risk is low as a collateral security is given as guarantee to the bank in case of failure to pay the loanunsecured loans are not protected by collateral security but it is given on the creditworthiness of the borrower, trusting that she/he will pay on time. examples; payday loans is a short term loan where the borrower lends money from the bank and pays is back when the borrower receives his/her wages.interest rates are high and repayments are shorter. but the risk is high as no collateral security is given as a guarantee to the bank for payment of the loan

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