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Chapter 6: Applications for Business and Consumers
Prep Test Objective A Exercises

3. Strategy To find the unit cost, divide the
1. 3.75 ÷ 5 = 0.75
total cost ($18.75) by the
2. 3.47 × 15 = 52.05 number of units (2).
3. 874.50 – 369.99 = 504.51 Solution 18.75 ÷ 2 = 9.375
The unit cost is $9.38 per metre.
4. 0.065 × 150 000 = 9750
5. 1500 × 0.06 × 0.5 = 90 × 0.5 = 45
total cost ($5.99) by the number
6. 1372.47 + 36.91 + 5.00 + 2.86 = 1417.24 of units (225).
7. 3.333  3.33 Solution 5.99 ÷ 255 ≈ 0.026

3 10.000 The unit cost is $0.03 per gram.
9
10 5. Strategy To find the unit cost, divide the
9 total cost ($2.99) by the number
10
9 of units (6).
10 Solution 2.99 ÷ 6 ≈ 0.4983
9
The unit cost is $0.50 per can.
1
8. 0.6052  0.605
570 345.0000 total cost ($3.99) by the number
3420 of units (50).
300
0 Solution 3.99 ÷ 50 = 0.0798
3000 The unit cost is $0.08 per tablet.
2850
1500 7. Strategy To find the unit cost, divide the
1140 total cost ($3.89) by the number
360
of units (14).
9. 0.379 < 0.397 Solution 3.89 ÷ 14 = 0.277
The unit cost is $0.28 per gram.
Section 6.1 8. Strategy To find the unit cost, divide the

total cost ($13.95) by the
Concept Check
number of units (2).
1. Unit cost is the cost of one item.
Solution 13.95 ÷ 2 = 6.975
2. Total cost is found by multiplying the unit cost The unit price is $6.98 per
by the number of units purchased. clamp.
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May not be scanned, copied, or duplicated, or posted to a publicly accessible website, in whole or in part
6-2 Chapter 6 Applications for Business and Consumers
9. Strategy To find the unit cost, divide the 14. Strategy To find the more economical
total cost ($2.85) by the number purchase, compare the unit costs.
of units (6). Solution Old El Paso 575 mL:
Solution 2.85 ÷ 6 = 0.475 2.97 ÷ 575 = 0.0051
The unit price is $0.48 per ear. Old El Paso 400 mL:
1.99 ÷ 400 ≈ 0.0049
total cost ($2.99) by the number 0.0049< 0.0051
Old El Paso 400 mL is the more
of units (200).
Solution 2.99 ÷ 200 ≈ 0.014 economical purchase.
The unit cost is $0.01 per gram. 15. Strategy To find the more economical
11. To find the unit cost, divide the price of one purchase, compare the unit costs.
container of ice cream by 2. Solution L’Oréal shampoo:

3.69 ÷ 325 ≈ 0.0113
Objective B Exercises Dove shampoo:
12. Strategy To find the more economical 2.99 ÷ 300 = 0.0099
purchase, compare the unit costs. 0.0099 < 0.0113
Solution Classico: Dove shampoo is the more
2.99 ÷ 750 ≈ 0.0.0039 economical purchase.
Newman’s Own: 16. Strategy To find the more economical
3.29 ÷ 800 ≈ 0.0041 purchase, compare the unit costs.
0.0039< 0.0041 Solution 200 tablets:
Classico pasta sauce is the more 12.99 ÷ 200 ≈ 0.0650
economical purchase. 400 tablets:
13. Strategy To find the more economical 18.69 ÷ 400 ≈ 0.0467
purchase, compare the unit costs. 0.0467 < 0.0650
Solution Miracle Whip: 400 tablets is the more
2.97 ÷ 650 = 0.0045 economical purchase.
Hellman’s: 17. Strategy To find the more economical
2.39 ÷ 400 ≈ 0.0059 purchase, compare the unit costs.
0.0045 < 0.0059 Solution Ultra Mr. Clean:
Miracle Whip mayonnaise is the 2.67 ÷ 1.2 = 2.22
more economical purchase. Ultra Spic and Span:
2.19 ÷ 0.9 ≈ 2.43
2.22 < 2.43
Ultra Mr. Clean is the more
economical purchase.

Chapter 6 Applications for Business and Consumers 6-3
18. Strategy To find the more economical Objective C Exercises

purchase, compare the unit costs. 24. Strategy To find the total cost, multiply
Solution Kraft: 5.99 ÷ 500 ≈ 0.0119 the unit cost ($4.59) by the
Cracker Barrel: number of units (3).
4.99 ÷ 240 ≈ 0.0207 Solution 4.59 × 3 = 13.77
0.0119 < 0.0207 The total cost is $13.77.
Kraft cheddar cheese is the more
25. Strategy To find the total cost, multiply
the unit cost ($0.98) by the
19. Strategy To find the more economical number of units (75).
purchase, compare the unit costs. Solution 0.98 × 75 = 73.50
Solution Bertolli: 9.49 ÷ 950 ≈ 0.0099 The total cost is $73.50.
Pompeian: 2.39 ÷ 225 ≈ 0.0106
0.0099 < 0.0106
Bertolli olive oil is the more
Solution 0.43 × 8 = 3.44
20. Strategy To find the more economical The total cost is $3.44.
purchase, compare the unit costs.
Solution Maxwell House:
6.99 ÷ 925 = 0.0075
number of units (3.6).
Folger’s: 5.99 ÷ 875 = 0.0068
Solution 4.69 × 3.6 = 16.884
0.0068 < 0.0075
The total cost is $16.88.
Maxwell House coffee is the
more economical purchase. 28. Strategy To find the total cost, multiply
21. Strategy To find the more economical
Solution 0.98 × 6.5 = 6.37
Solution Wagner’s:
3.95 ÷ 1.5 ≈ 2.6333
Durkee: 2.84 ÷ 1 = 2.84 29. Strategy To find the total cost, multiply
2.6333 < 2.84 the unit cost ($12.99) by the
Wagner’s vanilla extract is the number of units (0.65).
more economical purchase. Solution 12.99 × 0.65 ≈ 19.984

22. Decrease
23. Increase 30. Strategy To find the total cost, multiply
Solution 1.29 × 2.1 = 2.709

31. Strategy To find the total cost, multiply Projects or Group Activities
the unit cost ($9.49) by the 36. $250  29.296  $8.53 per share
number of units (2.8). $250  26.743  $9.35 per share
Solution 9.49 × 2.8 = 26.572 $250  27.981  $8.93 per share
The total cost is $26.57. $250  25.522  $9.80 per share
$250  23.377  $10.69 per share
32. True; each pair of cantaloupes purchased at $250  22.187  $11.27 per share
the sale price costs the same as one
Total amount invested: $1500
cantaloupe at the regular price. There are
Total shares purchased: 155.106
3 pairs in 6, so the statement is true.
The average unit cost is $9.67 per share.
Critical Thinking
33. A box of Tea A contains twice as many bags
Section 6.2
as a box of Tea B, so a box of Tea B contains Concept Check
half as many bags as a box of Tea A. If a box 1. ii 2. i
of Tea B cost half as much as a box of Tea A,
3. Markup is an amount; markup rate is a
then the price per tea bag would be equal.
percent.
But, because the price of a box of Tea B is
greater than half the price of a box of Tea A, 4. Discount is an amount; discount rate is a
the price per tea bag for Tea B is greater than percent.
the price per bag for Tea A. A box of Tea A

Objective A Exercises
is the more economical purchase.
5. Strategy To find the percent increase:
34. A box of Tea A contains twice as many tea
• Find the amount of the
bags as a box of Tea B, so if a box of Tea A
increase by subtracting the
cost twice as much as a box of Tea B then
amount spent last year
the price per tea bag would be equal. But
($5.8 billion) from the amount
because the price of a box of Tea A is less
spent this year ($6.9 billion).
than twice the price of a box of Tea B, the
• Write and solve the basic
price per tea bag for Tea A is less than the
percent equation for percent.
price per bag for Tea B. A box of Tea A is
The base is 5.8 and the amount
the more economical purchase.
is the amount of the increase.
35. The Universal Product Code, or UPC, is a Solution 6.9 – 5.8 = 1.1
series of lines, bars, and numbers found on Percent × base = amount
the packages of consumer products. The n × 5.8 = 1.1
UPC is used with an optical scanning device n = 1.1 ÷ 5.8
n  0.190
that “reads” the UPC and signals the
computer to search its memory for the price The percent increase is 19.0%.
of the item.

6. Strategy To find the percent increase: average airfare at Christmas

• Find the amount of the ($348) from the average
increase by subtracting the airfare at Thanksgiving
kilometres per litre before ($421).
the increase (5.9) from the • Write and solve the basic
kilometres per litre after the percent equation for percent.
increase (7.9). The base is 348 and the
• Write and solve the basic amount is the amount of the
percent equation for percent. increase.
The base is 5.9 and the amount Solution 421 – 348 = 73
is the amount of the increase. Percent  base  amount
Solution 7.9 – 5.9 = 2.0 n  348  73
Percent  base  amount n  73  348
n  5.9  2.0 n  0.2097
n  2.0  5.9 The percent increase is 21.0%.
n  0.3389
The percent increase is 33.9%. • Find the amount of the
7. Strategy To find the percent increase: increase by subtracting the
• Subtract the number of number of events in 1924 (14)
members in the first year from the number of events in
(7900) from the number of 2014 (98).
members in the second year • Write and solve the basic
(29 750). percent equation for percent.
• Write and solve the basic The base is 14 and the amount
percent equation for percent. is the amount of the increase.
The base is 7900 and the Solution 98 – 14 = 84
amount is the amount of the Percent × base = amount
increase. n × 14  84
n  84 ÷ 14
Solution 29 750 – 7900 = 21 850
n=6
Percent  base = amount
The percent increase is 600%.
n  7900 = 21 850
n = 21 850 ÷ 7900 10. Strategy To find the number of
n  2.766 subscribers:
The percent increase is 276.6%. • Write and solve the basic
8. Strategy To find the percent increase: percent equation for the
• Find the amount of the amount of increase. The
increase by subtracting the percent is 87% and the base is
2.3 million.

