The federal housing administration, government national mortgage association, and the office of fair housing and equal opportunity all operate under ______.

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Answer 1

The federal housing administration, government national mortgage association, and the office of fair housing and equal opportunity all operate under The U.S. Department of Housing and Urban Development.

The National Housing Act of 1934 included the creation of the Federal Housing Administration (FHA), a government organisation in the United States. The FHA establishes requirements for building and underwriting and insures mortgage loans for new homes taken out by banks and other private lenders.

Nearly 50 million mortgages on homes have been insured by the FHA and HUD since 1934. Currently, the FHA's portfolio includes over 3,900 mortgages for hospitals and residential care facilities, over 11,000 insured multifamily mortgages, and roughly 8.5 million insured single family mortgages.

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Related Questions

When a u. S. Company purchases and imports electronic parts from china to use to produce mp3 players within the united states, this purchase increases the.

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This purchase increases the investment component of GDP and reduces net exports, so the purchase of electronic components from China does not affect GDP.

What is GDP?

Gross Domestic Product (GDP) is the monetary value of all goods and services produced within a country's borders in a financial year. Once the market value of all goods and services is determined, the country's total GDP is calculated.

In this case, US purchases of electronic components from China increase the investment portion of GDP, but at the same time increase exports to China by the same amount and decrease net exports, so that overall US GDP No change.

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The Question was incomplete. Check below the full question.

If a US company purchases and imports electronic components from China to manufacture MP3 players in the US, does that purchase increase the (investment/government purchase/consumption) component of GDP? (increase/decrease) net exports. Therefore, the purchase of electronic components from China contributes (overall decrease/overall change/overall increase) to US GDP.

If attendance increases to 1,600 for the giveaway game, what is the total revenue for ticket sales?

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The total revenue for ticket sales is $11,200.

Revenue = no. of tickets sold * price per ticket

Price per ticket = $7.0

If tickets sold increases to 1600 the revenue = 1600*7 = $11,200

Revenue is the whole quantity of profits generated by using the sale of products and services related to the number one operations of the commercial enterprise. commercial revenue may also be known as sales or as turnover. some groups obtain revenue from interest, royalties, or different prices.

Revenue is the cash generated from normal business operations, calculated because the common sales rate times the number of units bought. it's far the pinnacle line (or gross profits) discern from which prices are subtracted to determine internet profits. sales is also known as income at the earnings announcement.

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For domestic or regional airlines or routes, there is always the option of taking a car, bus or train. This describes which of porter’s five competing forces?.

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This describes threats of substitution.

What are Porter’s five competing forces?A tool for analyzing a company's competitive environment is Porter's Five Forces Framework. It uses industrial organization (IO) economics to extract five forces that control the level of competition and, consequently, the profitability (or lack thereof) of an industry.An industry is considered "unattractive" when the combined impact of these five forces lowers overall profitability. An industry that is getting close to "pure competition," in which all firms' available earnings are being pushed to average profit levels, would be the least desirable. The five-forces perspective is known for being created by Harvard University's Michael E. Porter. In 1979, the Harvard Business Review published this paradigm for the first time.

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If you were to raise prices of a cup of ice cream by $1, by how much would quantity demanded change (in terms of ice cream cups)?

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The difference between the required yield on long and short-term securities of the same characteristics except maturity is called the?

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The difference between the required yield on long and short-term securities of the same characteristics except maturity is called the maturity premium

Maturity premium (also known as maturity risk premium (MRP)) is an aspect of required return that accounts for an investment's additional interest rate risk and reinvestment risk as a result of a longer time to maturity. The maturity risk premium rises as the time to maturity rises. It can be calculated by comparing securities that are identical except for their time to maturity.

A longer maturity investment also has a higher reinvestment risk, which is the risk that the cash flows obtained over the entire life of an investment will not be reinvested at a sufficient rate.

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Measuring the costs and benefits of a mutualism in terms of energy spent and/or gained:_________

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Measuring the costs and benefits of a mutualism in terms of energy, it is gained in both individuals.

What is Mutualism?

Mutualism is described as the ecological interaction where two or more species are benefited from the interaction.

This is a very common type of environmental interactions. some of the examples of the same are as follows

Mutualistic interactions of mycorrizhae and most vascular plants.

Flowering plants being pollinated by insects like bees for nectar.

