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NEW QUESTION: 1
You are creating a database that will store usernames and credit card numbers for an application. You need to recommend a solution to store and reuse the credit card numbers in the database.
What should you recommend? More than one answer choice may achieve the goal. Select the BEST answer.
A. Transparent Data Encryption (TDE)
B. Encrypting File System (EFS)
C. Data encryption
D. Data hashing
Answer: C
Explanation:
Explanation/Reference:
Explanation:
If we are going to encrypt credit card number for storage, then we should have Data Encryption Key(DEK) for encrypting the credit card number.
NEW QUESTION: 2
Jonathan Weil, CFA, is the managing director of Weil Capital Management (WCM). Weil has decided to reevaluate the asset backed security (ABS) positions in his investors' portfolios since a recent, and severe, credit problem in the subprime lending industry has had ripple effects on other fixed-income markets. Weil expects the interest rate term structure to remain flat, but shift upward as credit terms tighten. Weil has asked one of his analysts, Vanessa Ordon, to assist him in analyzing potential ABS investments, including some products he is unfamiliar with.
Ordon provides an assessment of ABS backed by auto loans, credit card receivables, and closed end home equity loans. Ordon has assembled the following information on the collateral, credit enhancements, and prepayment risk associated with each type of ABS.
Ordon has also assembled the following information on the structure of a closed end home equity loan (HEL) asset backed security. Ordon has presented the security to Weil as a potential investment opportunity, but Weil is concerned about its default and prepayment risks. The HEL ABS does not have a shifting interest mechanism.
Ordon has also developed an assessment of mortgage backed securities (MBS). Ordon has assembled the following information related to a mortgage backed security.
Evaluate Ordon's description of the prepayment risk associated with auto loan and credit card receivable backed ABS. Ordon is:
A. incorrect, because Weil's expected interest rate increase would not cause a contraction on credit card receivable ABS.
B. correct.
C. incorrect, because Weil's expected interest rate increase would cause the prepayment rate on auto loan ABS to decrease.
Answer: B
Explanation:
Explanation/Reference:
Explanation:
Ordon has correctly described the prepayment risk of the auto loan ABS. Because auto loans are short- term loans and the underlying asset (the automobile) has a tendency to rapidly depreciate in the early years, there is little incentive for borrowers to prepay the loan even if interest rates decline. Borrowers who take out an auto loan generally do not refinance their vehicles as interest rates decline. Weil is forecasting an increase in interest rates, which is unlikely to have a significant effect on the prepayment rate of the auro loan ABS. Ordon has not correctly described the prepayment risk of the credit card receivable ABS.
During the lockout period any principal payments (and prepayments) are used to purchase additional collateral for the ABS. Thus, any changes in prepayment rates induced by interest rate changes would be offset by additional purchases of collateral. A contraction, or extension, would be unlikely to occur. (Study Session 15, LOS 56.b,e)
NEW QUESTION: 3
Answer:
Explanation:
Explanation
No change is necessary
Change the format
Reduce the size
NEW QUESTION: 4
Which statements are true regarding the Query Result Cache? (Choose all that apply.)
A. It is used only across statements in the same session.
B. It can store the results from normal as well as flashback queries.
C. It can be set at the system, session, or table level.
D. It can store the results of queries based on normal, temporary, and dictionary tables.
Answer: B,C