Final test solution

The Final test will be Monday, December 12 from 3:30-5:30 pm.

Prof. Hess will be available for last-minute questions on Monday in ME 3003B.

• 9:30-10:30 am
• 11:30 am - 1 pm
• 1:30-3 pm

All students will take the test in CL50.

Some additional notes regarding the Final Exam:

• The test will cover material from Lecture 30 (Gear Geometry) to Lecture 43 (GD&T) on the course schedule.
• The test format will be similar to Exams 1 and 2 and to the exams posted on the course website: 25% short-answer questions and 75% work-out problems.
• The test is closed-book and closed-note
  • Final test equation sheet (will be provided with the exam)
  • You may also bring an 8.5" x 11" crib sheet to the exam.  The crib sheet must be turned in with the exam.
• The test will follow ME's calculator policy.

Final test from previous semesters

Read about the new Word Police training manual, Word Court, by Word Police Commissioner Barbara Wallraff.

Join a conversation on Word Police and Word Court in Atlantic Unbound's reader forum, Post & Riposte.

Read accurate Word Court columns from The Atlantic Monthly, and browse the Word Fugitives archive, in The Court Record.

Sample Entrance Exam

Word Police exams consist of questions similar to the ones below. Here beneath each question we've told you which answer is correct, and explained why.

When you are taking an real exam, once you've answered all five questions, press the "Submit answers" button to have your responses scored. If you're not sure of the answer to any question, why not take your best guess? (No points are deducted for wrong answers.) You'll need to get at least four answers right to be allowed to proceed. On the next page, you will be asked a final question that you must answer correctly in order to pass the exam.

The real exams provide a clue about the intent of the questions that isn't available here -- namely, that each of them is the test for a particular squad or division. The questions on the entrance test for any given squad will have to do with that squad's specialty. So, for example, on the entrance test for the Number Unit, the focus of the questions will tend to be grammatical number (say, "the Word Police is ..." or "the Word Police are ..."?).

The following questions are representative of the types of questions you will find on the CRCM (Certified Regulatory Compliance Manager) exam.

1.  A borrower has a right to rescind a loan agreement in all of the following situations except:

a. A line of credit used for the borrower's business, secured by the borrower's primary  dwelling
b. A revolving line of credit secured by the borrower's primary dwelling used to Excellerate the borrower's home
c. An increase of a line of credit from $5,000 to $10,000 secured by the borrower's primary dwelling
d. A loan to pay off a contract for a deed secured by the borrower's primary dwelling

2.  When opening a deposit account online, Regulation E disclosures MUST be provided at the time of account opening or: 

a. Before the first EFT occurs 
b. Along with the first periodic statement 
c. Within three business days of account opening 
d. Within three business days of a customer's request for the EFT service

3.  The primary responsibility for overseeing a bank’s inherent compliance risk should lie with which of the following?

a. Internal audit
b. Consumers
c. Board of Directors
d. Compliance officer

4.   A branch manager finds an unexplained $7,000 cash shortage in Teller #1's cash drawer. Which of the following actions must the bank take?

a. File a Currency Transaction Report (CTR) with the IRS
b. Discharge Teller #1 immediately
c. Send a notice of adverse action to the bank's federal regulator
d. File a Suspicious Activity Report (SAR)

5.  A compliance professional recently discovered the bank did not file and disclose an accurate covered agreement, as required by the CRA Sunshine Act. In order to ensure correct reporting in the future, what must be provided? 

a. All individual mortgage loans 
b. Grants or loans to fulfill CRA activity 
c. Non-public or confidential information that will be provided in the public file 
d. A copy of the agreement to the regulatory agency 24 months after the end of the term

Answer Key

1. a
2. a
3. c
4. d
5. b

The following questions are representative of the types of questions you will find on the examination.