• Add the increase to number of • Add the increase to the

subscribers at the beginning of number of Canadian mother’s
the year (2.3 million). in 2000 (53 314).
Solution Percent  base  amount Solution Percent  base = amount
87%  2.3  n 36.1%  53 314 = n
0.87  2.3  n 0.361  53 314 = n
2.001  n 19 246.3 = n
2.001  2.3  4.301 There was an approximately
19 246 increase.
There were 4.301 million
53 314 + 19 246 = 72 560.3
subscribers at the end of the year.
The approximate number of
Canadian mothers giving birth in
2011 was 72 560.
amount Canadians spent 13. $12  0.10  $12  $1.20  $12  $13.20
$12 1.10   $13.20
on dog food in 2005
Yes
($769.4 million) from the
amount spent ten years later
Objective B Exercises
($933.0 million).
14. (1) Selling price – cost = markup
• Write and solve the basic
(3) Markup rate × cost = markup
percent equation for percent.
15. (3) Markup rate × cost = markup
The base is 769.4 million and
(2) Cost + markup = selling price
the amount is the amount of
the increase. 16. Strategy To find the markup, solve the
Solution 933.0 – 769.4 = 163.6 basic percent equation for
Percent  base  amount amount.
n  769.4  163.6 Solution Percent  base  amount
n  163.6  769.4 25%  285  n
n  0.2126 0.25  285  n
The percent increase is 21.3%. 71.25  n
The markup is $71.25.
12. Strategy To find the average age of
Canadian mothers giving birth to 17. Strategy To find the markup, solve the
their first child: basic percent equation for
• Find the increase by writing amount.
and solving the basic percent Solution Percent  base  amount
equation for amount of 38%  45  n
increase. The percent is 36.1% 0.38  45  n
17.10  n
and the base is 53 314.

18. Strategy To find the markup rate, solve Solution Percent  base  amount
the basic percent equation for 45%  210  n
percent. The base is $3250 and 0.45  210  n
94.50  n
the amount is $975.
Solution Percent × base = amount
n × 3250 = 975 94.50 + 210 = 304.50
n = 975 ÷ 3250 The selling price is $304.50.
n = 0.30 = 30%
22. Strategy To find the selling price:
The markup rate is 30%.
• Solve the basic percent
19. Strategy To find the markup rate, solve equation for amount to find
the basic percent equation for the amount of the markup.
percent. The base is $20 and the • Add the amount of the markup
amount is $12. to the cost ($225).
Solution Percent  base  amount Solution Percent  base  amount
n  20  12 42%  225  n
n  12  20 0.42  225  n
n  0.60  60% 94.5  n
The markup rate is 60%. 94.5  225  319.50
20. Strategy To find the selling price: The selling price is $319.50.
• Find the markup by solving 23. Strategy To find the selling price:
the basic percent equation for • Solve the basic percent
amount. equation for amount to find
• Add the markup to the cost. the amount of the markup.
Solution Percent × base = amount • Add the amount of the markup
48% × 162 = n to the cost ($50).
0.48 × 162 = n
77.76 = n
48% × 50 = n
The markup is $77.76. 0.48 × 50 = n
77.76 + 162 = 239.76 24 = n
The selling price is $239.76. 50  24  74
The selling price is $74.
• Find the markup by solving
Objective C Exercises
the basic percent equation for
24. Strategy To find the percent decrease:
amount.
• Find the amount of the decrease
• Add the markup to the cost.
by subtracting the number this
year (155 050) from the number
last year (171 514).

• Write and solve the basic • Write and solve the basic
percent equation for percent. percent equation for percent.
The base is 171 514 and the The base is 554 and the
amount is the amount of the amount is the amount of the
decrease. decrease.
Solution 155 050 – 171 514 = 16 464 Solution 610 – 554 = 56
Percent  base  amount Percent  base  amount
n  171514
  16464 n  610  56
n  16464  171514
 n  56  610
n  0.096  9.6% n  0.0918  9.2%
The amount represents a
decrease of 9.2%.
decrease of 9.6%.
25. Strategy To find the percent decrease,
solve the basic percent equation
decrease by subtracting the
for percent. The base is 45 and
number of cases in 2013
the amount is 18.
(41 035) from the number of
Solution Percent  base  amount
n  45  18 cases in 1987 (57 233).
n  18  45 • Write and solve the basic
n  0.40  40% percent equation for percent.
The amount represents a The base is 57 233 and the
decrease of 40%. amount is the amount of the
26. Strategy To find the percent decrease, decrease.
solve the basic percent equation Solution 57 233 – 41 035 = 16 198
for percent. The base is $800 and Percent  base  amount

n  57 233  16 198
the amount is $320.
n  16 198  57 233
n  0.2830  28.3%
n × 800 = 320
n = 320 ÷ 800 The amount represents a
n = 0.40 = 40% decrease of 28.3%.
The amount represents a 29. Strategy To find how much value the car
decrease of 40%. loses, solve the basic percent
27. Strategy Find the amount of the decrease equation for amount. The base is
by subtracting the number of $28 200 and the percent is 30%.
homicides the first year (610) Solution Percent  base  amount

from the number of homicides 30%  28200  n
0.30  28200  n
the second year (554).
8460  n

The car loses $8460 in value • Subtract the amount of the

after 1 year. decrease ($0.60) from the
30. Strategy To find the decrease in the number dividend last year ($1.60).
of employees, solve the percent Solution Percent × base = amount

37.5% × 1.60 = n
equation for amount. The base is
0.375 × 1.60 = n
1200 and the percent is 45%.
0.60 = n
The amount of decrease is $0.60.
45% × 1200 = n
1.60 – 0.60 = 1.00
0.45 × 1200 = n
540 = n The dividend this year is $1.00.
There is a decrease of 33. Strategy To find the percent decrease:

540 employees. • Find the amount of the
31. Strategy To find the average monthly decrease by subtracting
gasoline bill now: the earnings in 2008
• Find the amount of the ($31.6 million) from the
decrease by solving the basic earnings in 2010

($25.4 million).
percent equation for amount.
The base is $176 and the • Solve the basic percent
equation for percent. The
percent is 20%.
• Subtract the amount of the amount is the amount of the
decrease and the base is 31.6.
decrease ($35.20) from the
original amount ($76). Solution 31.6 – 25.4 = 6.2
Percent  base  amount
n  31.6  6.2
20%  176  n
n  6.2  31.6
0.20  176  n
n  0.196  19.6%
35.2  n
The amount of the decrease was
decrease of 19.6%.
$35.20.
176 – 35.20 = 140.80 34. Multiply the first test average by 0.05.
The average monthly gasoline
bill now is $140.80. Objective D Exercises
35. (3) Discount rate ×regular price = discount
32. Strategy To find the dividend this year:
• Find the amount of decrease (2) Regular price – discount = sale price
by solving the basic percent 36. (1) Regular price – sale price = discount
equation for amount. The
(3) Discount rate ×regular price = discount
base is $1.60 and the percent
is 37.5%.

37. Strategy To find the discount rate, solve Solution Percent  base  amount
the basic percent equation for 15%  450  n
percent. The base is $24 and the 0.15  450  n
67.5  n
amount is $8.
Solution Percent × base = amount The discount is $67.50.
n × 24 = 8 41. Strategy To find the discount rate, solve

n = 8 ÷ 24 the basic percent equation for
1 percent. The base is $140 and
n = 0.333. . . = 33 %
3
the amount is $42.
1
The discount rate is 33 %. Solution Percent × base = amount
3
n × 140 = 42
38. Strategy To find the discount rate, solve n = 42 ÷ 140
the basic percent equation for n = 0.30 = 30%
percent. The base is $72 and the The discount rate is 30%.
amount is $24. 42. Strategy To find the sale price:
Solution Percent  base  amount • Find the discount by solving
n  72  24 the basic percent equation for
n  24  72 amount. The percent is 16%
1
n  0.333  33 % and the base is $125.
3
• Subtract the discount ($20)
1
The discount rate is 33 % . from the original price ($125).
3
39. Strategy To find the discount, solve the 16%  125  n
basic percent equation for 0.16  125  n
amount. The percent is 20% and 20  n
the base is $400. The discount is $20.
Solution Percent × base = amount 125 – 20 = 105
20% × 400 = n The sale price is $105.
0.20 × 400 = n
43. Strategy To find the sale price:
80 = n
• Find the discount by solving
The discount is $80.
40. Strategy To find the discount, solve the
amount. The percent is 20%
basic percent equation for
and the base is $1.25.
amount. The percent is 15% and
• Subtract the discount ($.25)
the base is $450.
from the original price ($1.25).

Solution Percent  base = amount Critical Thinking

20% × 1.25 = n
46. No. Suppose the regular price is $100. Then
0.20 × 1.25 = n
0.25 = n the sale price is $75 because 100 – 0.25(100)
The discount is $.25 per pound. = 100 – 25 = 75. The promotional sale offers
1.25 – 0.25 = 1.00 25% off the sale price of $75, so the price is
The sale price is $1.00 per pound. lowered to $56.25 because 75 – 0.25(75) =
75 – 18.75 = 56.25. A sale that offers 50%
44. Strategy To find the discount rate:
off the regular price of $100 offers the
product for $50. Because $50 < $56.25, the
discount by subtracting the
better price is the one that is 50% off the
sale price ($120) from the
regular price.
regular price ($160).
Projects or Group Activities
equation for percent. The base
47. 35 to 44 years:
is $160 and the amount is the
4 819 000  2 597 000  2 222 000
amount of the discount. 2 222 000  2 597 000  0.8556  85.6%
Solution 160 – 120 = 40
35 to 54 years:
The discount is $40.
4 978 000  2 473 000  2 505 000
Percent  base  amount
2 505 000  2 473 000  1.0129  101.3%
n  160  40
n  40  160
55 to 64 years:
n  0.25  25%
3 674 000  1 924 000  1 750 000
The discount rate is 25%.
1 750 000  1 924 000  0.9095  91.0%
45. Strategy To find the discount rate:
65 to 74 years:
2 288 000  1 254 000  1 034 000
discount by subtracting the 1 034 000  1 254 000  0.8245  82.5%
sale price ($16) from the
regular price ($20). 75 to 84 years:
1 526 000  583 000  943 000
943 000  583 000  1.6174  161.7%
is $20 and the amount is the 85 years and older:
amount of the discount. 520 000  165 000  355 000
Solution 20 – 16 = 4 355 000  165 000  2.1515  215.2%
The discount is $4. Ages 85 years and older has the greatest
Percent  base  amount percent increase in population.
n  20  4
n  4  20
n  0.2  20%

Section 6.3 Solution 100 000 × 0.045 ×

9
= 3375
12
Concept Check The simple interest due is $3375.
1. Principal × annual interest rate × time (in
8. Strategy To find the simple interest,
years) = interest
multiply the principal by the
2a. $80 000 annual interest rate by the time
b. $5850 (in years).