The consumer resource interactions and functional responses of mutualisms provide new insights into the study of density dependent population dynamics.

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Will exhaustive testing (even if it is possible for very small programs) guarantee that the program is 100 percent correct?

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Exhaustive testing is the practice of testing for every possible issue in order to ensure that the product cannot be ruined or crashed by an unforeseen circumstance. It considers all conceivable input concatenations, usage scenarios, as well as arbitrary events and inputs.

It is impossible to conduct exhaustive or comprehensive testing. Due to the following factors, it is almost difficult for the majority of systems: A system cannot be tested using all of the domain of potential inputs for a program. It is frequently asserted that thorough testing of software is comparable to a proof of correctness. Although I've stated it before, this approach seems intuitively appealing but is flawed both technically and practically.

When all of your team's testers are worn out and all the planned tests have been run, this is known as exhaustive testing, also referred to as comprehensive testing.

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An import tariff on food will cause the world relative demand for cloth to ________ and the world relative supply for cloth to ________.

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An import tariff on food will cause the world relative demand for cloth to decrease  and the world relative supply for cloth to increase.

What is meant by import tariff ?

As a result of increased competition and an increase in the quantity of items available to home consumers, international trade enables domestic businesses to export their commodities. Despite the fact that all of these consequences appear positive, it has been asserted that free trade is not advantageous to all parties.

A tariff is essentially a tax. It is one of several trade policies that a nation can implement, but it raises the price that importers' customers pay. The customs office of the nation imposing the tariff is where tariffs are paid.

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A sports broadcaster who makes an on-air statement that an mlb player uses performance enhancing drugs without know whether the statement is actually true could be liable for?

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If a sportscaster says on-air that a Major League Baseball player uses performance-enhancing drugs without knowing if the claim is accurate, the broadcaster may be held legally responsible for defamation.

An act of staging or presenting a play, concert, or other type of entertainment is known as a performance. It can also be described as the act, procedure, or accomplishment of performing an act, task, or function. Early in the 20th century, performance art became increasingly popular as a subset of performance. With a concentration on avant-garde poetry readings and live paintings intended to be seen by an audience, Dada and Russian constructivism groups are credited with the invention of performance art. It includes audience participation if desired and can be either scripted or entirely improvised. Action painting, a method that emphasised the dynamic motions of painters as they splattered paint, emerged in the 1950s with the rise of abstract expressionism with Jackson Pollock and Willem de Kooning.

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What information must be supplied when utilizing a method that requires additional information in order to operate?

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Argument: When using a method that needs further information to function, information must be provided.

What is counter argument?

A counter argument is an objection to an objection in reasoning and argument mapping. An argument against a premise, a key assertion, or a lemma can be answered with a counterargument. Rebuttal, reply, counterstatement, counter reason, comeback, and answer are all possible synonyms for counterargument. Making a counterargument or locating a counterexample are two ways to try to refute a claim.Speaking of counterarguments does not imply that a particular subject has only two sides or that there is only one kind of counterargument. There are frequently numerous counterarguments for a given argument, some of which are incompatible with one another.A counterargument might aim to challenge the veracity of one or more of the first argument's premises, to demonstrate that the contention of the first argument does not follow legitimately from its premises, or it might pay little attention to the premises and common structure of the first argument and merely aim to show that the truth of a conclusion is inconsistent with that of the first argument.

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The quantity of products that people are willing to buy at different prices at a specific time is called?

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The quantity of products that people are willing to buy at different prices at a specific time is called Demand.

Demand in economics refers to the quantity of a good that consumers are willing and able to buy at different prices during a specific period of time.

What is demand?

The demand curve is another name for the relationship between price and quantity demand. Demand for a given product depends on a variety of factors, including perceived need, price, perceived quality, convenience, alternatives offered, buyer preferences and disposable money.A good's possible pricing and the quantities that would be bought at those prices make up the fundamental link between supply and demand. The relationship is often negative, which means that a rise in price will result in a fall in the quantity demanded.The consumer demand curve's decreasing slope is a physical representation of this negative relationship. It makes sense and is obvious to assume that there is a negative association. It would be a significant price increase, for instance, if a gallon of milk went from being $5 to $15. Because the price has increased by such a large amount and is now absurdly high for the goods, consumers will no longer purchase as much of it for $15.

