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Name: Class: Date:
Chapter 07 - Independent Living

1. A lease is a written agreement between a bank and a borrower.
a. True
b. False
ANSWER: False
RATIONALE: It is a written agreement between a landlord and a tenant.
POINTS: 1
QUESTION TYPE: True / False
HAS VARIABLES: False
DATE CREATED: 2/1/2017 10:39 AM
DATE MODIFIED: 2/16/2017 4:35 AM
2. The length of a room is 21 feet. If a floor plan has a scale of , then the length of the room on a floor
plan is 5.25 inches.
a. True
b. False
ANSWER: True
RATIONALE: 2x = 21(0.5) and x = 5.25
POINTS: 1
3. According to financial experts, a renter should allow no more than 25% of his or her gross income for rent.
a. True
b. False
ANSWER: False
RATIONALE: Rent should be no more than 30% of gross income.
POINTS: 1
4. A security deposit is used by a landlord to provide protection for the tenants.

a. True
b. False
ANSWER: False
RATIONALE: It is protection for the landlord in the event that the tenant damages the property.
POINTS: 1
Copyright Cengage Learning. Powered by Cognero. Page 1
Name: Class: Date:

5. Front-end ratio is the ratio of monthly housing expenses to all expenses.

a. True
b. False
ANSWER: False
RATIONALE: It is the ratio of monthly expenses to monthly gross income.
POINTS: 1
6. Aja made a 20% down payment on a house and was approved for a $185,000 mortgage. Therefore, she should expect
her closing costs to be about $3,700 to $12,950.
a. True
b. False
ANSWER: True
RATIONALE: 185,000 × 0.02 = 3,700 and 185,000 × 0.07 = 12,950.
POINTS: 1
7. Nathan’s bedroom has a width of 13 feet, a height of 9 feet, and a length of 14 feet. The level of insulation, i, is 10 and
the exposure, e, is 18 because the outside wall faces south. For this room, Nathan should purchase an air conditioner with
a BTU rating of about 5,000 BTUs.
a. True
b. False
ANSWER: True
RATIONALE: BTU rating = (while) ÷ 60
POINTS: 1
8. The Jacksons sublet their summer cottage during the winter and spring months. For each month they receive 72% of
their monthly mortgage of $1,750. The Jacksons earn $1,260 for the six-month period.
a. True
b. False
ANSWER: False
Name: Class: Date:
RATIONALE: The amount should be $1,260 times 6 or $7,560.

POINTS: 1
9. Apple-Gate apartment complex uses the line graph of an exponential regression equation to model their rent increases
over the past 5 years as compared to other complexes in the neighborhood. The Apple-Gate rent increases are less than
other complexes in the area; therefore the slope of their graph should be steeper.
a. True
b. False
ANSWER: False
RATIONALE: A steeper slope implies a greater increase over time, so the line of the Apple-Gate graph
should not be as steep as the other apartment complexes.
POINTS: 1
10. How is a condominium different than a single-family dwelling?

a. Occupants pay rent to the landlord who owns the property.
b. Occupants are investors who own shares in the entire property and not individual units.
c. Occupants individually own both the home and the land.
d. Occupants jointly own the common parts of the property and individually own their own units.
ANSWER: d
POINTS: 1
QUESTION TYPE: Multiple Choice
11. There are 15,000 shares in Marybeth’s co-op. If Marybeth owns 2% of the cooperative corporation, how many shares
does she own?
a. 400 shares b. 300 shares
c. 200 shares d. 100 shares
ANSWER: b
RATIONALE: 15,000 × 0.02 = 300
POINTS: 1

Name: Class: Date:
12. Natalie just rented an apartment for $900 a month. She was told that the rent will increase 5.5% each year. About how
much will her rent be in 7 years?
a. $1,416 b. $1,308
c. $1,286 d. $1,241
ANSWER: d
RATIONALE:
POINTS: 1
13. The McQuires pay a monthly mortgage payment of $938. They also pay a semi-annual property tax bill of $3,298 and
semi-annual homeowner’s insurance of $840. The property tax and insurance are paid monthly into an escrow account to
their lender. What is their monthly payment to their lender?
a. $1,283.16 b. $1,518.6
c. $1,627.67 d. $1,672.66
ANSWER: c
RATIONALE:
POINTS: 1
14. Zane received a quote to move his belongings to his new house. The estimate from the mover is $675 for 6 hours of
packing and 5 hours of moving. Zane thinks he can reduce his cost by doing some of the packing and moving himself. If
he does, the cost will decrease to $425 for 4 hours of packing and 3 hours of moving. If the mover charges a set hourly
rate for packing and another set hourly rate for moving, what are these hourly rates?
a. Packing: $50; moving: $75 b. Packing: $40; moving: $80
c. Packing: $80; moving: $40 d. Packing: $75; moving: $50
ANSWER: a
RATIONALE: Solve the following system of linear equations.
675 = 6p + 5m
425 = 4p + 3m
POINTS: 1
Name: Class: Date:
15. What is NOT another word for renter?