8
c. 9.75% Solution 50000  0.095 
12
 3166.67
d. 9 months
The simple interest due is
3a. $10 000
$3166.67.
b. $850
c. 4.25% multiply the principal by the
d. 2 years annual interest rate by the time

(in years).
4. Simple interest is calculated on the original
9
principal. Compound interest is computed on Solution 20 000 × 0.088 ×
12
the original principal plus interest. = 1320
The simple interest due is $1320.
annual interest rate by the time
(in years).
(in years).
Solution 8000 × 0.06 × 2 = 960 8
Solution 4500  0.062   186
12
The simple interest owed
The simple interest owed is
is $960.
$186.
(in years).
(in years).
1
Solution 1500  0.075  1  168.75 75
2 Solution 7500 × 0.055 × ≈ 84.76
365
The simple interest due is $84.76
(in years).

12. Strategy To find the simple interest, 16. Strategy To find the total amount due:
multiply the principal by the • Find the simple interest due by
annual interest rate by the time multiplying the principal by
(in years). the annual interest rate by the
90 time (in years).
Solution 15000  0.074 
365 • Find the total amount due by
 273.70
adding the principal and the
The simple interest due
simple interest.
is $273.70.
9
Solution 9000  0.085   573.75
13. Strategy To find the maturity value of the 12
loan, add the principal and the 9000  573.75  9573.75
simple interest. The total amount you repay to
Solution 4800 + 320 = 5120 the bank is $9573.75.
The maturity value of the loan 17. Strategy To find the maturity value:
is $5120. • Find the simple interest due by
14. Strategy To find the maturity value of the multiplying the principal by
loan, add the principal and the the annual interest rate by the
simple interest. time (in years).
Solution 6500  80.14  6580.14 • Find the maturity value by
The maturity value of the loan adding the principal and the
is $6580.14. simple interest.

270
15. Strategy To find the total amount due: Solution 14 000  0.0525   543.70
365
• Find the simple interest due by 14 000  543.70  14 543.70
multiplying the principal by The maturity value is
the annual interest rate by the $14 543.70.
time (in years).
18. Strategy To find the maturity value:
• Find the total amount due by
• Find the simple interest due by
multiplying the principal by
simple interest.
the annual interest rate by the
8
Solution 12500  0.045   375 time (in years).
12
• Find the maturity value by
12500  375  12875
The total amount due on the loan
simple interest.
is $12 875.
18
Solution 500  0.069   517.5
12
5000  517.5  5517.5
The maturity value is $5517.50.

19. Strategy To find the monthly payment, Solution 57 000  0.09  5  25 650
divide the sum of the loan The interest due on the loan
amount ($225 000) and the is $25 650.
interest ($72 000) by the number
b. Strategy To find the monthly payment,
of payments (48).
divide the sum of the loan
225000  72000
Solution  6187.50 amount ($57 000) and the
48
interest ($25 650) by the number
The monthly payment
of payments (60).
is $6187.50.
57 000  25 650
Solution  1377.50
20. Strategy To find the monthly payment, 62
divide the sum of the loan The monthly payment
amount ($1900) and the interest is $1377.50.
($357.20) by the number of
23. Strategy To find the monthly payment:
payments (24).
1900  357.20 multiplying the principal by
Solution  94.05
24
The monthly payment is $94.05.
time (in years).
21a. Strategy To find the simple interest • Find the monthly payment by
charged, multiply the principal adding the interest due to the
($12 000) by the annual interest loan amount ($142 000) and
rate by the time (in years). dividing that sum by the
Solution 12 000  0.045  2  1080 number of payments (66).
The interest charged is $1080. Solution 142000  0.075  5.5  58575
b. Strategy To find the monthly payment, 142000  58575

 3039.02
66
divide the sum of the loan
The monthly payment
amount ($12 000) and the
is $3039.02
interest ($1080) by the number
of payments (24). 24. Strategy To find the monthly payment:
12 000  1080 • Find the simple interest due by
Solution  545
24 multiplying the principal by
The monthly payment is $545. the annual interest rate by the
22a. Strategy To find the simple interest due, time (in years).
multiply the principal by the • Find the monthly payment by
annual interest rate by the time adding the interest due to the
(in years). loan amount ($12 000) and
dividing that sum by the
number of payments (6).

6 Solution 12368.92  0.015  1

Solution 12000  0.085   510
12  185.53
12000  510 The finance charge is $185.53.
 2085
6
29. Strategy To find the finance charge,
The monthly payment is $2085.
multiply the unpaid balance by
25a. Student A’s principal is equal to Student the monthly interest rate by the
B’s principal; the students borrowed the number of months.
same amount of money. Solution 995.04  0.012  1  11.94
b. Student A’s maturity value is greater than The finance charge is $11.94.
Student B’s maturity value; Student A’s 30. Strategy To find the difference in finance
loan has a longer term and accumulates charges:
interest for a longer period of time. • Find the difference in monthly
c. Student A’s monthly payment is less than interest rates by subtracting
Student B’s monthly payment; the the smaller rate (1.15%) from
payments are spread out over a longer the larger rate (1.85%).
period of time for Student A, so Student A • To find the difference in
does not need to pay as much per month to finance charges, multiply the
pay off the loan. unpaid balance by the
difference in monthly interest
Objective B Exercises rates by the number of months.
26. Strategy To find the finance charge, Solution 0.0185  0.0115  0.007
multiply the unpaid balance by  0.7%
the monthly interest rate by the 1438.20  0.007  1  10.07
number of months. The difference in finance
Solution 118.72  0.0125  1  1.48 charges is $10.07.
The finance charge is $1.48. 31. Strategy To find the difference in finance
27. Strategy To find the finance charge, charges:
multiply the unpaid balance by • Find the difference in monthly
the monthly interest rate by the interest rates by subtracting
number of months. the smaller rate (1.25%) from
Solution 391.64  0.0175  1  6.85 the larger rate (1.75%).
The finance charge is $6.85. • To find the difference in
finance charges, multiply the
unpaid balance by the
difference in monthly interest
the monthly interest rate by the
rates by the number of months.
number of months.

Solution 0.0175  0.0125  0.005 Solution 2500  2.85744  7143.6

 0.5% The value of the investment after
687.45  0.005  1  3.44 20 years is $7143.60.
The difference in finance
36. Strategy To find the value of the
charges is $3.44.
investment after 15 years,
32. The finance charge was less than the multiply the original investment
minimum amount due, so each month part of by the compound interest factor.
the minimum payment will be applied toward Solution 3000  3.01747  9052.41
the balance. Then for the second month, the The value of the investment after
finance charge will be less than the finance 15 years is $9052.41.
charge for the first month because the
principal amount is less the second month
investment after five years,
than for the first month. Yes, you will
multiply the original investment
eventually be able to pay off the balance.
by the compound interest factor.
33. The finance charge the first month was Solution 20000  1.417625
exactly equal to the minimum monthly  28352.50
payment, so no money was applied to the The value of the investment after
principal amount borrowed. The second five years is $28 352.50.
month, the principal is the same as the first
38a. Strategy To find the value of the
month so the finance charge will again be
investment in five years,
$10, equal to the finance charge from the
first month. No, you will not eventually pay
off the balance with this payment plan.
Solution 75000  1.43226
 107419.50
Objective C Exercises
The value of the investment in
five years will be $107 419.50.
investment in 1 year, multiply
the original investment by the b. Strategy To find the amount of interest
compound interest factor. that will be earned, subtract the
Solution 750  1.040 80  780.60 original investment from the
The value of the investment after new value of the investment.
1 year is $780.60. Solution 107419.50  75000 

32419.50
The amount of interest earned
investment after 20 years,
will be $32 419.50.

39a. Strategy To find the value of the • Find the value of the
investment in 10 years, multiply investment after the second
the original investment by the year by multiplying the new
compound interest factor. investment (4245.44) by the
Solution 3000  2.01362  6040.86 compound interest factor.
The value of the investment in • Subtract the original value of
10 years will be $6040.86. the investment ($4000) from
the value of the investment
b. Strategy To find how much interest will
after two years.
be earned, subtract the original
Solution 4000  1.06136  4245.44
investment from the new value
4245.44  1.06136  4505.94
of the investment.
Solution 6040.86  3000  3040.86 4505.94  4000  505.94
The amount of interest earned in The amount of interest earned
10 years will be $3040.86. is $505.94.
40. Strategy To find the amount of interest 42. The amount of interest paid in five years on a
earned over a 20-year period: principal of $3500, invested at 6% annual
• Find the value of the interest, compounded semiannually.
investment after 20 years by

Critical Thinking
multiplying the original
43. You received less interest during the second
investment by the compound
month because there are fewer days in the
interest factor.
month of September (30 days) than in the
• Subtract the original value of
month of August (31 days). Using the simple
the investment ($2500) from
interest formula:
the new value of the
investment. 31
500  0.05   2.12
Solution 2500  5.20601  13015.03 365
30
13015.03  2500  10515.03 502.12  0.05   2.06
365
The amount of interest earned is
$10 515.03. Even though the principal is greater during
the second month, the interest earned is less
41. Strategy To find the amount of interest
because there are fewer days in the month.
earned over a two-year period:
• Find the value of the Projects or Group Activities
investment after one year by
44a. Strategy To find the value of the savings
multiplying the original
account after the deposit on
February 1, multiply the original
interest factor.

interest factor and add the September 1:

deposit. 1
814.15  0.06   4.07075
12
1
Solution 100  0.06   0.5  4.07
12
814.15  4.07  100  918.22
100  0.50  100  200.50
The value of the savings account 1
October 1: 918.22  0.06   4.5911
12
after the deposit is $200.50.
 4.59
b. Strategy To find the value of the savings 918.22  4.59  100  1022.81
account after the deposit on November 1:
March 1, multiply the original 1
1022.81  0.06   5.11405
investment by the compound 12
interest factor and add the  5.11
1022.81  5.11  100  1127.92
deposit.
1 December 1:
Solution 200.50  0.06   1.0025
12 1
1127.92  0.06   5.6396
 1.00 12
200.50  1.00  100  301.50  5.64
1127.92  5.64  100  1233.56
The value of the account after
The amount in the account on December 31
the deposit is $301.50.
(before the compounding occurs for
1
c. April 1: 301.50  0.06   1.5075 December) is $1233.56.
12
 1.51
301.50  1.51  100  403.01 Section 6.4
1 Concept Check
May 1: 403.01  0.06   2.01505
12
1. Mortgage
 2.02
403.01  2.02  100  505.03
1
June 1: 505.03  0.06   2.52515 2. Strategy To find the mortgage, subtract
12
 2.53 the down payment from the
505.03  2.53  100  607.56 purchase price.
1 Solution 197000  24550  172450

