1. Briefly describe and then determine the approximate percentage appreciation or depreciation of the NASDAQ Composite, Dow Jones Industrial Average, and the S&P 500 for the last 12 months and for year-to-date and provide these figures. Clearly note if the change represents appreciation or depreciation percentage change for the time periods

2. Describe the trend of interest rates over the last 3 years. This may require online research

3. Give your best educated estimate of where interests rates are headed over the next year and justify your answer. There is no right or wrong answer to this estimate, but I will carefully review the justification or you prediction

4. Because so many loan products are based upon the Prime Interest Rate, describe it and provide the current Prime Interest Rate