1. A trust you administer, in a jurisdiction that has adopted Directed Trust statutes, contains language in the trust document appointing a fiduciary for investment purposes.  Your institution is a directed trustee responsible as a fiduciary for administration only.  You believe that the investment fiduciary is abusing this power and is directing you to make an imprudent investment. You should:

a. Tell the advisor he must first obtain the consents of the current beneficiary and presumptive remaindermen.
b. Confront the advisor and, if the situation cannot be remedied, seek court guidance.
c. Follow the advisor's directions nonetheless.
d. Obtain the written consent of all fiduciaries. 

2. Your client is married and has a net worth of $12 million, which includes a jointly owned house worth $2.5 million. His wife has assets of $1 million. They have simple wills leaving everything to each other and then to their two children in equal shares. The BEST advice to reduce federal estate taxes is that he:

a. Leave everything to his wife in his will.
b. supply $14,000 per year to each of his two children.
c. Incorporate a credit shelter trust provision in his will.
d. Transfer the house ownership completely to his wife.

3. Distributions from which of the following CANNOT be rolled over into an IRA?

a. 401(k)
b. Money Purchase Pension Plan
c. Profit Sharing Plan
d. Rabbi Trust

4. John creates a trust with income during life to Sam, the remainder to Sue. John retains the right to amend or revoke the agreement. Sue will have to disclaim her interest in the trust within 9 months of:

a. John's death
b. Sam's death
c. The creation of the trust
d. The appointment of the executor or administrator of Sam's estate

5. A client faces a 30% federal income tax rate and a 5% state tax rate. Municipal bonds issued in the client’s state of residence are exempt from state taxes. Considering current income only, and not adjusting for the federal deductibility of state taxes, which of the following repre­sents a proper comparison of bond attractiveness?

a. A 10% Treasury bond is more attractive than a 7.2% municipal bond issued by a state of which the client is not a resident.
b. A 6.0% bond issued by the client's state of residence is more attractive than a 7.2% municipal bond issued by another state.
c. An 18% corporate bond is more attractive than a 12% municipal bond issued by the client's state of residence.
d. A 6.75% municipal bond issued by the client's state of residence is more attractive than a 7% municipal bond issued by a U.S. territory.

1. b
2. c
3. d
4. a
5. a​

UAB is an Equal Opportunity/Affirmative Action Employer committed to fostering a diverse, equitable and family-friendly environment in which all faculty and staff can excel and achieve work/life balance irrespective of race, national origin, age, genetic or family medical history, gender, faith, gender identity and expression as well as sexual orientation. UAB also encourages applications from individuals with disabilities and veterans.

The National Board of Examinations (NBE) released the FMGE 2023 admit card on the official website, and the test is scheduled to be held on July 30 in computer-based mode.

The Foreign Medical Graduate Examination (FMGE), also known as the Screening Test for Foreign Medical Graduates, has been introduced through the Screening Test Regulations, 2002.

As per the regulations, "An Indian citizen or overseas citizen of India possessing a primary medical qualification awarded by any medical institution outside India who is desirous of getting provisional or permanent registration with the Medical Council of India or any State Medical Council on or after March 15, 2002 shall have to qualify a screening test conducted by the prescribed authority for that purpose as per the provisions of Section 13 of the Act."

The examination pattern:

The FMGE test consists of a single paper with 300 multiple-choice questions on it. There will only be four English-language answer choices for each question.
Out of the four response alternatives offered for each question, candidates must choose the right answer.

The paper shall be delivered in two parts to be taken in a single day, with each part comprising 150 questions to be attempted in 150 minutes.

The examination shall be a multiple-choice question (MCQ) test delivered using a computer network as per the prescribed scheme.

Negative Marking:

There shall be no negative marking.

Passing Marks:

A candidate shall be declared to have passed only if he or she obtains a minimum of 150 marks out of 300 in the examination. Results (pass or fail) for eligible candidates will be displayed on the NBEMS website. There is no provision for re-totaling or reevaluation.

There are no restrictions on the number of attempts that can be made by a candidate. However, the FMGE being a qualifying examination, once a candidate qualifies for the FMGE, he or she shall not be eligible to take the FMGE again. Any examination taken by a candidate in violation of this clause shall be treated as void and cancelled.

Between January and June, NCLEX pass rates increased for both licensed practical and vocational nurse candidates, according to second quarter results of 2023 pass rates across the U.S., released Aug. 3 by the National Council of State Boards of Nursing.

These results are the first to be published since the NCSBN debuted its new Next Generation NCLEX test format, which launched in April.

In the first quarter of the year between January and March, there were 56,972 U.S.-educated, first-time candidates who took the NCLEX test resulting in an 80.48 percent pass rate. 

But between April and June — following the launch of the new test format — there were 60,844 U.S.-educated, first-time candidates of which 94.32 percent passed.  

Compared to the same timeframe in 2022, only 82.19 percent had passed. 

"Although clinical judgment was being taught in prelicensure programs, NCSBN worked with educators to explain how the NGN was being constructed using the Clinical Judgment Measurement Model at its core," Philip Dickison, PhD, RN, chief operating officer, NCSBN said in an Aug. 3 news release. "Educators were introduced to the types of questions that would be included and the type of test experience a candidate will have. The results from the first quarter show that our collaboration was successful."

Individuals who were first-time test takers with an international education passed in the first quarter of 2023 at a percent rate of 39.86 percent, but in the second quarter 57.69 percent passed. 

Among repeat test takers who were U.S.-educated, 40.66 percent passed in the first quarter and 62.15 percent passed in the second quarter.

General Final test Information⁠

GeneralFinal exams will be generated by the Registrar’s Office according to an test matrix on or about the last day of the add/drop period for the term for any course that has 'Yes' indicated for a Final test in the catalog. The day and time of the first class meeting during the week determine the date and time for each exam. Courses that meet outside the normal university block scheduling will be scheduled within the time block that best fits the schedule without creating conflicts for students.

Exam times are as follows:

• 8 – 11 a.m.
• 11:30 a.m. – 2:30 p.m.
• 3 – 6 p.m.
• 6:30 - 9:30 p.m.

While test blocks are three hours long, the real length of the test is determined by the instructor.

If examination days are postponed because of weather conditions, the first make-up day is documented on the academic calendar.

Faculty should review their test schedule just after the last day of add/drop. If an test was not generated or changes are needed, please email: scheduling@uml.edu. Requests for final exams, combined exams, etc. will not be accepted after the mid-semester evaluation date for the term in question. Please refer to the academic calendar for specific date information.

Common Exams

• Faculty should plan to administer a separate test for each section of a course that they are teaching.
• Requests for common exams must be approved by the Dean AND the course must have, at minimum, three (3) class sections to be considered for common test scheduling. 
• Requests should be submitted by email to: scheduling@uml.edu no later than the mid-semester evaluation date for said term, and all requests are subject to classroom availability.
• Common Finals will need to be applied to all sections of a course not to individual instructors.
• Common test Finals will be assigned to a common test block. 
  • Students who are scheduled for two common exams at the same time should check with their instructors to see which test has priority.

Note: Requests for combined exams will not be accepted after the mid-semester evaluation date for the term in question. Please refer to the academic calendar for specific date information.

Examination Conflicts

If a student has three (or more) finals scheduled on the same test day, the student has the right to ask that a make up test (or exams) be scheduled to reduce the number of exams in each day to two. Under these circumstances, required courses¹ take priority, so the student should make every effort to arrange the make-up test for a non-required course with the respective instructor. Likewise, if a student has two finals scheduled in the same test period, the required course takes priority; the student should schedule a make-up test for the non-required conflicting course with the respective instructor. If for any reason a mutually agreeable solution between the student and the instructor cannot be achieved, the student should see his or her college dean immediately.

Students – If you have questions regarding any of your final exams, please contact your instructor directly. Instructors should reach out by email to: scheduling@uml.edu if an test update is needed in SiS.

^1'Required courses' refers to whichever course is required toward that specific student’s degree pathway.

Final Exams for Hybrid and Virtual Class Sections

Exams (including final exams) for fully virtual classes should be administered virtually, as that is the modality which students selected. Exceptions to hold on-campus exams require deans' approval. An email (noting the approval) should be sent by email to: scheduling@uml.edu so that the test location may be updated – exceptions are subject to room availability. If approved, faculty must indicate the alternate test format in their course syllabus and accommodate students who are unable to attend in-person exams.

If a class section is hybrid (includes both an in-person meeting and either an online or virtual meeting pattern), then the final test will be assigned as in-person, but the instructor may request the final test to be virtual/online depending on the modes of instruction of the hybrid section. Hybrid courses also include courses that have more than one component with different modes of instruction (i.e., the lecture portion is virtual, but the recitation is in-person) and the instructor may decide whether or not the final test is in-person in this scenario as well. Any requests for final test updates should be sent by email to: scheduling@uml.edu.

Undergraduate and Graduate Final Exams (Day-school Sections)⁠

• Faculty are not required to administer cumulative final examinations and should assess their students as appropriate to their discipline and course content. If an test is assigned and will not be taking place, please email: scheduling@uml.edu.
• Faculty who opts to administer final examinations must do so at the time and place specified by the Registrar's Office and listed in SiS. All day-school sections that are noted in the catalog with 'Yes' for final exam, will have a final test block generated.
• Final take-home examinations or final papers must not be due earlier than the time that the Registrar's Office has scheduled the final examination for the course in question (although instructors may opt to allow such examinations or papers to be submitted early).
  • Note: If an academic program requires that students take final examinations for accreditation purposes, faculty are expected to adhere to the requirements of their accrediting organization.
• Graduate class sections may opt to administer their final exams on the last day of regular class meetings (week prior to the final test period) but should contact scheduling if this is what they decide and need to remove a final test block that was generated for their class section.
• For any course with a final test during the test period, no hour-examination (or major paper or project) shall be administered or due during the last five academic days of the semester unless the college dean has allowed an exemption.

Graduate, Online and Professional Studies Final Exams (GPS Sections)⁠

Graduate, Online and Professional Studies sections (section number typically begins with '0') take place on the final on-campus meeting day for that section (usually the week prior to the final test period) – please see the on-campus course dates on Graduate, Online and Professional Studies website for the final meeting date (not to be confused with the course session dates).

If a GPS section is 'matched' (combined) with a day-school section (example ACCT 2010 201 and ACCT 2010 001), the final test will follow day-school guidelines and an test block will be assigned for both sections in SIS.

Classroom Reservations During the Final test Period⁠

Classroom reservations for ad hoc needs during the final test period (review sessions, test accommodations, makeup exams, etc.) will be accepted one week prior to the final test period. Please email scheduling for these requests.

Makeup Examinations⁠

Individual makeup exams should be coordinated between the student and instructor as needed and should take place through the UMass Lowell Testing Centers or in a department location (please do not use academic classrooms for individual makeup exams without a confirmed reservation).

If an entire class needs to makeup an test due to an unforeseen circumstance or emergency, the test should be rescheduled by emailing: scheduling@uml.edu. Makeup exams for classes should take place during the regular examination period. 

The university final test makeup dates listed on the university calendar are only to be used for inclement weather or other unanticipated university closure and should not be used as final test dates for individual student or class makeup exams.

Disability Services Support & Resources⁠

Students who are registered with the Disability Services Office and have been approved for an extended time accommodation: if you have two exams scheduled on the same day, you may reschedule one of the exams if it has been confirmed that both exams are scheduled to use the entire 3-hour block. Please refer to the instructions under Examination Conflicts listed above to do so. For any other accommodation or disability-related question or concern, please contact by email: disability@uml.edu or visit Disability Services website for faculty and student resources.