July 1: 607.56  0.06   3.0378
12 The mortgage is $172 450.
 3.04
3. Strategy To find the mortgage, subtract
607.56  3.04  100  710.60
the own payment from the
1
August 1: 710.60  0.06   3.553 purchase price.
12
 3.55
710.60  3.55  100  814.15

Solution 173000  34600  138400 b. Strategy To find the mortgage, subtract
The mortgage is $138 400. the down payment from the

purchase price.
4. Strategy To find the down payment, solve
Solution 350000  35000  315000
The mortgage is $315 000.
amount. The base is $850 000
and the percent is 25%. 9a. Strategy To find the down payment, solve
Solution Percent × base = amount the basic percent equation for

0.25 × 850000 = 212500 amount. The base is $240 000
The down payment is $212 500. and the percent is 15%.
Solution 0.15  240000  36000
5. Strategy To find the down payment, solve
the basic percent equation for The down payment is $36 000.
amount. The base is $625 000 b. Strategy To find the mortgage, subtract
and the percent is 30%. the down payment from the
Solution 0.30  625000  187500 purchase price.
The down payment is $187 500. Solution 240000  36000  204000
6. Strategy To find the CMHC fee, solve the The mortgage is $204 000.
basic percent equation for 10. Strategy To find the mortgage:

amount. The base is $150 000 • Find the down payment by
and the percent is 2.4% solving the basic percent
Solution Percent  base  amount equation for amount. The
0.024  150 000  3600 percent is 10% and the base is
The CMHC fee is $3600. $210 000.
7. Strategy To find the CMHC fee, solve the • Subtract the down payment
basic percent equation for from the purchase price.
amount. The base is $225 000 Solution Percent  base  amount

0.10  210000  21000

and the percent is 1.25%.
210000  21000
  189000
Solution Percent  base = amount
0.0125  255 000 = 3187.50
The mortgage is $189 000.
The CMHC fee is $3187.50. 11. Strategy To find the mortgage:

• Find the down payment by
8a. Strategy To find the down payment, solve
solving the basic percent
amount. The base is $350 000
percent is 5% and the base is
and the percent is 10%.
$180 000.
• Subtract the down payment
0.10  350000  35000
from the purchase price.
The down payment is $35 000.

Solution Percent  base  amount • Find the monthly mortgage

0.05  180000  9000 payment by multiplying the
180000  9000  171000
 mortgage by the monthly
The mortgage is $171 000. mortgage factor.
12. (iii); find 10% of the purchase price and • Compare the monthly
subtract this amount from the purchase price. mortgage payment with
$4000.
Objective B Exercises Solution 525000  0.0079079  4151.65
13. Strategy To find the monthly mortgage $4151.65  $4000
payment, multiply the mortgage No, the lawyer cannot afford the
by the monthly mortgage factor. monthly mortgage payment.
Solution 850000  0.0062911 17a. Strategy To find the mortgage:
 5347.40
The monthly mortgage payment
is $5347.40.
equation for amount.
14. Strategy To find the monthly mortgage • Subtract the down payment
payment, multiply the mortgage from the purchase price.
by the monthly mortgage factor. Solution 0.15  210000  31500

Solution 90000  0.0071643  644.79 210000  31500
  178500
The monthly mortgage payment The mortgage is $178 500.
is $644.79. b. Strategy To find the monthly mortgage
15. Strategy To determine whether the couple payment, multiply the mortgage
can afford to buy the house: by the factor in the Monthly
• Find the monthly mortgage Payment Table for a 15-year
payment by multiplying the loan at 6%.
mortgage amount by the Solution The factor from the Monthly
monthly mortgage factor. Payment Table is 0.0084386.
• Compare the monthly 178500  0.0084386  1506.29
mortgage payment with $800. The monthly mortgage payment
Solution 110000 × 0.0068218  750.40 is $1506.29.

$750.40 < $800 18a. Strategy To find the mortgage:
Yes, the couple can afford to buy • Find the down payment by
the house. solving the basic percent
16. Strategy To determine whether the lawyer equation for amount.
can afford the monthly mortgage • Subtract the down payment
payment: from the purchase price.

Solution 0.20  312500  62500 • Multiply the mortgage by the

312500  62500  250000 factor in the Monthly Payment
The mortgage is $250 000. Table for a 30-year loan
b. Strategy To find the monthly mortgage at 5.5%.
payment, multiply the mortgage Solution 0.25  299000  74750
by the factor in the Monthly The down payment is $74 750.

Payment Table for a 30-year 299000  74750  224250
loan at 4.75%. The mortgage is $224 250.
Solution The factor from the Monthly The factor from the Monthly
Payment Table is 0.0052165. Payment Table is 0.0056779.
250000  0.0052165 224250  0.0056779  1273.27
 1304.13 The monthly mortgage payment
The monthly mortgage payment is $1273.27.
is $1304.13.
21. Strategy To find the amount of the first
19. Strategy To find the mortgage payment: month’s payment that is interest
• Find the down payment. and the amount that goes to
• Subtract the down payment paying off the principal:
from the purchase price to find • Find the monthly simple
the mortgage. interest rate.
• Multiply the mortgage by the • Use the basic percent equation
factor in the Monthly Payment to find the interest owed for
Table for a 20-year loan the first month.
at 4.25%. • Subtract the interest owed for
Solution 0.30  799000  239700 the first month from the
The down payment is $239 700. monthly payment to find the
799000  239700  559300 amount of the payment that
The mortgage is $559 300. goes to paying off the
The factor from the Monthly principal.
Payment Table is 0.0061923. 0.06
Solution  0.005
559300  0.0061923  3463.35 12
0.005  500 000  2500
The interest owed for the first
is $3463.35.
month is $2500.
20. Strategy To find the mortgage payment:
3582.15  2500  1082.15
• Find the down payment.
The amount paid toward the
principal is $1082.15.
from the purchase price to find
the mortgage.

22. Strategy To find the amount of the first Payback = 733.76 × 360 months =
month’s payment that is interest $264 153.60 or $164 153.60 in interest
and the amount that goes to 164 153.60 – 100 745.60 = 63 408
paying off the principal:
By using the 20-year loan, the couple will
• Find the monthly simple
save $63 408.
interest rate.
• Use the basic percent equation
Projects or Group Activities
to find the interest owed for
25. In all calculations, the monthly simple
the first month.
0.0575
• Subtract the interest owed for interest rate is  0.004792.
12
the first month from the
Month 2:
monthly payment to find the
Amount to interest:
amount of the payment that
0.004792  244744.29  1172.81
goes to paying off the
principal. Amount to principal:
0.05 1429.75  1172.81  256.94
Solution  0.0041667
12
New principal:
0.0041667  720 000  3000
244744.29  256.94  244487.35
month is $3000. Month 3:
3865.10  3000  865.10 Amount to interest:
The amount paid toward the 0.004792  244487.35  1171.58
principal is $865.10. Amount to principal:
23. The amount of the first month’s payment that 1429.75  1171.58  258.17
goes toward the principal is (iii) New principal:

0.05 244487.35  258.17  244229.18
1610   300000.
12
Month 4:
Critical Thinking Amount to interest:
24. Choice 1: 8% for 20 years 0.004792  244229.18  1170.35
100 000 × 0.0083644 = 836.44/month Amount to principal:

1429.75  1170.35  259.40
Payback = 836.44 × 240 months =
$200 745.60, or $100 745.60 in interest New principal:
244229.18  259.40  243969.78
Choice 2: 8% for 30 years
100 000 × 0.0073376 = 733.76

Check Your Progress: Chapter 6 Solution 0.40  225  n

90  n
1. Strategy To find the unit cost, divide the 225 + 90 = 315
cost of the package by the The selling price is $315.
number of units in the package.
45.99
Solution  3.83 • Find the amount of the
12
decrease.
The unit cost is $3.83.
2. Strategy To find the more economical
equation for percent.
Solution 185 – 168 = 17
Solution 18.49  600  0.0308
n  185  17
12.99  450  0.0288
n  17  185
$0.031  $0.029
n  0.092
The more economical purchase
The percent decrease in the
is 450 grams for $12.99.
agent’s weight is 9.2%.
7. Strategy To find the sale price:
• Find the discount by solving
Solution 2.97  15  44.55
amount.
The total cost of 15 square yards
• Subtract to find the sale price.
of bluegrass sod is $44.55.
Solution 0.20  89.95  n
4. Strategy To find the percent increase: 17.99  n
• Find the amount of the 89.95 – 17.99 = 71.96
increase. The sale price is $71.96.
• Solve the basic percent 8. Strategy To find the simple interest due,
equation for percent. multiply the principal (1500)
Solution 8 billion – 7 billion = 1 billion times the annual interest rate
n7 1 (8% = 0.08) times the time in
n  1 7
years (18 months = 1.5 years).
n  0.143
Solution 1500  0.08  1.5  180
The percent increase is $14.3%.
The borrowers will pay $180 in
5. Strategy To find the selling price: interest.
multiply the principal, or unpaid
amount.
balance (365) times the monthly
• Add the markup to the cost.
interest rate (1.8%) times the
number of months (1).