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Oklahoma oil corp. paid interest of $785,000 during 2021, and the interest payable account decreased by $125,000. what was interest expense for the year?

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Paid interest of $785,000 during 2021, and the interest payable account decreased by $125,000. The interest expense for the year is $555,000.

interest expense = 785000 - 125000 x 2

                          = 555000

What is interest expense?

Cost of borrowing money is related to interest expense. It is the fee a lender assesses to a borrower in exchange for using the lender's funds. The cost of borrowing money from banks, bond investors, and other sources can be shown as interest expense on the income statement.

For illustration, suppose a company borrows $1,000 on September 1 with a 4% monthly interest charge. ($1000 x 4%) means that the interest cost for September will be $40. On October 1, the company repays the loan in full with a $500 payment. The interest cost for October will be $20 (500 x 4%).

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Individuals own the factors of production and make decisions about how to use those factors in
A: a command economy.
B: a communist society.
C: a free enterprise system.
D: an unfree mixed economy.

Answers

Answer:

a free enterprises system

Suppose that there is currently a $2. 00 per bottle tax on vodka that is levied on consumers. Legislators have decided to give consumers some relief by eliminating the tax. In order to keep tax revenues at their previous level, they decide to impose a $2. 00 tax on producers. What is the net impact of these two actions?.

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There is no change in either consumers' or producers' well-being

Revenues from taxes on income and profits, state welfare contributions, taxes on goods and services, payroll taxes, levies on the ownership and transfer of property, and other taxes are all considered to be taxes. The sum of all taxes paid is known as tax revenue. This is the quantity sold multiplied by the amount of the excise (or per unit) tax. The overall surplus includes tax revenue. The producer surplus that existed before to the tax will now make up a portion of the tax collection. the maintenance of natural resources, farming, and the environment; investing in scientific and medical research; investing in basic infrastructure like roads, bridges, and airports; and investing in education.

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Penny buys 3 bouquets of flowers for $3 each and 4 bouquets for $2 each. which expression gives the total cost of the bouquets that penny buys? a. 33 42 b. 33 24 c. 33 4 × 2 d. 32 4 × 2

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The correct answer is 3³+ 4×2

Lets, calculate the total cost of the boquets of flowers that penny buys,

Penny buys 3 boquets of flowers, for 3$ each so, the total cost is given by,

3×3 = 33$

Penny buys 4boquets of 2$ each.

So, the total cost of the boquets of the flowers that worth 2$ each is given by,

(4×2 )

So, the total costs of the boquets of flowers that penny buys is given by,

3³+42.

Total cost is defined as the total expense by the individual or a company added to the variable costs occur. Total cost help the businesses to calculate their profits and loss and maintain their sales data.

The terms fixed costs, total fixed costs, and variable costs have a similar sound, there are important distinctions among the three. The primary difference is that whereas variable costs and total fixed costs are heavily over dependent on the quantity of goods or services a company produces, fixed costs do not take that quantity into account.

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_____ studies the factors that influence the development of abilities essential to movement.

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Motor development studies the factors that influence the development of abilities essential to movement.

The physical development and strengthening of a child's bones, muscles, and capacity to move about and feel his or her environment is known as motor development. There are two types of motor development in children: fine motor and gross motor.

Children's overall development is impacted by their motor skills. By promoting self-confidence, hand-eye coordination, balance, and a sense of one's own abilities, it is an essential way for kids to learn and develop physically and cognitively.

The improvement in a child's capacity to use their bodies and physical skills is referred to as motor development, which is a component of physical development. Gross motor development and fine motor development are two categories of motor development.

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If your bank charges an out-of-network service fee of $3.00, and you withdraw $20 from each of three out-of-network atms, how much money in total will be removed from your account? a. $60 b. $63 c. $69 d. $120 please select the best answer from the choices provided a b c d

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The total money removed from your account will be $69. Hence, option c. is the correct answer

Bank charges on an out-of-network atm = $3.00

Amount withdrew each time = $20

No. of times amount is withdrawn from out-of-network ATMs = 3 times

Therefore, total service charges paid for 3 withdrawals = 3*3 = $9

Total amount withdrawn for 3 withdrawals = 3*20 = $60

So, the total amount removed from the account will be sum total of the 3 withdrawal amounts and the service charge on the 3 withdrawals made = 60 + 9 = $69

Therefore, the total amount removed from the bank will be $69. Hence option c. will be the correct answer for the given question

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An increase in a good's price reduces the total amount consumers spend on the good if the ________ elasticity of demand is ________ than one.

