CHAPTER ELEVEN
1. ________________refers to the nonspecific response of the body to any demand made upon it.
a. Stress  b. Stimulus c. Perception d. Fatigue

2. _____________, which are events that require changes in normal patterns of behavior
often cause stress.
a. Political elections  b. Sporting activities
c. Routine and habits  d. Crises

3. The ABCD-XYZ Resource Management Model shows that _________  cannot be studied in isolation; _________________ are part of an interactive system involving individuals and families in a larger environmental context.
a. stress and stressors b. love c. outsourcing d. work

4. In the Social Readjustment Scale developed by Holmes and Rahe, substantial stress pileup can increase the incidence of:
a. alcoholism. b. illness. c. drug addiction. d. suicide.

5. The ABCD-XYZ Resource Management Model of Crisis/Stress developed by David Dollahite emphasizes how individual and family decision making, adaptive coping, and can be activated to lessen the impact of crisis/stress situations.
a. management behavior  b. exercise c. better nutrition d. communication

6. A __________ is a combination of habit and everyday expectations mixed with an appropriate amount of adventure and novelty.
a. domino effect  b. dopIer zone c comfort zone d. circadian rhythm

7. Internal stress originates:
a. in one's own mind and body. b. from lifetime trauma stress.
c. from acute major stress. d. in ongoing, role-related stress.

8. Perhaps Hans Seyle's greatest contribution was in showing that  there are two kinds of stress. Beneficial stress is called:
a. distress b. eustress c. prostress d. type A stress

9. _____________ describes people who have a sense of control over  their lives; are committed to self, work, relationships, and other values; and do not fear change.
a. Cognitive strength b. Emotive ability c. Psychological hardiness d. Reactivity

10. ___________________ are anticipated, predictable developmental changes that occur  at certain life intervals.
a. Nonnormative stressor events  b. Normative stressor events c. Crises d. Paratopics

11. The theory of adaptive range suggests that some level of change is:
a. vital to everyone's health and well-being. b. disconcerting and difficult to manage.
c. harmful and damaging. d. both b and c are correct.

12. In 1932, Walter Cannon of Harvard Medical School coined the  phrase ___________ to refer to the alerted condition of the body as it quickly  prepares for physical battle or energetic flight to escape a situation.
a. terror or fight  b. stick to your guns c. punch or race d. fight or flight syndrome

13. Regarding the body's response to stress, which of the  following statements is incorrect?
a. When a person's body experiences stress, an alarm reaction takes place first.
b. After the brain is alerted, a chain of events ensues as both  hormones and nerves bring about a state of readiness.
c. A threatened or alerted individual will experience relaxed muscles and dry hands.
d. The third stage of the stress reaction is the exhaustion stage.

14. Consumers should know that the best nutritional preparation  for stress is a lifestyle that  includes:
a. a balanced and varied diet.  b. regular exercise.
c. megadoses of vitamins C and E d. a and b are both correct

15. Moderate exercise has been shown to reduce stress because it raises the level of__________ chemicals in the brain associated with pain relief, which has a positive effect on mood and behavior.
a. alpha blockers  b. beta endorphins  c. LDL d. HOL

16. According to the textbook, which of the following statements  is correct about stress management?
a. Men experience stress more often than women.
b. Men are more likely than women to seek help with stress reduction.
c. Evidence suggests that stress relief and social support can prolong life.
d. A man's blood pressure lessens in response to stress compared to a womans

17. _______________ are characterized by excessively striving behavior, high job involvement, impatience, competitiveness, desire for control and power, aggressiveness, and hostility.
a. Type A persons b. Type B persons c. Type C persons d. Type D persons

18 Which of the following statements is false about Type A persons?
a. They lack a sense of time urgency and impatience. b. They lack goals and ambition.
c. They can relax without guilt.     d. They are more cooperative with others.

19. According to Hans Seyle, work is a biological necessity. He wrote that the principal aim should not be to avoid work but to find the kind of occupation which, for you, is:
a. play. b. well-paid. c. challenging. d. difficult.

20. In resource management, brought about by unrelieved stress. refers to emotional or physical exhaustion
a. depression b. saturation  c. burnout d. hysteria

21 Which of the following statements is false?
a. Children experience stress.
b. A study found that the Americans mostbetween the ages of 30 and 40
c. Boredom and school burnout are often
d. Fatigue and stress are the same thing.

