1. Think about an effective team you have been on. What made it effective? 2. Think about an underperforming team you have been on. Why was it underperforming? 3. Do you agree that team effectiveness should have all three components? If you had to eliminate one of the components, which do you think should be removed? Why? 4. What factors do you think most contribute to process loss in groups you have been in? 5. If you were staffing a team, what would you look for in team members? Why? 6. Which do you feel is more important to team performance, goals and feedback or rewards? Why? 7. Do you think a team contract would improve the effectiveness of teams? Why or why not? 8. Which do you feel is more important to team performance, informational diversity or demographic diversity? Why? Do multicultural teams increase this type of diversity? If so, how?

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.