You will always pay less interest with a 15-year mortgage than with a 30-year mortgage, provided that the interest rate is the same for both loans b) With an adjustable rate mortgage, the interest rate always increases after the first five years c) If you refinance your home, the interest rate will remain the same

Kirnon clinic uses client-visits as its measure of activity. during july, the clinic budgeted for 3,250 client-visits, but its actual level of activity was 3,160 client-visits. the clinic has provided the following data concerning the formulas to be used in its budgeting: fixed element per month variable element per client-visitrevenue - $ 39.10personnel expenses $ 35,100 $ 10.30medical supplies 1,100 7.10occupancy expenses 8,100 1.10administrative expenses 5,100 0.20total expenses $ 49,400 $ 18.70the activity variance for net operating income in july would be closest to: