Philbrook is a teacher employed by the ansonia school district. he is a member of the worldwide church of god. his church holds certain holy days, and philbrook has missed 6 school days each year for such holy days. the teachers' union has negotiated a contract that permits the following leaves: 18 days per year for sickness: up to 180 days can be cumulated, 5 days for a family death, 1 day for a wedding, 3 days for national meetings, and 3 days for personal leave. the contract did not allow the use of these days for other reasons. philbrook was fired for having taken unauthorized, unpaid leave for his six holy days. he filed an eeoc complaint. who will win?
a. the school will win, because employees are not allowed personal days for religious holidays.
b. philbrook will win, because the school provided no reasonable accommodation for the holy days.
c. philbrook will win, because federal law allows him to use his sick and personal leave days for any purpose.
d. the school will win, because the contract with the union must be followed

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of the three mortgage options that demarco and tanya have to choose from, the balloon payment mortgage would be their best option, over adjustable payment and fixed payment plans.ultimately, the balloon payment plan would save demarco and tanya overall, in interest, would cost less monthly, and they would only have to make these payments for 8 years, opposing to 30 years for adjustable or fixed payment plans. 

overall, demarco and tanya would save $80,811 if they chose balloon payments over fixed payments, and would save $116,711 if they choose balloon payments over adjustable payments. benefits with choosing fixed payments over adjustable payments is that, in the end, the payments will still be $836.30 a month, while with adjustable payments, the initial monthly payments will be $763.38 to $1082.70 a month, ultimately leading to a more costly purchase. benefits with choosing fixed payments over balloon payments are not present. benefits in choosing adjustable payments over is that it has a lower interest rate, and starts with lower monthly payments initially. benefits in choosing adjustable payments over balloon payments include a lower interest rate, and lower initial monthly payments. benefits in choosing balloon payments over fixed payments include lower interest rates, lower overall price, lower monthly payments, takes less time to pay off, and does not require a downpayment. benefits in choosing balloon payments over adjustable payments include, lower monthly payments (when averaged), takes less time to pay off, and lower overall price.

hence, option c, balloon payments, is the best option for demarco and tanya to make this purchase, for it will save them a minimum of $80811, and a maximum of $116,711.