Solution 365  0.018  1  6.57 Section 6.5

The finance charge is $6.57.
Concept Check
investment: 1. Use the basic percent equation to find 20% of
• Find the amount of interest the purchase price of the car.
earned by multiplying the 2. Monthly Payment Table
original principal (2500) by
the factor found in the
Compound Interest Table
3. Strategy To determine whether Amanda
(1.69040).
has enough money for the down
• Add the interest earned to the
payment:
principal.
Solution 2500  1.69040  4226
The value of the investment
equation for amount. The base
is $4226.
is $7100 and the percent
11. Strategy To find the mortgage: is 12%.
• Find the down payment by • Compare the required down
solving the basic percent payment with $780.
equation for amount. Solution Percent × base = amount
• Subtract the down payment 0.12 × 7100
from the purchase price. = 852 down payment
$852 > $780
Solution 0.20  236000  47200
236000  47200  188800 No, Amanda does not have
The mortgage is $188 800. enough for the down payment.
12. Strategy To find the monthly mortgage 4. Strategy To find the down payment, solve
payment, multiply the mortgage the basic percent equation for
(175 000) by the factor in the amount. The base is $23 500 and
Monthly Payment Table for a the percent is 15%.
15-year loan at 5.5%. Solution Percent × base  amount

0.15  23 500  3525
Solution The factor from the Monthly
Payment Table is 0.0081708. The down payment is $3525.
175000  0.0081708  1429.89 5. Strategy To find how much sales tax is

The monthly mortgage payment paid, solve the basic percent
is $1429.89. equation for amount. The base is
$26,500 and the percent is 12%.

Solution 0.12  26 500 = 318 Solution 416+ 46 = 462
The sales tax is $318. The total cost of the sales tax
and licence fee is $462.
6. Strategy To find the sales tax, solve the
basic percent equation for 10a. Strategy To find the sales tax, solve the
amount. The base is $28 500 and basic percent equation for
the percent is 13%. amount. The base is $9375 and
Solution Percent  base  amount the percent is 13%.

0.13  28 500  3705 Solution Percent  base  amount
0.13  9375  1218.75
The sales tax is $3705.
The sales tax is $1218.75.
basic percent equation for b. Strategy To find the total of the down
amount. The base is $32 500 and payment and the sales tax, add
the percent is 13%. the sales tax to the down
Solution Percent  base  amount payment.

0.13  32 500  4225 Solution 1875  1218.75  3093.75
The sales tax is $4225. The total cost of the down

payment and sales tax is
$3093.75.
amount. The base is $16 998 and 11a. Strategy To find the down payment, solve
the percent is 5%. the basic percent equation for
Solution Percent  base  amount amount. The base is $16 200 and
0.05  16 998  849.9 the percent is 25%.
The sales tax is $849.90. Solution Percent  base  amount
0.25  16 200  4050
9a. Strategy To find the sales tax, solve the
The down payment is $4050.
amount. The base is $3200 and b. Strategy To find the amount financed,
the percent is 13%. subtract the down payment from
Solution Percent  base  amount the purchase price.
0.13  3200  416 Solution 16 200 – 4050 = 12 150
The sales tax is $416. The amount financed is $12 150.
b. Strategy To find the total cost of the sales 12a. Strategy To find the down payment, solve
tax and licence fee, add the sales the basic percent equation for
tax ($416) and the licence amount. The base is $24 900 and
fee ($46). the percent is 15%.

Solution Percent  base  amount Objective B Exercises

0.15  24 900  3735 16. To find cost per kilometre, divide the cost by
The down payment is $3735. the number of kilometres.
b. Strategy To find the amount financed, 17. To find the cost to drive 23 000 kilometres,
subtract the down payment from multiply the number of kilometres by the
the purchase price. cost per kilometre.
Solution 24 900  3735  21165
18. Strategy To find the monthly truck
The amount financed is $21 165. payment, multiply the amount
13. Strategy To find the amount financed: financed by the monthly
• Find the amount of the down payment factor.
payment by solving the basic Solution 24 000 × 0.0230293 ≈ 552.70
percent equation for amount. The monthly truck payment is
The base is $45 000 and the $552.70.
percent is 20%. 19. Strategy To find the monthly car
• Subtract the down payment payment, multiply the amount
from the purchase price financed by the monthly
($45 000). payment factor.
Solution Percent  base  amount Solution 18 000  0.0307629  553.73
0.20  45,000  9000
The monthly car payment is
45 000  9000  36 000
$553.73.
The amount financed is $36 000.
20. Strategy To find how much it costs to
14. Strategy To find the amount financed:
operate a car, multiply the
number of kilometres (23 000)
by the cost per kilometre
equation for amount. The base
($0.49).
is $13 500 and the percent
Solution 0.49 × 23 000 = 11 270
is 25%.
The cost is $11 270.
21. Strategy To find the cost per kilometre:
• Find the total cost of the
0.25  13 500  3375 expenses over the 5-year
13 500  3375  10 125 period.
The amount financed is $10 125. • Divide the total cost by the
number of kilometres driven
15. The expression represents the total cost of
(75 000).
buying the car.

Solution 2 573 The down payment is $7399.

3650 36995 – 7399 = 29 596
14 764 The amount financed is $29 596.
11 457
29 596  0.0228035  674.89
 5 686
The monthly payment
38 129
is $674.89.
38 129  75 000  0.508
The cost is $0.51 per kilometre. 24. Strategy To find the monthly payment:
22a. Strategy To find the amount of the down
payment, solve the basic percent
Solution 0.20  28 850  n
from the purchase price to find
5770  n
the amount financed.
The down payment is $5770.
• Multiply the amount financed
b. Strategy To find the amount financed, by the factor found in the
subtract the down payment from Monthly Payment Table.
the cost of the tractor (28 850). Solution 0.25  56 500  14 125
Solution 28 850 – 5770 = 23 080
The down payment is $14 125.
The amount financed is $23 080.
56 500 – 14 125 = 42 375
c. Strategy To find the monthly payment, The amount financed is $42 375.
multiply the amount financed by 42 375  0.0191012  809.41
the monthly payment factor. The monthly payment
Solution 23 080  0.0189860  438.20 is $809.41.
The monthly payment
25. Strategy To find the cost per kilometre
is $438.20.
for gasoline, divide the total cost
23. Strategy To find the monthly payment: by the number of kilometres.
• Find the down payment by Solution 2685  26 000  0.103
solving the basic percent The cost was $0.10 per
equation for amount. kilometre.
from the purchase price to find Critical Thinking
the amount financed. 26. The monthly payment is $19 000 ×
• Multiply the amount financed 0.0194493 = $369.54. The total interest
by the factor found in the repaid is $369.54(12 × 5) – $19 000 ≈ $3172.
Monthly Payment Table.
Solution 0.20  36 995  n
7399  n

Projects or Group Activities 5. Strategy To find the commission, solve

27. After 1 year, the car is worth the basic percent equation for
30 000  0.17(30 000)  $24 900 amount. The base is $131 000
After 2 years, the car is worth
24 900  0.12(24 900)  $21 912
0.03 × 131 000 = 3930
The real estate agent’s
21 912  0.10(21 912)  $19 720.80
commission is $3930.
6. Strategy To find the commission, solve
19 720.80  0.10(19 720.80)  $17 748.72
amount. The base is $1050 and
17 748.72  0.10(17 748.72)  $15 973.85
the percent is 40%.
The car has depreciated by Solution Percent × base = amount
30 000  15 973.85  $14 026.15 0.40  1050  420
The cost per kilometre for depreciation is Ron’s commission is $420.
14 026.15  75 000  0.187  $0.19
Section 6.6 amount. The base is $5600 and
the percent is 1.5%.
Concept Check
1. Commissions are calculated as a percent
0.015 × 5600 = 84
of sales.
The stockbroker’s commission
2. To find the weekly wages, multiply the hourly is $84.
wage by the number of hours worked.
amount. The base is $22 500 and
3. Strategy To find the earnings, multiply
the percent is 20%.
the hourly wage by the number
of hours.
0.20  22 500  4500
Solution 11.50 × 40 = 460
The owner’s commission
Lewis earns $460.
is $4500.
4. Strategy To find the payment, multiply
9. Strategy To find the monthly salary,
the hourly wage by the number
divide the annual salary by 12.
of hours.
Solution 38 928 ÷ 12 = 3244
Solution 11 × 25 = 275
Keisha receives $3244 a month.
She pays the gardener $275.

10. Strategy To find the monthly salary, 16. Strategy To find the hourly wage, divide
divide the annual salary by 12. the total wage by the number
Solution 27  12  2325 of hours.
The plumber receives $2325 Solution 3400 ÷ 40 = 85
a month. Maxine’s hourly wage is $85.
11. Strategy To find the commission, solve 17a. Strategy To find the hourly wage for
the basic percent equation for overtime, multiply the regular
amount. The base is $4500 and wage by 2 (double time).

the percent is 12%. Solution 10.78  2  21.56
Solution Percent  base  amount Gil’s overtime hourly wage

0.12  4500  540 is $21.56.
Carlos’s commission was $540. b. Strategy To find the earnings, multiply
12. Strategy To find the commission, solve the overtime hourly wage by the
the basic percent equation for number of hours.
amount. The base is $450 and Solution 21.56  16  344.96
the percent is 25%. Gil earns $344.96 for overtime.
18a. Strategy To find the hourly wage on
0.25 × 450 = 112.5
Saturday, multiply the regular
The golf pro’s commission
hourly wage by 1.5 (time and
was $112.50.
a half).
13. Strategy To find the earnings, multiply Solution 21.84 × 1.5 = 32.76
the earnings per square metre by The hourly wage on Saturday
the number of square metres. is $32.76.
Solution 5.75  160  920
b. Strategy To find the earnings for
Steven receives $920. Saturday, multiply the hourly
14. Strategy To find the earnings, multiply wage by the number of hours.
the earnings per page by the Solution 32.76 × 8 = 262.08
number of pages. The lathe operator earns
Solution 3.75 × 225 = 843.75 $262.08.
The typist earns $843.75. 19a. Strategy To find the increase in pay for
15. Strategy To find the chemist’s hourly the evening shift, solve the basic
wage, divide the total wage by percent equation for amount.
the number of hours. The base is $12.68 and the
Solution 15 000  120  125 percent is 15%.
The chemist’s hourly wage
is $125.

Solution Percent  base  amount Solution

0.15  12.68  1.90 4826  1500  3326
The increase in pay is $1.90. Percent × base = amount
0.15 × 3326 = 498.90 commission
b. Strategy To find the hourly wage for the 250 + 498.90 = 748.90
evening shift, add the increase in The salesperson’s earnings were $748.90.
pay to the regular hourly wage
22. (iii); the assistant worked 41 hours, so
Solution 12.68 + 1.90 = 14.58
35 hours are paid at $20 an hour and 6 hours
The clerk’s hourly wage for the
are paid at time and a half, which is $30
evening shift is $14.58.
per hour.
20a. Strategy To find the increase in pay, solve
the basic percent equation for Critical Thinking
amount. The base is $31.50 and 23. 27.93  32.9  918.897  $918.90
the percent is 10%.
24. 27.70  33.0  914.1  $914.10
0.10 × 31.50 = $3.15. 25. 918.90  914.10  4.8
The nurse’s increase in pay n  918.90  4.8
is $3.15. n  4.8  918.90
n  0.0052
b. Strategy To find the hourly wage for the
night shift, add the increase in The percent increase was 0.5%.
pay to the regular hourly wage.

