Which of the following is NOT an example of a SMART long-term education or training goal? 1. I want to attend a Big Ten conference school and earn a liberal arts bachelor's degree in four years.
2. In four years, I will earn a bachelor of science degree in marine biology from Oregon State University
3. I will enlist in the U. S. Army and, after completing a three-year training program, will be a qualified helicopter mechanic.
4. I will attend the Culinary Institute of America and, in two years' time, will receive my certification as a pastry chef.

Match the given situations to the type of risks that a business may face while taking credit. 1. beta ltd. had taken a loan from a bank for a period of 15 years, but its sales are gradually showing a decline. 2. alpha ltd. has taken a loan for increasing its production and sales, but it has not conducted any research before making this decision. 3. delphi ltd. has an overseas client. the economy of the client’s country is going through severe recession. 4. delphi ltd. has taken a short-term loan from the bank, but its supply chain logistics are not in place. a. foreign exchange risk b. operational risk c. term of loan risk d. revenue projections risk