22. ___________ is the feeling to stop, rest, or sleep.
a. Stress  b. Fatigue c. Fatalism d. Saturation

23. _________ occur(s) when the sleeper is in a light sleep; most dreams happen during this stage.
a. REM or rapid eye movement sleep  b. NREM or non-rapid eye movement sleep
c Biorhythms     d Twilight sleep

CHAPTER TWELVE
1.The "Rs" in the 3-Rs solution includes all of the following except:
a. reducing  b. reusing c. redesigning d. recycling

2. ________________________ Harvard paleontologist, said that humans  are by nature selfish and  aggressive, yet any successful civilization demands that we suppress our biological  inclinations and act altruistically for common good  and harmony.
a. Sigmund Freud  b. Stephen I Gould  c. J. Lovelock d. Mary Evans Stephenson

3. According to the best current estimates, the human species,  Homo sapiens, is 250,000 years old, and the earth is __________ years old.
a. 12 million  b. 250 million c. 1 billion d. 45billion

4 Which of the following statements or definitions is incorrect?
a. Ecology is the study of how living things relate to their natural environment.
b. An ecosystem is the subsystem of human ecology that emphasizes
the relationship between organisms and their environment.
c. The place where an organism lives is its habitat.
d. Abuse of the environment is called environmentalism.

5. Physical environmental resources include:
a. natural tangible surroundings (e.g., trees, soil, ocean)
b. less tangible surroundings (e.g., air, sound, light)
c. an array of societies, economics and political groups
d. both a and b are correct

6. ____________________ occurs when an individual or a family  perceives a significant difference between their lifestyle and some desired or ideal lifestyle.
a. Ecoconsciousness b. Conservation c. Problem recognition d. Atrophy

7. In ______________,the individual realizes that she or he may have limited or no access to a product, service or condition.
a. need recognition  b. opportunity recognition c. resource recognition d. values recognition

8. ___________ has been called the ultimate renewable resource (meaning it is essentially unlimited) because technologies are constantly being devised to transmit, collect, store, process, package, and display it.
a. Information  b. Food c. Electricity d. Energy

9. One of the chief causes of species extinction is the __________________
a. loss of habitat.  b. lack of safe water.
c. hunting by humans. d. failure to reproduce.

10. ______________ are systems of morals, principles, values, or good conduct.
a. Attitudes b. Ethics  c. Decisions d. Goals

11. Consumption and disposal practices of individuals and families as well as those of businesses and industry contribute to _______________________ (all garbage produced).
a. the waste stream  b. pollution c. ash d. particulate matter

12. ___________ is a general term referring to undesirable changes in  physical, chemical, or biological characteristics of air, land, or water that can  harm the health, activities, or survival of living organisms.
a. The waste stream  b. Pollution c. Ash d. Particulate matter

13. According to the Environmental Protection Agency (EPA), approximately ________ water contaminants have been identified, and more than 100 of these are regulated.
a. 300  b. 1000  c. 10,000  d. 50,000

14. The five main types of contaminants in the U.S. water supply  are chlorinated solvents, trialomethanes, PCBs, pathogenic bacteria and viruses, and ___________
a. sulphur  b. bromine  c. lead  d. mercury

15. In the average household, _______________ account for 35-45  percent of the water used.
a. showers and baths  b. drinking and cooking c. dishwashing and clotheswashing d. toilets

16. Estimated per capita in-house water use ranges __________ from per day.
a. 1-2 gallons  b. 20-100 gallons c. 110-150 gallons d. 180-200 gallons

17. To conserve household water use, individuals and families should not do which of the following?
a. fix leaky faucets and toilets
b. use a hose to wash the car rather than buckets of water
c. landscape with native plants
d. run full loads in the washing machine and dishwasher

______________ are the remains of dead vegetation, such as coal, oil and natural gas, that can be burned to release energy.
a. Fossil fuels  b. Compost heaps c. Sludge d. Peat bogs

19. In the United States, most electricity is generated by:
a. nuclear fusion reactors.  b. solar batteries. c. geothermal power stations. d. burning coal.

20. About 40 to 60 percent of household energy goes to:
a. water heating. b. lighting. c. space heating and cooling. d. electrical appliances.