Solution 31.50 + 3.15 = 34.65 Projects or Group Activities
The nurse’s hourly pay 26a. 26 000  0.0073969  $192.32
is $34.65. b. 23.09  160  $3694.40
21. Strategy To find the earnings for the c. n  3694.40  192.32
week: n  192.32  3694.40
• Find the amount of sales over n  0.052  5.2%
$1500 by subtracting $1500
from the total sales ($4826).
Section 6.7
• Find the commission by
solving the basic percent Concept Check
equation for amount. The base 1. The payee is the person or business to whom
is the sales over $1500 and the the cheque is written.
percent is 15%.
2. A deposit
• Add the commission to the
weekly salary ($250).

Objective A Exercises 7. Strategy To find the current bank account

3. Strategy To find your current bank balance, add the amount of the
balance, add the deposit to the deposit to the old balance. Then
old balance. subtract the amount of the
Solution 342.51 + 143.81 = 486.32 cheque and the purchase.
Your current bank account 3476.85
Solution
balance is $486.32. + 1048.53
4525.38
4. Strategy To find the current bank account  848.37
balance, add the deposit to the 3677.01
old balance.  676.19
3000.82
Solution 1536.97  439. 21  1976.18
The current bank balance
The tire store’s current bank
is $3000.82.
balance is $1976.18.
8. Strategy To find the current bank account
5. Strategy To find the current bank account
balance, add the amount of the
balance, subtract the amount of
deposit to the old balance. Then
each purchase from the original
subtract the amount of each
balance.
purchase.
Solution 1204.63
Solution 427.38
 119.27
 127.29
1085.36
554.67
 260.09  43.52
825.27 511.15
The nutritionist’s current balance  249.78
is $825.27. 261.37
The current bank balance

6. Strategy To find Sam’s current bank
is $261.37.
account balance, subtract the
amount of the cheque and add 9. Strategy To determine whether there is
the deposit to the original enough money in the account,
balance. compare $675 with the current
Solution 3046.93 balance after finding the current
 1027.33 bank balance.
2019.60 404.96
Solution
 150.00 + 350.00
2169.60 754.96
Sam’s current bank account  71.29
balance is $2169.60. 683.67

$683.67 > $675

Yes, there is enough money in 13. The ending balance might be less than the
the carpenter’s account to starting balance because the cheque written
purchase the refrigerator. might be for an amount that is greater than
the sum of the two deposits.
10. Strategy To determine whether there is
enough money in the account, 14. The ending balance must be less than the
compare the amount of the starting balance because no deposits were
cheque with the current balance made that day.
after making the deposit.
Solution 149.85  245  394.85 Objective B Exercises
$387.68  $397.85 15. Solution Monthly income after taxes:
Yes, there is enough money in $2600
the taxi driver’s account to pay Average monthly bills:
the cheque. 1250

57
11. Strategy To determine whether there is 33
enough money in the account to 399
make the two purchases, add the 215
amounts of the two purchases 40
and compare the total with the 320
78
current balance.
 50
Solution 3500 + 2050 = 5550
2442
$5550 < $5625.42
Monthly income – average
Yes, there is enough money in
monthly bills:
the account to make the two
2600  2442  158
purchases.
He could deposit $158 into his
12. Strategy To determine whether there is
saving account each month.
enough money in the account to
16. Solution Monthly income: 2100
make the two purchases, add the
1700
amounts of the two purchases
3800
and compare the total with the
Monthly expenses: 875
current bank balance. 35
Solution 525  650  1175 28
$1175  $1143.42 179
310
No, there is not enough money 45
in the lathe operator’s account to 270
 50
make the two purchases.
1792

Monthly income – monthly Solution 1025.58 + 1805.82 +

expense: 37.92 + 288.27 = 3157.59
1700  1792  92 3157.59 ÷ 11 320  0.279
No, the budget is not balanced. The cost is $0.28 or 27¢ per
kilometre.
17a. 0.1 3500  350
He should be investing $350. 3. Strategy To find the percent increase:
b. 0.35  3500  1225
He should be spending $1225 on the house.
original price ($42.375) from
the increased price ($55.25).
Critical Thinking
18. When applied to a chequing account, a credit
is a deposit into the account. A debit is a
is $42.375 and the amount is
payment or withdrawal from the account.
the amount of the increase.
Projects or Group Activities Solution 55.25  42.375 = 12.875

n × 42.375 = 12.875
19. The first set of numbers is the routing
12.875
number for the bank where the chequing n=
42.375
account is located (where it was opened).  0.304
The second set of numbers is the chequing = 30.4%
account number. The third set of numbers is The percent increase is 30.4%.
the number of the cheque.
4. Strategy To find the markup, solve the
Chapter 6 Review Exercises amount. The base is $180 and
1. Strategy To find the unit cost, divide the the percent is 40%.
total cost ($5.99) by the number Solution 0.40 × 180 = n

72 = n
of units (250).
Solution 5.99 ÷ 250 = 0.023 The markup is $72.
The unit cost is $0.02 per gram 5. Strategy To find the simple interest,
or 2¢ per gram. multiply the principal by the
2. Strategy To find the cost per kilometre: annual interest rate by the time
• Find the total cost by adding (in years).
the amounts spent ($1025.58, 9

Solution 100 000 × 0.04 × = 3000
12
$1805.82, $37.92, and
The simple interest due is $3000.
$288.27).
• Divide the total cost by the
number of kilometres (11 320).

6. Strategy To find the value of the 0.04

Solution  0.00333333
investment in 10 years, multiply 12
0.00333333  350 000
the original investment by the
 1166.67
compound interest factor.
Solution 25 000 × 1.82203 = 45 550.75
month is $1166.67.
The value of the investment after
2120.93 – 1166.67 = 954.26
10 years is $45 550.75.
The amount paid toward the
7. Strategy To find the percent increase: principal is $954.26.
9. Strategy To find the monthly payment:
original amount ($4.12) from
the increased amount ($4.73).
percent is 8% and the base
is $24 450.
is $4.12 and the amount is the
• Find the amount financed by
increased amount.
subtracting the down payment
Solution 4.73  4.12 = 0.61
from the purchase price
n × 4.12 = 0.61
n = 0.61 ÷ 4.12 ($24 450).
n  0.15 • Multiply the amount financed
n = 15% by the monthly payment
The percent increase is 15%. factor.
Solution 0.08 × 24 450 = 1956
8. Strategy To find the amount of the first
24 450  1956 = 22 494
month’s payment that is interest
22 494 × 0.0230293  518.02
and the amount that goes to
The monthly payment is $518.02.
paying off the principal:
• Find the monthly simple 10. Strategy To find the value of the
interest rate. investment in one year, multiply
• Use the basic percent equation the original investment by the
to find the interest owed for compound interest factor.
the first month. Solution 50 000 × 1.07186 = 53 593
• Subtract the interest owed for The value of the investment will
the first month from the be $53 593.
monthly payment to find the 11. Strategy To find the down payment, solve
amount of the payment that the basic percent equation for
goes to paying off the amount. The base is $195 000
principal. and the percent is 15%.

Solution 0.15 × 195 000 = 29 250 16. Strategy To find the sale price:
The down payment is $29 250. • Find the amount of the
12. Strategy To find the total cost of the sales discount by solving the basic
tax and licence fee:
• Find the sales tax by solving The base is $235 and the
percent is 40%.
amount. The base is $28 500 • Subtract the discount from the
original price.
• Add the sales tax and the Solution 0.40 × 235 = n
94 = n
licence fee ($23).
235  94 = 141
Solution 0.13  28 500 = 3705 The discount price is $141.
3705 + 23 = 3728
17. Strategy To find the current bank balance,
The total cost of the sales tax
subtract the amount of each
and licence fee is $3728.
purchase and add the amount of
the deposit.
Solution 1568.45
the basic percent equation for 123.76
amount. The percent is 35% 1444.69
and the base is $1540. 756.45
• Find the selling price by 688.24
88.77
adding the markup to the cost.
599.47
Solution 0.35 1540  539
+344.21
539  1540  2079
943.68
The selling price is $2079.
The current bank account
14. Strategy To find how much of the balance is $943.68.
payment is interest, subtract the
principal ($65.45) from the total
payment ($222.78).
multiplying the principal by
Solution 222.78 – 65.45 = 157.33
The interest paid is $157.33.
time (in years).
15. Strategy To find the commission, solve • Find the maturity value by
the basic percent equation for adding the principal and the
amount. The base is $108 000 simple interest.
and the percent is 3%. 6
Solution 30 000 × 0.08 × = 1200
Solution 0.03 × 108 000 = n 12
3240 = n 30 000 + 1200 = 31 200
The commission was $3240. The maturity value is $31 200.

19. Strategy To find the processing fee, solve • Find the number of overtime
the basic percent equation for hours worked by subtracting
amount. The base is $75 000 and the regular weekly schedule
1 (40) from the total hours
the percent is 1 %.
2 worked (48).
Solution 0.015 × 75 000 = 1125 • Find the wages earned for
The processing fee is $1125. overtime by multiplying the
20. Strategy To find the more economical overtime wage by the number
purchase, compare the unit costs. of overtime hours worked.
Solution 3.49 ÷ 480 = 0.0072 • Find the wages for the 40-hour
6.99 ÷ 990 = 0.0070 week by multiplying the
The more economical purchase hourly rate ($12.60) by 40.
is 990 millilitres for $6.99. • Add the pay from the overtime
hours to the pay from the
21. Strategy To find the monthly mortgage
regular week.
payment:
Solution 1.5 × 12.60 = 18.90
48  40 = 8; 8 × 18.90
= 151.20
equation for amount. The base 40 × 12.60 = 504
is $356 000 and the percent 504 + 151.20 = 655.20
is 10%. The total income was $655.20.
23. Strategy To find the donut shop’s current
subtracting the down payment
chequebook balance, subtract the
amount of each bill and add the
• Find the monthly mortgage
amount of each payment.
payment by multiplying the
Solution 9567.44
amount financed by the
 1023.55
monthly mortgage factor. 8543.89
Solution 0.10 × 356000 = 35600
 345.44
356000  35600 = 320400
8198.45
320400 × 0.006653 = 2131.62
 23.67
The monthly mortgage payment 8174.78
is $2131.62. + 555.89
8730.67
22. Strategy To find the total income:
+ 135.91
• Find the overtime wage by
8866.58
multiplying the regular wage
The donut shop’s balance is
by 1.5 (time and half).
$8866.58.