a. Lessee b. Boarder
c. Tenant d. Landlord
ANSWER: d
POINTS: 1
16. Gretchen is refinishing her gazebo that is in the shape of a regular octagon. The length of one side is 3 feet and the
apothem is 3.5 feet. What is the area that Gretchen will be refinishing?
a. 10.5 sq feet b. 24 sq feet
c. 42 sq feet d. 63 sq feet
ANSWER: c
RATIONALE:
POINTS: 1
17. Kate and Ashton have been approved for a $200,000 15-year mortgage with an APR of 5.5%. How much of their first
monthly payment will go to interest?
a. $1,634.17 b. $1,147.57
c. $916.67 d. $717.50
ANSWER: c
RATIONALE:
POINTS: 1
18. Row 6 of the spreadsheet below will contain the formulas to generate an amortization table. What formula will be
entered into D6?
A B C D E F
1 Principal 175,000
2 Interest Rate as a Percent 6.2
3 Length of Loan 30
4 Number of Yearly Payments 12
5 Payment Number Beginning Monthly Towards Towards Ending
Name: Class: Date:

Balance Payment Interest Principal Balance
6
a. =B6*B2/1200 b. =B6–E6
c. =(B1*(B2/1200)*(1+B2/1200)^(B4*B3))/(1+b\B2/1200)^(B4*B3)–1) d. B1
ANSWER: a
RATIONALE: Interest is calculated by multiplying the balance times the interest rate divided by 1,200.
The 1,200 represents the decimal percent divided by 12 months.
POINTS: 1
19. Angela has a monthly gross income of $3,000 and her expenses are $1,200. What is her back-end ratio?
a. 25% b. 30%
c. 40% d. 45%
ANSWER: c
RATIONALE: 1,200 ÷ 3,000 = 0.4 or 40%
POINTS: 1
20. Jamal has been approved for a $125,000, 30-year mortgage with an APR of 5.3%. He made a 10% down payment and
is closing on April 5th. How much should he expect to pay in prepaid interest at closing?
ANSWER: 125,000 × 0.9 = 112,500 × 0.053 = 5,962.50 ÷ 365 = 16.34 × 25 = $408.50
POINTS: 1
QUESTION TYPE: Subjective Short Answer
21. Ben and Jane have been approved for a $220,000, 30-year mortgage with an APR of 5.82%. What will be their total
interest for the 30 years?
ANSWER: 1,293.66 × 360 = 465,717.60 – 220,000 = $245,717.60
POINTS: 1
22. What is an ARM?

ANSWER: An ARM is an adjustable rate mortgage. In an ARM, the interest rate and monthly payment change
Name: Class: Date:
periodically.
POINTS: 1
23. Nancy is buying a house and made a list of her expenses: mortgage payments, utilities, closing costs, prepaid interest,
origination fee, and insurance payments. Separate each of the six expenses as either a recurring or a non-recurring cost.
ANSWER: Recurring costs: mortgage payments, utilities, insurance payments
Non-recurring costs: closing costs, prepaid interest, origination fee
POINTS: 1
24. Casey has a backyard that is a 50-by-50-foot square. She turned over an irregularly-shaped plot of soil to plant a
garden. To find the area of the garden, 1,500 random points are generated and 420 of the points land inside the irregularly-
shaped garden. What is the area of the garden?
ANSWER: 700 sq feet;
420/1,500 = x/2,500 = 1,050,000 = 1,500x; x = 700
POINTS: 1
25. When Mary and Jack bought their house, their property taxes were $3,630 annually. After 8 years, their property taxes
are now $4,065.60. What percent increase is this?
ANSWER: 12%
POINTS: 1
26. Nina owns a condominium where she paid $2,340 in maintenance fees this year. If her property taxes are 18% of this
amount, how much did Nina pay in property taxes?
ANSWER: $421.20
POINTS: 1

Name: Class: Date:
27. What type of spreadsheet or table shows an accounting of the unpaid principal, monthly payment, amount allocated
toward principal, and the amount allocated towards interest for a mortgage?
ANSWER: An amortization table
POINTS: 1
28. Garrett and Erin are borrowing $170,000 to purchase a new home. They have been approved for a 30-year loan with
an interest rate of 5.75%. What will be their monthly payment?
ANSWER:
$992.07; use the monthly payment formula; .
POINTS: 1
29. Name four types of fees you may incur during the closing on the purchase of a new home.
ANSWER: Sample answers: earnest money deposit, attorney fees, origination fee, title search, points, prepaid
interest, transfer tax
POINTS: 1
30. Craig and Tammy recently sold their home for $225,000. Their loan balance is $135,680. What is their equity before
paying seller’s expenses?
ANSWER: $89,320
POINTS: 1
31. Erica is considering moving into a one-bedroom apartment in Hyde Park. The apartment has a rent of $880 and has the
following fees.
- Application fee: 5% of one month’s rent
Name: Class: Date:

- Credit application fee: $15
- Security deposit: 1 month’s rent
- Lease protection: the last month’s rent
- Broker’s fee: 9% of one year’s rent
- First month’s rent
How much is Erica expected to pay up front in order to move into this apartment?
ANSWER:
POINTS: 1
32. The square footage and monthly rental of 10 similar one-bedroom apartments yield the linear regression y = 0.704x +
985.83 where x represents the square footage of the apartment and y represents the monthly rental price. Grace can afford
$1,700 per month for rent. What size apartment should she be able to rent for that price?
ANSWER:
Grace should expect to find an apartment that is 1,014 square feet.