21. The the R-value (R stands for resistance), the higher the insulation properties
a. higher b. lower  c. steadier  d. none of the above is correct

22. The intensity, or loudness, of sound is the amount of acoustic energy transmitted through the air; it is measured in
a. amps  b. decibels c. bytes  d. watts

23. _____________ is a naturally occurring gaseous by-product of the  uranium in the earth that can enter a house through holes and cracks in the  foundation, through cinder blocks or loose-fitting pipes, floor drains or buildings.
a. Lithium  b. Rhenium  c. Palladium d. Radon

CHAPTER THIRTEEN
1. _____________ is the science or practice of managing money or  other assets.
a. Financial management  b. Budgeting c. Accounting d. Fiscal responsibility

2. A is a spending plan or guide.
a. tax return b. annuity c. budget d. checking account

3. Households are both labor-intensive and highly productive.  Nevertheless, household production is not included in the ______________, which is the  total market value of all goods and services produced by a nation usually in one year.
a. national debt  b. gross domestic product (GDP)
c. importlexport ratio  d. national income

4. ___________ is the amount of take-home pay left after all deductions are withheld for benefits, taxes, contributions, and so on.
a. Discretionary income b. Disposable income c. Gross income d. Psychic income

5. _________________ refers to one's perception or feelings about  income; the satisfaction derived from income.
a. Discretionary income b. Disposable income
c. Gross income  d. Psychic income

6. Net worth is determined by:
a. adding what is owed (liabilities) to what is owned (assets).
b. subtracting what is owed (liabilities) from what is owned (assets)
c. subtracting what is owned (assets) from what is owed (liabilities)
d. none of the above is correct

7, Generally, people in the United States save about _______  percent of their income
a 4-5  b 17  c 25 d 40

8 Managing _______ is one of the biggest financial management  problems that many individuals and families have.
a. medical co-payments b. mutual funds c. college loans d. credit

9 The textbook advises that one can reduce the chances of credit  mismanagement by doing all of the following except:
a. Use many cards.
b. Pay off credit cards in full each month.
c. Seek cards with the lowest annual percentage rates and no  additional fees
d Use cash for daily, small expenses

10. Under the ___________________, individuals who are denied  credit, insurance or employment because of their credit report have the right to obtain a free copy of their report within 30 days of denial.
a. Equal Credit Opportunity Act b. Fair Credit Reporting Act
c. Stiveson-Kennedy Credit Act d. Purnell Act

11. _____________ refers to the speed and ease of retrieving cash or  turning another type of investment into cash.
a. Transferability b. Diversity c. Liquidity d. Provisitory

12. ___________are shares of ownership in a company (i.e., Microsoft, IBM, Coca-Cola).
a. Stocks  b Mutual funds c. Bonds d. Partnerships

13. The purpose of ___________ is to protect financial assets.
a. mutual funds b cash asset accounts c NOW accounts d. insurance

14. Although there is a range, the average cost of raising a  child, not including college expenses, is often said to be about __________
a. $50,000  b. $100,000 c. $300,000 d. $500,000

15. Readiness to handle money varies from child to child, but  usually comes amund the ages of:
a. three or four.  b. five or six. c. seven or eight. d. thirteen or fourteen.

16. According to Virginia Junk, Laurie Stenberg, and Carol Anderson, the goal of financial retirement is to provide enough income in retirement to:
a. cover travel and trust funds.
b. prevent living standards from dropping significantly from pre-retirement levels.
c. prevent disaster, take care of crises.
d. cover nursing home and health care costs.

17. Individuals who provide assistance to their parents while also  providing financial support to their children are known as:
a. the sandwich generation.  b. Generation X. c. Generation V. d. the baby boomers.

18. ______________ is a moderate and temporary decline in the  economy.
a. A recession  b. A depression c. Inflation d. Unemployment

19 Which of the following statements about college students and money is false?
a. Two-thirds of college students have credit cards.
b. During hard economic times, more students may consider living getting paid intemships.
c. Few college students work while going to school.
d. According to U.S. Dept. of Commerce data, education does  provide an economic return in that most degrees beyond high school will result in  higher income.

