有没有志玲姐解答一下，关于求FV of growing ordinary annuity的问题：Blake is 30 years old today, and he is planning on his retirement at age 65. His currently salary is $45000 and he expects his salary to increase at a rate of 5% per year as long as he works. To save for the retirement, he plans on making annual contributions to a retirement account. His first contribution will be made on his 31st birthday and will be 8% of this year’s salary. Likewise, he expects to deposit 8% of his salary each year until he reaches age 65. Assume that the rate of interest is 7%. The future value at retirement (age 65) of his saving is closest to: a. $497,530 b.$928,902 c.$87,004 d.$1,263,236 应该用公式FV=CF1*{[(1+r)^n-(1+g)^n]/(r-g)}求么（结果为A）， 还是应该单独计算每年的ordinary annuity后求FV（结果为B）?

您好，想问下第93题，这个题是是因为原来债务摊销是按照6%来进行的，目前是市场的MR是7%，所以是摊销的少了，然后导致债务被高估吗

请问RMBS银行是把贷款人抵押的房产和mortgage一起卖给SPE么？

这个图是什么意思

老师请问这题的解题过程有吗？感觉我是不是上课听漏了什么，什么叫财务杠杆是2呀

老师好，如果债券到期需要剔除出去不也相当于是reconstitution吗？

老师，“ST cross LT from underneath”和“ST cross above LT”这两个表述是一个意思对吧，都可以表示短期从下方涨过长期

老师，solvency是偿债能力，less solvency代表偿债能力差了对吧？

这里的倒数第二个假设，是什么意思

老师，双倍余额递减法是不是最后两年要直线折旧