POINTS: 1
33. A rectangular room measures 21 feet by 28 feet with a 10 -foot -high ceiling. The flooring is being replaced with
carpeting that sells for $10.45 per square foot and entails a $149 installation fee. What is the total pricing for the carpeting
with an 8.0% sales tax?
ANSWER:
POINTS: 1
34. A rectangular room measures 14 feet by 17 feet with a 9 -foot -high ceiling. The room is being painted. Each wall will
be painted with two coats and the ceiling will be painted with one coat. Each gallon of paint covers 350 square feet and
costs $28. What is the total price for paint with an 8.5% sales tax?

Name: Class: Date:
ANSWER:
POINTS: 1
35. Trystan and Kendall have decided to buy a new home that costs $300,000. They want to make a 20% down payment
and finance the rest. Their bank has offered an opportunity to buy down the quoted interest rate of 4.75% by 0.125% per
point purchased. Each point will cost 1% of the amount borrowed. Trystan and Kendall were hoping the interest rate was
no more than 4.5% What will it cost to buy down the quoted interest rate to 4.5%?
ANSWER:
POINTS: 1
36. James and Amy have decided to buy a new home that costs $240,000. They want to make a 20% down payment and
finance the rest over 30 years. Their bank has offered an opportunity to buy down the quoted interest rate of 3.75% by
0.125% per point purchased. Each point will cost 1% of the amount borrowed. James and Amy were hoping the interest
rate was no more than 3.375%. How long will it take for the cost of the points to be recovered by the savings in the
monthly mortgage payment?

Name: Class: Date:
ANSWER:
POINTS: 1
37. Marcus is setting the corner supports for a new deck that measures 15 feet by 20 feet. To ensure that his deck is a
perfect rectangle, he measures the diagonals to make sure they are the same. What length should these diagonals be?
ANSWER:
POINTS: 1
38. Matt just got a great deal on a 5,000 BTU air conditioner and decided to add a family room with an 8-foot ceiling to
the back of his house. If the room faces north and he intends to make sure it is well insulated, how many square feet can
his room be without exceeding the capacity of the air conditioner?
ANSWER:
POINTS: 1
Name: Class: Date:
39. The Bradys have a gross annual income of $175,000 and have been pre-approved for a 30-year mortgage loan at
3.375% as long as the back-end ratio does not exceed 36% The house they want to buy costs $360,000, and they plan to
make a down payment of 20%. Their research shows that the semi-annual property taxes for this house are $3,450. They
have been given a quote from their insurance company of a $1,290 annual premium. The Bradys currently have a $579
monthly car payment and their monthly credit card bills average $2,100. Will the bank agree to finance the Bradys’ dream
home?
ANSWER:
Yes, the bank will finance the Bradys’ dream home.

POINTS: 1

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Most sacred vertue she of all the rest, x
Resembling God in his imperiall might;
Whose soueraine powre is herein most exprest,
That both to good and bad he dealeth right,
And all his workes with Iustice hath bedight.
That powre he also doth to Princes lend,
And makes them like himselfe in glorious sight,
To sit in his owne seate, his cause to end,
And rule his people right, as he doth recommend.
Dread Souerayne Goddesse, that doest highest sit xi

In seate of iudgement, in th’Almighties stead[243],
And with magnificke might and wondrous wit
Doest to thy people righteous doome aread,
That furthest Nations filles with awfull dread,
Pardon the boldnesse of thy basest thrall,
That dare discourse of so diuine a read,
As thy great iustice praysed ouer all:
The instrument whereof loe here thy Artegall[244].
FOOTNOTES:
[238] Proem i 3 prime. 1596
[239] 9 worse and worse 1609
[240] ii 2 at earst] as earst 1611
[241] iv 7 from, 1596, 1609
[242] v 4 foorth 1609
[243] xi 2 stead] place 1596
[244] 9 Arthegall 1609 passim
Cant. I.
Artegall trayn’d in Iustice lore

Irenaes quest pursewed,
He doeth auenge on Sanglier
his Ladies bloud embrewed.
Though vertue then were held in highest price, i

In those old times, of which I doe intreat,
Yet then likewise the wicked seede of vice
Began to spring which shortly grew full great,
And with their boughes the gentle plants did beat.
But euermore some of the vertuous race
Rose vp, inspired with heroicke heat,
That cropt the branches of the sient base,
And with strong hand their fruitfull rancknes did deface.
Such first was Bacchus, that with furious might ii

All th’East before vntam’d did ouerronne,
And wrong repressed, and establisht right,
Which lawlesse men had formerly fordonne.
There Iustice first her princely rule begonne.
Next Hercules his like ensample shewed,
Who all the West with equall conquest wonne,
And monstrous tyrants with his club subdewed;
The club of Iustice dread, with kingly powre endewed.
And such was he, of whom I haue to tell, iii

The Champion of true Iustice Artegall,
Whom (as ye lately mote remember well)
An hard aduenture, which did then befall,
Into redoubted perill forth did call;
That was to succour a distressed Dame,
Whom a strong tyrant did vniustly thrall,
And from the heritage, which she did clame,
Did with strong hand withhold: Grantorto was his name.
Wherefore the Lady, which Irena[245] hight, iv