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Price , greaterr ….lmk if im right

Ruritania's ministry of economics has considered various plans to stimulate economic growth in the kingdom. which proposal would have the best chance of success?

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To increase the general level of skills in the labour force, improve the literacy rate with reading programs at all levels, K-12 and adult. is the proposal would have the best chance of success.

What is growth in the economy?

In economic growth research improves administrations and treatments not fair for you but also for future generations. It makes a difference to developing modern tests for diagnosis, medications and forms that may in the long run help your children, or indeed your grandchildren.  Economic growth is an increase in the production of goods and services in an economy. · Increases in capital goods, and labor force.

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Generally accepted accounting principles (gaap) wants information to have:________
a. rules conceptual history
b. faithful representation
c. relevance

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Generally accepted accounting principles (gaap) wants information to have faithful representation.

The term "GAAP" (generally accepted accounting principles) refers to a set of widely used standards and accounting procedures for financial reporting. Gap is how the acronym is pronounced. Definitions of concepts and guiding principles are included in GAAP specifications, along with industry-specific regulations.

An illustration of GAAP is what? The whole field of financial reporting is covered by GAAP rules. For instance, GAAP establishes the formats for income statements, the financial periods that must be included, and the reporting of cash flow. The term "GAAP" stands for "Generally Accepted Accounting Principles," sometimes known as "US GAAP.

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A method of assigning overhead costs to a product using a single overhead rate is:_________

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A method of assigning overhead costs to a product using a single overhead rate is the Plantwide overhead rate method.

Overhead expenses are all fees on the income announcement except for direct hard work, direct substances, and direct expenses. Overhead charges include accounting fees, advertising, insurance, hobby, felony charges, hard work burden, rent, upkeep, substances, taxes, telephone payments, travel prices, and utilities.

You must usually try to preserve your overhead ratio of less than 35%. For organizations with a low-profit margin, an overhead rate of 10% could be too heavy for their commercial enterprise so they need to paintings on reducing their overhead costs to maintain their commercial enterprise thriving.

Overhead costs are the fees important to run your business. Overhead charges aren't at once associated with any specific products or services, and unlike items that include substances, do not directly generate income. however, overhead costs are nevertheless a part of doing business and need to be accounted for properly.

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As the price of lead falls (a key input in the production of automobile batteries), the costs of producing batteries decreases, shifting the supply curve of batteries:__________

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As the price of lead falls (a key input in the production of automobile batteries), the costs of producing batteries decreases, shifting the supply curve of batteries down and to the right.

When supplies of a good or service fluctuate at a given price in reaction to other economic circumstances, the supply curve shifts. The supply curve for each price level would move to the right if more of the good or service was provided at each price level for reasons other than price.

The corresponding supply curve would move to the left if the volume of a good or service supplied at each price level decreased owing to economic considerations other than price.

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B. biosante has gross deferred tax assets of $28,946,363. however, the net deferred tax assets balance is zero. explain.

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On a company's balance sheet, a deferred tax asset is something that lowers future taxable income.

When a company overpays its taxes, a line item asset of this nature may be discovered. Eventually, the business will receive this money back in the form of tax savings. As a result, the corporation gains value from the overpayment. A deferred tax liability, which denotes an expected rise in the amount of income tax that a company must pay, is the opposite of a deferred tax asset. When taxes are paid or carried forward but cannot yet be reported on the company's income statement, a deferred tax asset is frequently established.

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Considering the number of vehicles bought as business cars, how much profit did the model that benefited the most by targeting this market make?

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The profit the business model that benefited the most by targeting this market make is  £35,126.

A business is defined as an experienced organization or entity engaged in commercial, industrial, or professional activities. A business can be a for-profit or a non-profit organization. Business types range from limited liability companies to sole proprietorships, corporations, and partnerships.

Model code G02F F326 E323 S365 G636

Production cost = v £16,000 £14,390 £11,654 £17,265 £11,314

Retail price = s £22,000 £20,968 £16,745 £24,547 £15,265

Sales volume in millions (business) = n 4.79 5.34 4.32 2.21 3.33

Profit = n*(s - v) £28,740 £35,127 £21,993 £16,093 £13,157

So,

Option-2 = £35,126.