24. Strategy To find the monthly payment, 4. Strategy To find the percent increase:
divide the sum of the loan • Find the amount of the
amount ($55 000) and the increase by subtracting the
interest ($1375) by the number original price ($415) from the
of payments (4). increased price ($498).
55000 + 1375 • Solve the basic percent
Solution = 14093.75
4 equation for percent. The base
The monthly payment is is $415 and the amount is the
$14 093.75. amount of the increase.
25. Strategy To find the finance charge, Solution 498  415 = 83

n × 415 = 83
n = 83 ÷ 415
n = 0.20 = 20%
number of months.
The percent increase in the cost
Solution 576 × 0.0125 × 1 = 7.2
of the exercise bicycle is 20%.
The finance charge is $7.20.
• Find the amount of the markup
Chapter 6 Test
by solving the basic percent
1. Strategy To find the cost per foot, divide equation for amount. The
the total cost ($138.40) by the percent is 40% and the base
number of feet (20). is $315.
Solution 138.40 ÷ 20 = 6.92 • Add the markup to the cost
The cost per foot is $6.92. ($315).
2. Strategy To find the more economical Solution 0.40 × 315 = 126
purchase, compare the unit 315 + 126 = 441
prices of the items. The selling price of a Blu-ray
Solution 7.49 ÷3 or 12.59 ÷ 5 disc player is $441.
7.49 ÷ 3  2.50
12.59 ÷ 5  2.52
The more economical purchase
is 3 kilograms for $7.49.
original value ($1498) from
3. Strategy To find the total cost, multiply the increased value ($1684).
the cost per kilogram ($9.75) by • Solve the basic percent
the number of kilograms (3.5). equation for percent. The base
Solution 9.75  3.5  2.785 is ($1498) and the amount is
The total cost is $2.79. the amount of the increase.

Solution 1684  1498 = 186 sale price ($5.70) from the

n × 1498 = 186 regular price ($9.50).
n = 186 ÷ 1498 • Solve the basic percent
n  0.124 = 12.4%
The percent decrease is 12.4%.
is $9.50 and the amount is the
7. Strategy To find the percent decrease: amount of the discount.
• Find the amount of the Solution 9.50  5.70 = 3.80
decrease by subtracting the n × 9.50 = 3.80
decreased value ($896) from n = 3.80 ÷ 9.50
n = 0.40
the original value ($1120).
n = 40%
is $1120 and the amount is the 10. Strategy To find the simple interest due,
amount of the decrease. multiply the principal by the
Solution 1120  896 = 224 annual interest rate by the time
n × 1120 = 224 in years.
n = 224 ÷ 1120 4
Solution 75 000 × 0.08 × = 2000
n = 0.20 12
n = 20% The simple interest due is $2000.
The percent decrease is 20%.
8. Strategy To find the sale price: • Find the simple interest due by
• Find the amount of the multiplying the principal by
discount by solving the basic the annual interest rate by the
percent equation for amount. time (in years).
The base is $299 and the • Find the maturity value by
percent is 30%. adding the principal and the
• Subtract the amount of the simple interest.
discount from the regular
9
Solution 25000 × 0.092 × = 1725
price ($299). 12
Solution 0.30 × 299 = n 25000 + 1725 = 26725
897 = n The maturity value is $26 725.
299  89.70 = 209.30
The sale price of the corner
hutch is $209.30.
9. Strategy To find the discount rate: number of months.
• Find the amount of the Solution 374.95 × 0.012 × 1 = 4.50
discount by subtracting the The finance charge is $4.50.

13. Strategy To find the interest earned: • Subtract the down payment
• Find the value of the from the purchase price.
investment in 10 years by Solution 0.20  23750  4750
multiplying the original 23750  4750  19000
investment by the compound The amount financed is $19 000.
interest factor. 17. Strategy To find the monthly car
• Find the interest earned by payment:
subtracting the original • Find the amount of the down
investment from the new value payment by solving the basic
of the investment. percent equation for amount.
Solution 30000 × 1.81402 = 54420.6 The base is $33 714 and the
54420.60  30000 = 24420.60
percent is 15%.
The amount of interest earned in
10 years will be $24 420.60. subtracting the down payment
14. Strategy To find the CMHC fee, solve the from the purchase price
basic percent equation for ($33 714).
amount. The base is $160 000 • Multiply the amount financed
and the percent is 3.15%. by the monthly mortgage factor.
Solution 0.035 × 160 000 = 5040 Solution 0.15  33714  5057.10
The CMHC fee is $5040. 33714  5057.10  28656.90
28656.90  0.0239462
 686.224
payment, multiply the mortgage
The monthly car payment
amount by the monthly
is $686.22.
mortgage factor.
18. Strategy To find Shaney’s total weekly
Solution 222 000 × 0.0077182 ≈ 1713.44
earnings:
• Find the hourly overtime wage
is $1713.44.
for multiplying the hourly
16. Strategy To find the amount financed:
wage ($30.40) by 1.5 (time
• Find the amount of the down
and a half).
payment by solving the basic
• Find the earnings for overtime
by multiplying the number of
The base is $23 750 and the
overtime hours (15) by the
percent is 20%.
hourly overtime wage.

• Find the earnings for the Cumulative Review Exercises

normal hours worked by
multiplying the number of 1. 12  10  8 ²  2+3
12  2²  2 + 3
hours worked (30) by the 12  4  2 + 3
hourly rate ($30.40). 12  2 + 3
10 + 3 = 13
• Add the earnings from the
night hours to the salary from 1 8
2. 3 3
the normal hours. 3 24
1 3
Solution 30.40  1.5  45.60 4 4
8 24
15  45.60  684 1 2
+1  1
30  30.40  912 12 24
684  912  1596 13
8
24
Shaney earns $1596.
3 9 57
19. Strategy Find the current balance by 3. 12 = 12 = 11
16 48 48
subtracting the each debit charge 5 20 20
9 = 9 = 9
and adding the deposit to the 12 48 48
original balance. 37
2
7349.44 48
Solution
1349.67
5 9 45 24
5999.77 4. 5  1  
8 15 8 15
 344.12 45  24
5655.65 
8  15
 956.60 1 1 1 1 1
6612.25 3 · 3 · 5 · 2 · 2 · 2 · 3
  9
2 · 2 · 2 · 3 · 5
The current balance is $6612.25. 1 1 1 1 1
20. Solution Monthly income: $1800 1 1

1  2 · 2
3 7 7 7 4 7·
Monthly expenses: 850 5. 3  1      2
2 4 2 4 2 7 2 · 7
1 1
125
260 2
 3  3 1 1
65 6.       
4 8 4 2
82
 28  3 3  3 2 1
       
1410  4 4  8 8 2
Monthly income – monthly 9 1 1
  
expense: 16 8 2
1800 – 1410 = 390 9 8 1
  
16 1 2
Yes, the monthly budget is
9 1 10
balanced.    5
2 2 2

7. 14. n  20  8.4
n  8.4  20  0.42  42%
15. 0.12  n  30
n  30  0.12  250
16. 0.42  n  65
n  65  0.42  154.76
17. Strategy To find the total hours worked

last week, add the three amounts
 3 1 2 
17  3 , 8 , and 6 hours  .
8.  17  12 4 2 3
12
3 9
Solution 3 3
1.4166 4 12
12 17.0000 1 6
8  8
12 2 12
50 2 8
6  6
48 3 12
20
23 11
12 17  18
80 12 12
72 The total hours worked is
80
11
72 18 hours.
8 12
17 18. Strategy Find the amount paid in taxes by

 1.416
12 multiplying the total monthly
$410 income ($4850) by the portion

9. = $51.25/hour
8 hours  1
paid in taxes   .
 5
5 16
10.  1
n 35 Solution 4850 × = 970
5  35  n  16 5
175  n  16 The amount paid in taxes
175  16  n is $970.
10.9375  n
19. Strategy To find the ratio:
10.94  n
5 500 decrease by subtracting the
11.  100%  %  62.5%
8 8
decreased price ($30) from the
12. 6.5% of 420 = 0.065 × 420 = 27.3 original price ($75).
13. 18.2 × 0.01 = 0.182 • Write in simplest form the

ratio of the decrease to the
original price.

Solution 75  30 = 45 Solution 0.20  900  180

45 3 900  180  720
=
75 5 The sale price is $720.
3
The ratio is . 24. Strategy To find the selling price:
5
• Find the amount of markup by
20. Strategy To find the number of kilometres solving the basic percent
driven per litre of gasoline, equation for amount. The base
divide the number of kilometres is $85 and the percent is 40%.
driven (417.5) by the number of • Add the markup to the cost.
litres used (52). Solution 0.40  85  34
Solution 417.5 ÷ 52 = 8.02 85  34  119
The mileage was 8.0 kilometres The selling price of the grinding
per litre. rail is $119.
21. Strategy To find the unit cost, divide the 25. Strategy To find the percent increase:
total cost ($17.65) by the • Find the amount of the
number of kilograms (8). increase by subtracting the
Solution 17.65 ÷ 8 ≈ 2.206 original value from the value
The cost is $2.21 per kilogram. after the increase.
22. Strategy To find the dividend on • Solve the basic percent
200 shares, write and solve a equation for the percent. The
proportion. base is $2800 and the amount
80 200 is the amount of the increase.

Solution =
112 n Solution 3024  2800 = 224
80 × n = 112 × 200 n × 2800 = 224
80 × n = 22 400 n = 224 ÷ 2800
n = 22 400 ÷ 80 n = 0.08
n = 280 n = 8%
The dividend is $280. The percent increase in Sook
23. Strategy To find the sale price: Kim’s salary is 8%.
• Solve the basic percent 26. Strategy To find the simple interest due,
equation for amount to find multiply the principal by
the amount of the discount. the annual rate by the time
The base is $900 and the (in years).
percent is 20%. 6
Solution 120 000  0.045   2700
• Subtract the discount from the 12
regular price. The simple interest due is $2700.