Did to the Faery Queene her way addresse,
To whom complayning her afflicted plight,
She her besought of gratious redresse.
That soueraine Queene, that mightie Emperesse,
Whose glorie is to aide all suppliants pore,
And of weake Princes to be Patronesse,
Chose Artegall to right her to restore;
For that to her he seem’d best skild in righteous lore.
For Artegall in iustice was vpbrought v

Euen from the cradle of his infancie,
And all the depth of rightfull doome was taught
By faire Astræa, with great industrie,
Whilest here on earth she liued mortallie.
For till the world from his perfection fell
Into all filth and foule iniquitie,
Astræa here mongst earthly men did dwell,
And in the rules of iustice them instructed well.
Whiles through the world she walked in this sort, vi

Vpon a day she found this gentle childe,
Amongst his peres playing his childish sport:
Whom seeing fit, and with no crime defilde,
She did allure with gifts and speaches milde,
To wend with her. So thence him farre she brought
Into a caue from companie exilde,
In which she noursled him, till yeares he raught,
And all the discipline of iustice there him taught.
There she him taught to weigh both right and wrong vii
In equall ballance with due recompence,
And equitie to measure out along,
According to the line of conscience,
When so it needs with rigour to dispence.
Of all the which, for want there of mankind,
She caused him to make experience
Vpon wyld beasts, which she in woods did find,
With wrongfull powre oppressing others of their kind.
Thus she him trayned, and thus she him taught, viii
In all the skill of deeming wrong and right,
Vntill the ripenesse of mans yeares he raught;
That euen wilde beasts did feare his awfull sight,
And men admyr’d his ouerruling might;
Ne any liu’d on ground, that durst withstand
His dreadfull heast, much lesse him match in fight,
Or bide the horror of his wreakfull hand,
When so he list in wrath lift vp his steely brand.
Which steely brand, to make him dreaded more, ix

She gaue vnto him, gotten by her slight
And earnest search, where it was kept in store
In Ioues eternall house, vnwist of wight,
Since he himselfe it vs’d in that great fight
Against the Titans, that whylome rebelled
Gainst highest heauen; Chrysaor it was hight;
Chrysaor that all other swords excelled,
Well prou’d in that same day, when Ioue those Gyants quelled.
For of most perfect metall it was made, x

Tempred with Adamant amongst the same,
And garnisht all with gold vpon the blade
In goodly wise, whereof it tooke his name,
And was of no lesse vertue, then of fame.
For there no substance was so firme and hard,
But it would pierce or cleaue, where so it came;
Ne any armour could his dint out ward,
But wheresoeuer it did light, it throughly shard.
Now when the world with sinne gan to abound, xi

Astræa loathing lenger here to space
Mongst wicked men, in whom no truth she found,
Return’d to heauen, whence she deriu’d her race;
Where she hath now an euerlasting place,
Mongst those twelue signes, which nightly we doe see
The heauens bright-shining baudricke to enchace;
And is the Virgin, sixt in her degree,
And next her selfe her righteous ballance hanging bee.
But when she parted hence, she left her groome xii
An yron man, which did on her attend
Alwayes, to execute her stedfast doome,
And willed him with Artegall to wend,
And doe what euer thing he did intend.
His name was Talus, made of yron mould,
Immoueable, resistlesse, without end.
Who in his hand an yron flale did hould,
With which he thresht out falshood, and did truth vnfould.
He now went with him in this new inquest, xiii

Him for to aide, if aide he chaunst to neede,
Against that cruell Tyrant, which opprest
The faire Irena with his foule misdeede,
And kept the crowne in which she should succeed.
And now together on their way they bin,
When as they saw a Squire in squallid weed,
Lamenting sore his sorowfull sad tyne,
With many bitter teares shed from his blubbred eyne.
To whom as they approched, they espide xiv

A sorie sight, as euer seene with eye;
An headlesse Ladie lying him beside,
In her owne blood all wallow’d wofully,
That her gay clothes did in discolour die.
Much was he moued at that ruefull sight;
And flam’d with zeale of vengeance inwardly,[246]
He askt, who had that Dame so fouly dight;
Or whether his owne hand, or whether other wight?
Ah woe is me, and well away[247] (quoth hee) xv

Bursting forth teares, like springs out of a banke,
That euer I this dismall day did see:
Full farre was I from thinking such a pranke;
Yet litle losse it were, and mickle thanke,
If I should graunt that I haue doen the same,
That I mote drinke the cup, whereof she dranke:
But that I should die guiltie of the blame,
The which another did, who now is fled with shame.
Who was it then (sayd Artegall) that wrought? xvi

And why?[248] doe it declare vnto me trew.
A knight (said he) if knight he may be thought,
That did his hand in Ladies bloud embrew,
And for no cause, but as I shall you shew.
This day as I in solace sate hereby
With a fayre loue, whose losse I now do rew,
There came this knight, hauing in companie
This lucklesse Ladie, which now here doth headlesse lie.
He, whether mine seem’d fayrer in his eye, xvii

Or that he wexed weary of his owne,
Would change with me; but I did it denye;
So did the Ladies both, as may be knowne,
But he, whose spirit was with pride vpblowne,
Would not so rest contented with his right,
But hauing from his courser her downe throwne,
Fro me reft mine away by lawlesse might,
And on his steed her set, to beare her out of sight.
Which when his Ladie saw, she follow’d fast, xviii