20. The _______ is the difference in earning between men and women employed full-time outside the home.
a. glass ceiling  b. gender gap c. poverty d. feminist gap

21. On average, ________ of the typical U.S. family's income goes to paying federal state, and local taxes.
a. 1/10th
b. 1/4th
C. 1/3rd
d. 1/2

22. A term that means rising prices is
a. capital  b. inflation c. debenture d. deflation

CHAPTER FOURTEEN

1. _______________ is the ability to accept and work with change for  the betterment of self and humankind.
a. Managerial judgment b. Humanity c. Affection d. Altruism

2. The ultimate goal of the manager today is:
a. to make more money.  b. to have more comfort.
c. to create a better tomorrow. d. to live a long and happy life

3. _______ is the application of the scientific method and materials to achieve objectives.
a. History b. Technology c. Engineering   d. Efficiency

4. Which of the following was true before 1940 in the U.S.?
a. More than half of the population stilt lived on farms.
b. On farms, more than half had electricity and a flush toilet.
c. More than half of the households did not have a refrigerator, dryer, or dishwasher.
d. Almost everyone had central heating.

5. In the textbook, there were several predictions for the 21st  century. Which of the following was not one of the trends mentioned?
a. Medical advances
b. More space travel
c. Increased understanding of human genetic codes
d. Larger, slower, more expensive computers

6. The supply of electricity will become more efficient in the  21st century due to advances in _____________ or the conducting of electricity with almost no power loss.
a. superconductivity  b. radioactivity  c. radar  d. circuitry

7. Researchers in consumer behavior have found that the adoption of innovations follows a
a. straight line  b. bell-shaped curve  c. diagonal line d. sliding scale

8. A ___________ refers to the process by which an individual or  team tackles a problem by jumping ahead to radically innovative solutions rather than  taking a gradual step-by-step approach.
a. majority shift   b. laggard shift  c. paradigm shift d. mission-based shift

9. According to a diagram in the textbook by Kate Mullen of  Harvard University, there are four interrelated concepts regarding how people follow a pattern in mastering new technology: wisdom, knowledge, information, and data. These are  not in the correct order. If you unscramble the list, which of these four concepts  should come last?
a. knowledge  b. information c. data d. wisdom

10. The rapid advances in technology are also leading to ___________, which is the "users response to the ever increasing pace of information, knowledge,  and innovations that are appearing on this earth."
a. burnout  b. innovation overload  c. stress d. chronic fatigue

11. Which of the following statements regarding family and global change is incorrect?
a. Life expectancy is over 90 years for men and women compared to just 35 years in1776.
b. The world population is about 6 billion.
c. According to a Roper opinion poll, "the family is back and determined."
d. According to a Roper opinion poll, "the average size family will be smaller than in previous generations.

12. _____________ is predicted to be the largest city in the world in the year 2000.
a. New York  b. London  c. Hong Kong  d. Mexico City

13. The _____________ means that each unit of saved time is more  valuable than the last unit. Therefore, time is becoming increasingly valuable. This  term also refers to a faster pace.
a. acceleration effect  b. dopIer effect  c. efficiency quotient  d. utility function

14.___________ is the level of satisfaction with one's relationships  and surroundings, or more simply people's well being.
a. Human capital  b. Quality of life  c. Contentment d. Happiness

15. Which of the following is not one of the four conventionally discussed dimensions of well-being according to the textbook?
a. literacy  b. social  c. physical  d. economic

16. A more expansive world view has helped to foster ______________, or the expression by ethnic groups of their cultural heritage.
a. assimilation  b. acculturation  c. multiculturalism d. group separatism

17. Because _________ has two official languages (French and English), it is one of the world's leaders in multicultural research and government policy.
a. France b. Canada c. Mali d. Iceland

18. According to the textbook, which of the following is true about environmentalism?
a. Everyone in the world has too many material Things.
b. The more is better approach is being re-considered.
c. Overloaded stores are only in the U.S.
d. The planet is becoming less crowded due to zero population growth.

19. In the eighteenth century, ____________ predicted that the world's population would outgrow the food supply. He did not, however, anticipate the advances in agriculture that have occurred.
a. Henry Gibbons  b. Sigfried Gideon  c. Adam Smith d. Thomas Malthus

20. ______________ are "blueprints that researchers use to  investigate the development of an individual animal or plant from fertilization to maturity.
a. Genome maps b. Gene pools c. Agricultural experiments d. Acceleration effects

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