Disclaimer:- your question is incomplete, please see below for the complete question.

Considering the number of vehicles bought as business cars, how much profit did the model that benefitted the most by targeting this market make?

1)20513 million

2)35126 million

3)50684 million

4)65236 million

5)80457 million

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The first mall in mumbai, india​ was successful. Builders proceeded to construct three more right away. However, they have more than 50% vacancies because they lack customers. The builders failed to properly account for which challenge of operating in developing countries?.

Answers

Development fails to properly explain which of the challenges operating in developing countries is the lack of wealth of potential consumers.

Industry is the business of processing raw goods, semi-finished goods into goods that have added value. The purpose of industrial activity is to make a profit for the producer. Finished goods are industrial goods that are ready to be used as a means of production.

There are three types of industries as follows:

Extractive IndustryNon-extractive IndustryNon-extractive IndustryThe industrial development objectives are as follows:

Utilizing natural resources, or the results of cultivation owned by a country.

Improving people's welfareIncrease the country's economic growth for the better.Encourage the development of existing technology.Increase the role of the community in industrial development.Open and expand job opportunitiesIncrease foreign exchange through exports

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The cost principle states that an asset should be recognized on the balance sheet at the:_____.

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The cost principle states that an asset should be recognized on the balance sheet at the purchase price.

A balance sheet is a statement of a business's belongings, liabilities, and owner's fairness as of any given date. typically, a stability sheet is ready at the end of set periods (e.g., each zone; yearly). A stability sheet is made from columns. The column on the left lists the assets of the corporation. In financial accounting, a balance sheet is a precis of the economic balances of a person or organization, whether it's a sole proprietorship, a business partnership, an enterprise, a private limited organization, or a different organization together with authorities or not-for-profit entity.

A balance sheet offers you a snapshot of your agency's economic function at a given factor in time. along with a profits declaration and a cash flow statement, a stability sheet can help business owners evaluate their organization's monetary standing. The name "balance sheet" is based totally on the truth that assets will same liabilities and shareholders' equity every time.

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A main reason that environmental scanning is important is so that businesses can be aware of.

Answers

Potential threats are the main reason that environmental scanning is important so that businesses can be aware of them.

The Potential Threats screen displays information about security risks to your customers and networks. The security server collects threat information by running the Vulnerability Assessment and Cleaning Service to clean up the threats.

A vulnerable computer has weaknesses in its operating system or applications. Many threats exploit these vulnerabilities to cause damage or gain unauthorized control. As a result, vulnerabilities not only pose a risk to the individual computers on which they reside but also to other computers on your network. The Vulnerability section lists all the clients on your network for which vulnerabilities have been discovered since the last vulnerability assessment. You can see the last update time in the upper right corner of the screen.

The Potential Threat Screen classifies clients based on the level of risk they pose to the network. The risk level is calculated by Trend Micro and represents the relative number and severity of vulnerabilities for each customer.

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What does each employer that has workers with occupational exposure to human blood or opim need to have?

Answers

Employees who have occupational contact with blood or OPIM must be given the Hepatitis B vaccine and immunization series within 10 working days of their starting assignment.

Two vaccines can protect against hepatitis B: the hepatitis B vaccine protects infants, children, and adults from contracting the illness. With the hepatitis A and B combo vaccination, adults are safeguarded against both hepatitis B and A.

Studies show that the immunologic memory of healthy persons who started receiving hepatitis B immunizations at an age older than six months last for at least 30 years. The vaccine provides long-term defense against clinical illness and persistent hepatitis B virus infection.

Workers who have regular contact with blood or OPIM must complete the hepatitis B vaccination series and get the hepatitis B vaccine within ten working days of starting their assignment.

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In a competitive market, firms can dictate what the equilibrium price of a good or a service will be:_________

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In a competitive market, firms can dictate what the equilibrium price of a good or a service will be False.

It should be mentioned that the equilibrium price is determined by the interaction between demand and supply. Neither consumers nor corporations can determine the equilibrium price.

No company can sell anything at any price unless it can find a willing buyer, and no consumer can purchase anything at any price unless a willing seller can be found. lower than the equilibrium price, and the amount required exceeds the quantity provided In a competitive market, businesses can set the equilibrium price of an item or service.

Assist in reducing the scarcity of parking places in those regions and at those times Buyers and sellers may be forced to compete on price. The supply-demand interplay.