And on him catching hold, gan loud to crie
Not so to leaue her, nor away to cast,
But rather of his hand besought to die.
With that his sword he drew all wrathfully,
And at one stroke cropt off her head with scorne,
In that same place, whereas it now doth lie.
So he my loue away with him hath borne,
And left me here, both his and mine owne loue to morne.
Aread (sayd he) which way then did he make? xix

And by what markes may he be knowne againe?
To hope (quoth he) him soone to ouertake,
That hence so long departed, is but vaine:
But yet he pricked ouer yonder plaine,
And as I marked, bore vpon his shield,
By which it’s easie him to know againe,
A broken sword within a bloodie field;
Expressing well his nature, which the same did wield.
No sooner sayd, but streight he after sent xx

His yron page, who him pursew’d so light,
As that it seem’d aboue the ground he went:
For he was swift as swallow in her flight,
And strong as Lyon in his Lordly might.
It was not long, before he ouertooke
Sir Sanglier; (so cleeped was that Knight)
Whom at the first he ghessed by his looke,
And by the other markes, which of his shield he tooke.
He bad him stay, and backe with him retire; xxi

Who full of scorne to be commaunded so,
The Lady to alight did eft require,
Whilest he reformed that vnciuill fo:
And streight at him with all his force did go.
Who mou’d no more therewith, then when a rocke
Is lightly stricken with some stones throw;
But to him leaping, lent him such a knocke,
That on the ground he layd him like a sencelesse blocke.
But ere he could him selfe recure againe, xxii

Him in his iron paw he seized had;
That when he wak’t out of his warelesse paine,
He found him selfe,[249] vnwist, so ill bestad,
That lim he could not wag. Thence he him lad,
Bound like a beast appointed to the stall:
The sight whereof the Lady sore adrad,
And fain’d to fly for feare of being thrall;
But he her quickly stayd, and forst to wend withall.
When to the place they came, where Artegall xxiii

By that same carefull Squire did then abide,
He gently gan him to demaund of all,
That did betwixt him and that Squire betide.
Who with sterne countenance and indignant pride
Did aunswere, that of all he guiltlesse stood,
And his accuser thereuppon defide:
For neither he did shed that Ladies bloud,
Nor tooke away his loue, but his owne proper good.
Well did the Squire perceiue him selfe too weake, xxiv
To aunswere his defiaunce in the field,
And rather chose his challenge off to breake,
Then to approue his right with speare and shield.
And rather guilty chose him selfe to yield.
But Artegall by signes perceiuing plaine,
That he it was not, which that Lady kild,
But that strange Knight, the fairer loue to gaine,
Did cast about by sleight the truth thereout to straine.
And sayd, Now[250] sure this doubtfull causes right xxv

Can hardly but by Sacrament be tride,
Or else by ordele, or by blooddy fight;
That ill perhaps mote fall to either side.
But if ye please, that I your cause decide,
Perhaps I may all further quarrell end,
So ye will sweare my iudgement to abide.
Thereto they both did franckly condiscend,
And to his doome with listfull eares did both attend.
Sith then (sayd he) ye both the dead deny, xxvi

And both the liuing Lady claime your right,
Let both the dead and liuing equally
Deuided be betwixt you here in sight,
And each of either take his share aright.
But looke who does dissent from this my read,
He for a twelue moneths day shall in despight
Beare for his penaunce that same Ladies head;
To witnesse to the world, that she by him is[251] dead.
Well pleased with that doome was Sangliere, xxvii

And offred streight the Lady to be slaine.
But that same Squire, to whom she was more dere,
When as he saw she should be cut in twaine,
Did yield, she rather should with him remaine
Aliue, then to him selfe be shared dead;
And rather then his loue should suffer paine,
He chose with shame to beare that Ladies head.
True loue despiseth shame, when life is cald in dread.
Whom when so willing Artegall perceaued; xxviii

Not so thou Squire, (he sayd) but thine I deeme
The liuing Lady, which from thee he reaued:
For worthy thou of her doest rightly seeme.
And you, Sir Knight, that loue so light esteeme,
As that ye would for little leaue the same,
Take here your owne, that doth you best beseeme,
And with it beare the burden of defame;
Your owne dead Ladies head, to tell abrode your shame.
But Sangliere disdained much his doome, xxix
And sternly gan repine at his beheast;
Ne would for ought obay, as did become,
To beare that Ladies head before his breast.
Vntill that Talus had his pride represt,
And forced him, maulgre, it vp to reare.
Who when he saw it bootelesse to resist,
He tooke it vp, and thence with him did beare,
As rated Spaniell takes his burden vp for feare.
Much did that Squire Sir Artegall adore, xxx

For his great iustice, held in high regard;
And as his Squire him offred euermore
To serue, for want of other meete reward,
And wend with him on his aduenture hard.
But he thereto would by no meanes consent;
But leauing him forth on his iourney far’d:
Ne wight with him but onely Talus went.
They two enough t’encounter an whole Regiment.
FOOTNOTES:
[245] iv 1 Eirena 1596
[246] xiv 7 inwardly: 1609
[247] xv 1 weal-away 1609
[248] xvi 2 why, 1596
[249] xxii 4 selfe 1596, 1609
[250] xxv 1 now 1596
[251] xxvi 9 is] his 1609
Cant. II.
Artegall heares of Florimell,

