Matt owns a car dealership that is very profitable. since he plans to retire in 5-10 years, matt has decided to retain ownership for now, but without continuing to grow the business. this change would also allow him to invest for retirement some of the cash that the business is now generating. which harvesting method does this example illustrate?

Tracey is a financial planner who received his cfp designation. tracey does not have any other designations or licenses. although tracey's expertise is investment planning, he is anxious to expand his client base and is willing to assist clients with any area of financial planning. over the last month tracey engaged in the following activities with troy, a new client. a. during the initial meeting, tracey collected personal data about troy including the estate planning documents troy had previously executed. b. during the second meeting, tracey recommended the use of a trust to fulfill some of troy's estate planning goals. c. troy called tracey one afternoon and asked if tracey could explain the probate process to him, which tracey promptly did. d. tracey downloaded a copy of a generic will from the internet, filled in troy's information and gave the document to troy to be executed. of the activities above, which would be considered the unauthorized practice of law?

Aresearcher is studying women recently admitted to a state prison. all potential subjects must have children under the age of five. research subjects will be given a basket of toys to use at their children’s first visit that the children can then take home. in assessing this proposal, the irb needs to determine that the toys are: age appropriate. not an excessive incentive. educational. of high quality.

Which three sentences in the story indicate that that the passage is an ex nihilo type of creation story?