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Apple developed itunes as a complement to drive ipod sales. which aspect of differentiation strategy does this move represent?

Answers

Apple developed iTunes as a complement to drive sales of the iPod. Aspects of differentiation strategy represented by this movement as a value driver.

Differentiation strategy is an effort or action taken by the company to create a meaningful difference in the product, service or service so that it is able to generate customer value and create a distinctive and meaningful perception. Through differentiation, companies can provide a more unique difference than competitors, so that with that difference consumers have a higher value. Differentiation is a strategy that can maintain customer loyalty whereby using a differentiation strategy, customers get more value compared to other products.

Terms of Differentiation

Creating excellent value. A differentiation must be able to create excellent value to customers so that these differences have meaning in the eyes of customers.Competitive advantage. Company differentiation must be an advantage over competitors. A differentiation will be solid if it reflects differences with competitors and these differences reflect the advantages of the company's offerings.Has uniqueness. In order for differentiation to be strong and sustainable, it must have uniqueness so that it is not easy to be imitated by competitors. In order not to be easily imitated, differentiation must be composed of a set of interrelated activity systems where these activities support each other constructively.

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What are the next three letters in this combination? OTTFFSS. The proper angle for a ladder is about 75 from the ground. Suppose you have a 19 foot ladder. How far fromthe house should you place the base of the ladder?1 I don't know how to work this, I'm very confusedHow do I find the distance and displacement? (for both problems) contoh pertanyaan ruang lingkup bisnis? Evaluate 5x, for x = 9 Katelynn and Petra both commute to work. Katelynn's commute on the bus takes 15 minutes more than 1/3 as many minutes as Petra's commute by car. It takes Katelynn 45 minutes to get to work. Write an equation to determine how many minutes it takes Petra to get to work.Help! 100 points. Thomas Jefferson based his claims in the Declaration of Independence on a set of ideas.What were these ideas?the colonists' rights as English citizensthe separation of powers in the Constitutionthe Enlightenment philosophy of natural rightsthe Christian teachings of the New Testament 8-3(k+2)=2-3k My teacher doesn't teach very well I need help its 10th-grade algebra Which statement best explains how gravity helps sustain life on Earth? Which environmental impact can result from large algae blooms in the Great Lakes?O More nutrients in the lakeO Fewer fish kills in the lakeO More lake "dead zones"O More oxygen in the lake 1. Briefly explain the main ideas presented in the passage from Two Treatises ofGovernment by John Locke. What is the equation of the line that passes through (0,-5) and (-3,-12)? How would you wire together individual solar cells to produce enough voltage to run a small 3.5-v motor? if one solar panel produces 0.5 v? A deck of cards contains RED cards numbered 1,2,3,4 and BLUE cards numbered 1,2,3,4,5. Let R be the event of drawing a red card, B the event of drawing a blue card, E the event of drawing an even numbered card, and O the event of drawing an odd card.Drawing the Blue 4 is an example of which of the following events? Select all correct answers. Calculate the moles of ammonia present in a 4.206 g sample of ammonia which has a molar mass of 17.30 g/mol Solve the following X + 8 < 3 or -8x < -40 4. How was Congress able to stop the Reagan administration's support for the Nicaraguan Contras?by negotiating through the Vice Presidentby cutting off funds used for supportby declaring support for the Sandinistasby holding President Reagan in contempt When deciding which staff to team-up to work on work packages, factors to consider are:____. GIVING BRAINLIEST AND ALOT OF POINTS!Answer each of the questions in your response with atleast one sentence each.1. Source: Who is Sojourner Truth's audience for this speechand what is her point of view in this speech? You maychoose to begin your sentence with: The audience for thisspeech is...2. Context: What was happening at this time in history? Howdid the people of that time view the world? You maychoose to start your sentence with: At this time in history,3. Corroborate: Do you think this source is a reliable andaccurate piece of evidence of the historical event? Why orwhy not? You may choose to start your sentence with: Ithink this source is not a good piece of evidence of life inthe Civil War because...4. Close Reading: What language or arguments does Truthmake to persuade or influence her audience? You maychoose to start your sentence with: Sojourner Truth tries toconvince her audience that African American and whitewomen should have equal rights as white men by saying.... A circle is centered at the origin and has a radius of 4 units. Which points on the circle have a y -coordinate of 3?