Does with the Pagan fight:
Him slaies, drownes Lady Munera[252],
Does race her castle quight.
Nought is more honorable to a knight, i

Ne better doth beseeme braue cheualry,
Then to defend the feeble in their right,
And wrong redresse in such as wend awry.
Whilome those great Heroes got thereby
Their greatest glory, for their rightfull deedes,
And place deserued with the Gods on hy.
Herein the noblesse of this knight exceedes,
Who now to perils great for iustice sake proceedes.
To which as he now was vppon the way, ii

He chaunst to meet a Dwarfe in hasty course;
Whom he requir’d his forward hast to stay,
Till he of tidings mote with him discourse.
Loth was the Dwarfe, yet did he stay perforse,
And gan of sundry newes his store to tell,
As[253] to his memory they had recourse:
But chiefely of the fairest Florimell,
How she was found againe, and spousde to Marinell.
For this was Dony, Florimels owne Dwarfe, iii

Whom hauing lost (as ye haue heard whyleare)
And finding in the way the scattred scarfe,
The fortune of her life long time did feare.
But of her health when Artegall did heare,
And safe returne, he was full inly glad,
And askt him where, and when her bridale cheare
Should be solemniz’d: for if time he had,
He would be there, and honor to her spousall ad.
Within three daies (quoth hee[254]) as I do here, iv

It will be at the Castle of the strond;
What time if naught me let, I will be there
To doe her seruice, so as I am bond.
But in my way a little here beyond
A cursed cruell Sarazin doth wonne,
That keepes a Bridges passage by strong hond,
And many errant Knights hath there fordonne;
That makes all men for feare that passage for to shonne.
What mister wight (quoth he) and how far hence v

Is he, that doth to trauellers such harmes?
He is (said he) a man of great defence;
Expert in battell and in deedes of armes;
And more emboldned by the wicked charmes,
With which his daughter doth him still support;
Hauing great Lordships got and goodly farmes,
Through strong oppression of his powre extort;
By which he stil them holds, and keepes with strong effort.
And dayly he his wrongs encreaseth more, vi

For neuer wight he lets to passe that way,[255]
Ouer his Bridge, albee he rich or poore,
But he him makes his passage-penny pay:
Else he doth hold him backe or beat away.
Thereto he hath a groome of euill guize,
Whose scalp is bare, that bondage doth bewray,
Which pols and pils the poore in piteous wize;
But he him selfe vppon the rich doth tyrannize.
His name is hight Pollente, rightly so vii

For that he is so puissant and strong,
That with his powre he all doth ouergo,
And makes them subiect to his mighty wrong;
And some by sleight he eke doth vnderfong.
For on a Bridge he custometh to fight,
Which is but narrow, but exceeding long;
And in the same are many trap fals pight,
Through which the rider downe doth fall through ouersight.[256]
And vnderneath the same a riuer flowes, viii

That is both swift and dangerous deepe withall;
Into the which whom so he ouerthrowes,
All destitute of helpe doth headlong fall,
But he him selfe, through practise vsuall,
Leapes forth into the floud, and there assaies
His foe confused through his sodaine fall,
That horse and man he equally dismaies,
And either both them drownes, or trayterously slaies.
Then doth he take the spoile of them at will, ix

And to his daughter brings, that dwels thereby:
Who all that comes doth take, and therewith fill
The coffers of her wicked threasury;
Which she with wrongs hath heaped vp so hy,
That many Princes she in wealth exceedes,
And purchast all the countrey lying ny
With the reuenue of her plenteous meedes,
Her name is Munera, agreeing with her deedes.
Thereto she is full faire, and rich attired, x

With golden hands and siluer feete beside,
That many Lords haue her to wife desired:
But she them all despiseth for great pride.
Now by my life (sayd he) and God to guide,
None other way will I this day betake,
But by that Bridge, whereas he doth abide:
Therefore me thither lead. No more he spake,
But thitherward forthright his ready way did make.
Vnto the place he came within a while, xi

Where on the Bridge he ready armed saw
The Sarazin, awayting for some spoile.
Who[257] as they to the passage gan to draw,
A villaine to them came with scull all raw,
That passage money did of them require,
According to the custome of their law.
To whom he aunswerd wroth, Loe[258] there thy hire;
And with that word him strooke, that streight he did expire.
Which when the Pagan saw, he wexed wroth, xii

And streight him selfe vnto the fight addrest,
Ne was Sir Artegall behinde: so both
Together ran with ready speares in rest.
Right in the midst, whereas they brest to brest
Should meete, a trap was letten downe to fall
Into the floud: streight leapt the Carle vnblest,
Well weening that his foe was falne withall:
But he was well aware, and leapt before his fall.
There being both together in the floud, xiii

They each at other tyrannously flew;
Ne ought the water cooled their whot bloud,
But rather in them kindled choler new.
But there the Paynim, who that vse well knew
To fight in water, great aduantage had,
That oftentimes him nigh he ouerthrew:
And eke the courser, whereuppon he rad,
Could swim like to a fish, whiles he his backe bestrad.
Which oddes when as Sir Artegall espide, xiv

