6. All of the following are required by the Real Estate Settlement Procedures Act EXCEPT a. A uniform settlement form must be used at loan closings. b. The borrower may cancel the loan transaction within 5 days after settlement. c. No kickbacks may be paid to any party in connection with a loan transaction. d. Lenders must provide borrowers with a good faith estimate of closing costs.

79. In the income approach, which of the following is NOT considered when calculating the net operating income? a. Debt service b. Management fees c. Real estate taxes d. Utilities

f. \( (x-1)(x+1)= \)

55. A house with outmoded plumbing is suffering from a. Curable physical deterioration. b. Functional obsolescence. c. External depreciation. d. Incurable physical deterioration.

9 Simplifie : \( \sin \frac{\pi}{5}+\sin \frac{3 \pi}{10}+\sin \frac{7 \pi}{10}+\sin \frac{4 \pi}{5}+\sin \frac{6 \pi}{5} \)

\( \frac{1}{a^{2}-4 b^{2}} \cdot \frac{1}{3 a^{2}+6 a b} \) va \( \frac{1}{2 a b-a^{2}} \)