He saw no way, but close with him in hast;
And to him driuing strongly downe the tide,
Vppon his iron coller griped fast,
That with the straint his wesand nigh he brast.
There they together stroue and struggled long,
Either the other from his steede to cast;
Ne euer Artegall his griple strong
For any thing wold[259] slacke, but still vppon him hong.
As when a Dolphin and a Sele are met, xv

In the wide champian of the Ocean plaine:
With cruell chaufe their courages they whet,
The maysterdome of each by force to gaine,
And dreadfull battaile twixt them do darraine:
They snuf, they snort, they bounce, they rage, they rore,
That all the sea disturbed with their traine,
Doth frie with fome aboue the surges hore.
Such was betwixt these two the troublesome vprore.
So Artegall at length him forst forsake xvi

His horses backe, for dread of being drownd,
And to his handy swimming him betake.
Eftsoones him selfe he from his hold vnbownd,
And then no ods at all in him he fownd:
For Artegall in swimming skilfull was,
And durst the depth of any water sownd.
So ought each Knight, that vse of perill has,
In swimming be expert through waters force to pas.
Then very doubtfull was the warres euent, xvii

Vncertaine whether had the better side:
For both were skild in that experiment,
And both in armes well traind and throughly tride.
But Artegall was better breath’d beside,
And towards th’end, grew greater in his might,
That his faint foe no longer could abide
His puissance, ne beare him selfe vpright,
But from the water to the land betooke his flight.
But Artegall pursewd him still so neare, xviii

With bright Chrysaor in his cruell hand,
That as his head he gan a litle reare
Aboue the brincke, to tread vpon the land,
He smote it off, that tumbling on the strand
It bit the earth for very fell despight,
And gnashed with his teeth, as if he band
High God, whose goodnesse he despaired quight,
Or curst the hand, which did that vengeance on him dight.[260]
His corps was carried downe along the Lee, xix

Whose waters with his filthy bloud it stayned:
But his blasphemous head, that all might see,
He pitcht vpon a pole on high ordayned;
Where many years it afterwards remayned,
To be a mirrour to all mighty men,
In whose right hands great power is contayned,
That none of them the feeble ouerren,
But alwaies doe their powre within iust compasse pen.
That done, vnto the Castle he did wend, xx

In which the Paynims daughter did abide,
Guarded of many which did her defend:
Of whom he entrance sought, but was denide,
And with reprochfull blasphemy defide,
Beaten with stones downe from the battilment,
That he was forced to withdraw aside;
And bad his seruant Talus to inuent
Which way he enter might, without endangerment.
Eftsoones his Page drew to the Castle gate, xxi

And with his iron flale at it let flie,
That all the warders it did sore amate,
The which erewhile spake so reprochfully,
And made them stoupe, that looked earst so hie.
Yet still he bet, and bounst vppon the dore,
And thundred strokes thereon so hideouslie,
That all the peece he shaked from the flore,
And filled all the house with feare and great vprore.
With noise whereof the Lady forth appeared xxii

Vppon the Castle wall, and when she saw
The daungerous state, in which she stood, she feared
The sad effect of her neare ouerthrow;
And gan entreat that iron man below,
To cease his outrage, and him faire besought,
Sith neither force of stones which they did throw,
Nor powr of charms, which she against him wrought,
Might otherwise preuaile, or make him cease for ought.
But when as yet she saw him to proceede, xxiii

Vnmou’d with praiers, or with piteous thought,
She ment him to corrupt with goodly meede;
And causde great sackes with endlesse riches fraught,
Vnto the battilment to be vpbrought,
And powred forth ouer the Castle wall,
That she might win some time, though dearly bought
Whilest he to gathering of the gold did fall.
But he was nothing mou’d, nor tempted therewithall.
But still continu’d his assault the more, xxiv

And layd on load with his huge yron flaile,
That at the length he has yrent the dore,
And made way for his maister to assaile.
Who being entred, nought did then auaile
For wight, against his powre them selues to reare:
Each one did flie; their hearts began to faile,
And hid them selues in corners here and there;
And eke their dame halfe dead did hide her self for feare.
Long they her sought, yet no where could they finde her, xxv
That sure they ween’d she was escapt away:
But Talus, that could like a limehound winde her,
And all things secrete wisely could bewray,
At length found out, whereas she hidden lay
Vnder an heape of gold. Thence he her drew
By the faire lockes, and fowly did array,
Withouten pitty of her goodly hew,
That Artegall him selfe her seemelesse plight did rew.
Yet for no pitty would he change the course xxvi

Of Iustice, which in Talus hand did lye;
Who rudely hayld her forth without remorse,
Still holding vp her suppliant hands on hye,
And kneeling at his feete submissiuely.
But he her suppliant hands, those hands of gold,
And eke her feete, those feete of siluer trye,
Which sought vnrighteousnesse, and iustice sold,
Chopt off, and nayld on high, that all might them behold.
Her selfe then tooke he by the sclender[261] wast, xxvii

In vaine loud crying, and into the flood
Ouer the Castle wall adowne her cast,
And there her drowned in the durty mud:
But the streame washt away her guilty blood.
Thereafter all that mucky pelfe he tooke,
The spoile of peoples euill gotten good,
The which her sire had scrap’t by hooke and crooke,
And burning all to ashes, powr’d it downe the brooke.
And lastly all that Castle quite he raced, xxviii

Euen from the sole of his foundation,
And all the hewen stones thereof defaced,
That there mote be no hope of reparation,
Nor memory thereof to any nation.
All which when Talus throughly had perfourmed,
Sir Artegall vndid the euill fashion,
And wicked customes of that Bridge refourmed.
Which done, vnto his former iourney he retourned.
In which they measur’d mickle weary way, xxix

Till that at length nigh to the sea they drew;
By which as they did trauell on a day,
They saw before them, far as they could vew,
Full many people gathered in a crew;
Whose great assembly they did much admire.
For neuer there the like resort they knew.
So towardes them they coasted, to enquire
What thing so many nations met, did there desire.
There they beheld a mighty Gyant stand xxx

Vpon a rocke, and holding forth on hie
An huge great paire of ballance in his hand,
With which he boasted in his surquedrie,
That all the world he would weigh equallie,
If ought he had the same to counterpoys.
For want whereof he weighed vanity,
And hid his ballaunce full of idle toys:
Yet was admired much of fooles, women, and boys.
He sayd that he would all the earth vptake, xxxi

And all the sea, deuided each from either:
So would he of the fire one ballaunce make,
And one of th’ayre, without or wind, or wether:
Then would he ballaunce heauen and hell together,
And all that did within them all containe;
Of all whose weight, he would not misse a fether.
And looke what surplus did of each remaine,
He would to his owne part restore the same againe.
For why, he sayd they all vnequall were, xxxii

And had encroched vppon others share,
Like as the sea (which plaine he shewed there)
Had worne the earth[262], so did the fire the aire,
So all the rest did others parts empaire.
And so were realmes and nations run awry.
All which he vndertooke for to repaire,
In sort as they were formed aunciently;
And all things would reduce vnto equality.
Therefore the vulgar did about him flocke, xxxiii

And cluster thicke vnto his leasings vaine,
Like foolish flies about an hony crocke,
In hope by him great benefite to gaine,
And vncontrolled freedome to obtaine.
All which when Artegall did see, and heare,
How he mis-led the simple peoples traine,
In sdeignfull wize he drew vnto him neare,
And thus vnto him spake, without regard or feare.
Thou that presum’st to weigh the world anew, xxxiv

And all things to an equall to restore,
In stead of right me seemes great wrong dost shew,
And far aboue thy forces pitch to sore.
For ere thou limit what is lesse or more
In euery thing, thou oughtest first to know,
What was the poyse of euery part of yore:
And looke then how much it doth ouerflow,
Or faile thereof, so much is more then iust to trow.
For at the first they all created were xxxv

In goodly measure, by their Makers might,
And weighed out in ballaunces so nere,
That not a dram was missing of their right,
The earth was in the middle centre pight,
In which it doth immoueable abide,
Hemd in with waters like a wall in sight;
And they with aire, that not a drop can slide:
Al which the heauens containe, and in their courses guide.
Such heauenly iustice doth among them raine, xxxvi

That euery one doe know their certaine bound,

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Chapter 07 - Independent Living

4. A security deposit is used by a landlord to provide protection for the tenants.

Chapter 07 - Independent Living

DATE CREATED: 2/1/2017 10:47 AM

5. Front-end ratio is the ratio of monthly housing expenses to all expenses.

Chapter 07 - Independent Living

RATIONALE: The amount should be $1,260 times 6 or $7,560.

10. How is a condominium different than a single-family dwelling?

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Chapter 07 - Independent Living

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Chapter 07 - Independent Living

15. What is NOT another word for renter?

Chapter 07 - Independent Living

22. What is an ARM?

Chapter 07 - Independent Living

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Chapter 07 - Independent Living

DATE MODIFIED: 2/16/2017 5:27 AM

$992.07; use the monthly payment formula; .

Chapter 07 - Independent Living

Grace should expect to find an apartment that is 1,014 square feet.

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Chapter 07 - Independent Living

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Chapter 07 - Independent Living

Chapter 07 - Independent Living

Yes, the bank will finance the Bradys’ dream home.

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Dread Souerayne Goddesse, that doest highest sit xi

Artegall trayn’d in Iustice lore

Though vertue then were held in highest price, i

Such first was Bacchus, that with furious might ii

And such was he, of whom I haue to tell, iii

Wherefore the Lady, which Irena[245] hight, iv

For Artegall in iustice was vpbrought v

Whiles through the world she walked in this sort, vi

Which steely brand, to make him dreaded more, ix

For of most perfect metall it was made, x

Now when the world with sinne gan to abound, xi

He now went with him in this new inquest, xiii

To whom as they approched, they espide xiv

Ah woe is me, and well away[247] (quoth hee) xv

Who was it then (sayd Artegall) that wrought? xvi

He, whether mine seem’d fayrer in his eye, xvii

Which when his Ladie saw, she follow’d fast, xviii

Aread (sayd he) which way then did he make? xix

No sooner sayd, but streight he after sent xx

He bad him stay, and backe with him retire; xxi

But ere he could him selfe recure againe, xxii

When to the place they came, where Artegall xxiii

And sayd, Now[250] sure this doubtfull causes right xxv

Sith then (sayd he) ye both the dead deny, xxvi