27. Strategy To find the monthly payment: 29. Strategy To find the cost per kilometre:
• Find the amount financed by • Find the total cost by adding
subtracting the down payment the expenses ($1840, $520,
from the purchase price. $185, and $432).
• Multiply the amount financed • Divide the total cost by the
by the monthly mortgage number of kilometres driven
factor. (10 000).
Solution 26 900  2 000  24 900 Solution 1840
24 900  0.0317997  791.812 820
185
The monthly car payment is
432
$791.81.
3277
28. Strategy To find the new bank account 3277  10 000  0.3277
balance, add the deposit to the The cost per kilometre is about
original balance and subtract the $0.33.
debit amounts.
Solution 1846.78
payment, multiply the mortgage
568.30
2415.08 amount by the monthly
123.98 mortgage factor.
2291.10 Solution 172 000 × 0.0071643 ≈ 1232.26
47.33 The monthly mortgage payment
2243.77 is $1232.26.
The family’s new bank account
balance is $2243.77.

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CHAPTER VIII
Louis-Marie was really ill, though his complaint, it seemed, baffled
diagnosis. He was sunk in an extreme debility, which from a moral
had become a physical one. There appeared nothing wrong with him
constitutionally; but he dreamt, and saw vampires, and the
substance of his eternal illusions figured in “blood-boltered” forms.
Nightly they sucked him, and daily his increasing wanness testified
to their inhuman appetites. He faded to a frail image of himself, very
pitiful in its suggestion of a sick prince of porcelain. Any sudden
noise, like the opening of a door, was enough now to make him start
and shake with terror. A footstep outside the window vibrated in his
nerves for minutes after it had passed. His heart was become a very
seismograph to record alarms. But the unexpected entrance of
anyone into the room most perturbed him. A furtive aghast look, an
artificial rally and instant physical collapse, were the almost certain
consequences of such an intrusion. Once, at a chance mention of
Bonito’s name, he sunk back in his chair as if under a stroke.
Cartouche, who was present and distressfully concerned, attributed
his state to a sort of hysterical resentment against that minister of ill-
luck, and struggled to overlay some conscious contempt of it with a
real anxious commiseration.
“Have you soothed him, reassured him?” he asked of Molly
Bramble, when that frail sweet of Nature came down to him to report
upon the invalid.
“I have left him asleep,” she said.
He tramped to and fro in the little room, pondering a psychologic
problem.
“He fainted when I told him of another loss—a real poignant one
that time. Here’s a mere slip of Fortune—a few ducats rolled into the
gutter. He’s already recovered more than their equivalent in
abstinence. Are these good people so utterly wanting in a sense of
proportion?”
“Think what it meant to him, Cherry!”
“And what did it mean, Mollinda?”
“Why, to go a-courting, to be sure, with that in his hand to
recommend him.”
“Does he think she needs that form of persuasion? I would not
condescend to break my heart on such a mistress. He’s no worse off
than he was.”
“Well, he mayn’t be. But how about her?”
Cartouche stopped, and took the girl’s soft chin in his hand.
“Talk about what you understand, you little village wench,” he said.
“You was bred in a cottage, and think in pence. A guinea is your
standard of corruption. Noble natures are not bought with gold.”
She did not move: but her eyes, unwinking, filled with tears.
“Thank you for reminding me,” she whispered.
Remorse smote him; but still an angrier, or a worthier, feeling
made him stubborn.
“Pish, Mollinda!” he said; “we’ve agreed to compromise there on a
better sentiment. That proves you noble too, my girl.”
She looked him fearlessly in the eyes, though her own were like
wet forget-me-nots.
“Do you know she’s here—in Turin?” she said.
“No.”
“Well, she is. You needn’t start and let me go. She’s nothing to
you.”
“Why should she be? Who told you?”
“He did.”
She gulped, but did not stir.
“Tell me honest,” she said. “Is it for my sake, or for hers, that
you’re so anxious all of a sudden to be good?”
He delayed to answer. She gripped him, quickly and fiercely.
“If I knew for certain what I’ve feared,” she cried low, “I’d kiss and
cling until you gave me back what I’ve lost—I would, for all it damned
us both together.”
She broke from him, and went hurriedly out of the room. Reaching
the invalid’s door above, she paused to the sound of a little cry
within, hesitated, and entered.
Louis-Marie was sitting up on his bed. His eyes were wide with
fever. He greeted her appearance with something like a sob.
“Who is it?” he whispered. “Has he come? My God, don’t keep me
in this suspense!”
She hastened to comfort him—the more emotionally; perhaps,
because her own heart was very full.
“There’s nobody—indeed there isn’t.”
“I heard voices.”
“It was only ours—Mr Trix’s and mine.”
He sank back, with the sigh of a reprieved soul; but was up again
almost immediately, stroking and fondling the girl’s hand. His eyes
had grown flushed and maudlin out of relief. The sensuous fever of
him was uppermost.
“Dear little nurse!” he murmured; “dear kind little Molly! You never
fail to frighten the dreams away. I think you could cure me altogether
if you would.”
She sat on the bed, suffering his caresses, because, as she
wilfully told herself, they were lavished on her as another’s proxy.
Would she could act so indeed, in the manner of those Eastern
enchantments of which she had read, and secure that other’s
compromise without hurt to herself! He was emboldened by her
passiveness.
“Molly,” he whispered: “if you would only put your face—here,
down by mine, on the pillow.”
She did not stir. He stole an arm about her.
“We could make it all right afterwards,” he said, with a thick little
laugh. “If I once had that reason, as I have the power, to mend
something I’d done, I think I could face the world like a giant. It’s only
shadows that upset me. Perfection, I’ve come to see, was never
meant for men. It’s better to sin a little, if one does penance for it—
better than being a saint. We know that on good authority, Molly,
don’t we? I’ll promise amendment—I will, on my honour—and—and
—are you fond of jewels, Molly?”
She slipped from him, and to her feet.
“Are you dreaming still?” she said. “Do you take me for her? We
don’t do these things in our class.”
She had had her little revenge, and flushed triumphantly to it. It
were supererogation to confess—what he did not know—that she
was engaged in these matters to another. But, after all, the creature
was a man, and his offence therefore nothing very terrible. Of
course, if it had signified treachery to his blood-brother, that were
another pair of shoes. But, inasmuch as only the betrayal of his fine
lady-love was implied by it—why, the Marchioness di Rocco might
very well profit by learning that her supposed pre-eminence in men’s
hearts was at least open to challenge. A light sentence—as she
considered it—was enough to meet this case.
She stood away, panting—a very ruffled little amourette, and thrice
desirable in those plumes.
“I wouldn’t promise on my honour, if I was you, my good
gentleman,” says she. “’Tisn’t much to trust on, when you can speak
to me like that, and you sworn to another. I wonder what she’d think
of it all. You’d best go to sleep, and get the better of yourself.”
He caught at her, the poor devil, as she was going, all his gauche
libertinism snubbed out of him at a breath. The loss of his self-
respect was nothing to this sudden realisation of his contemptible
immaturity in vice, and of her recognition of it. There is no such
crestfallen dog in all the world as your seducer held up to ridicule by
his intended victim. He appealed to her abjectly:—
“Don’t go—don’t! I am so ill. I didn’t mean what—what you
suppose. My brain is all on fire. He wouldn’t allow for that!”
“He? Who?” she demanded, withdrawing from him. He still
pursued her with his hands, distraught, half frenzied:—
“You’re going to tell him, I know; and he so believes in me. It would
be cruel, wicked, to shatter his faith. You ought to think of the
demoralising effect on him—and—and I’m not myself, you know that
perfectly well. I say and do things I had never thought of once.”
“Do you mean Mr Trix?” she said.
“You know I do,” he cried. “It would be wicked to tell him!”
She stood conning him gravely a little. There had been no thought
of tale-bearing a minute ago in her liberal heart. But now, for the first
time, it began to consider that policy, in the light of a possible
retaliation on a suspected rival. The “demoralising effect” on him, her
Cherry, quotha! What, indeed, if she were to try that effect, with the
result that it evoked jealousy there, anger, indignation, a declaration
of his exclusive and never-foregone property in her, his Molly’s,
person? It might serve for the very means to dissipate this sad veil of
continence which had come to fall between them, and which, only
out of the inherent purity of her love, she had agreed to respect. For
spiritual relationships, it must be admitted, were water-gruel to this
poor Mollinda, and tinctured with wormwood at that, when, as in the
present case, they carried suspicions of the disinterestedness of the
party suggesting them.
Should she go and tell him in truth? No, it wasn’t fair to this other
fellow, for all the exhibition he had made of himself. But her
conscious prettiness was something to blame, no doubt, in that
matter; and, after all, he had been guilty of no disloyalty to his friend.
Her ethics of the heart were Nature’s ethics, founded on a frank
recognition of the logic of feminine lures, and the reasonableness of
wanting to pluck inviting fruit when one was thirsty. A parched man
could not be expected to drink water when wine was going.
Nevertheless, he deserved a measure of punishment, less for his
fault than for his mean attempt to escape its consequences. A little
suspense, she decided, just a moderate spell on the rack, would do
him no harm—might even prove salutary.
“I’ll promise naught,” she said. “It would just amount to my allowing
a secret between us; and you aren’t the man for my confidence—no,
nor for any part of me. Besides, if you didn’t mean nothing, why
should you be afraid? I’ll do as I think fit, and speak or hold as it suits
me.”
She whisked away, leaving the adorable fragrance of a dream
unfulfilled to clinch the poor creature’s damnation. She did not know,
could not know, how thorough that was at this last. She would have
been horrified, kind heart, to realise how her balmy breath had blown
a smouldering fire into devouring flame; how it had sentenced this
victim of “little-ease” to be transferred to the pillory. For indeed in that
sorry yoke did she leave Louis-Marie exposed to himself, and, as he
thought, to all the world.
There is a form of morbid self-consciousness which is
characterised by a perpetual turning inward of the patient’s moral
eye. The man subject to it sees—especially during the wakeful hours
of the night—his own past deeds and words imbued with a meaning
of which they had appeared quite innocent when acted or spoken.
He writhes in the memory of mistakes of self-commission or
omission, which no one other than himself, probably, is troubling to
recall, or is even capable of recalling. What an ass somebody must
have thought him under such and such circumstances, is the
reflection most distressingly constant to his mind. Nevertheless,
while eternally holding himself the irreclaimable fool of untactfulness,
he remains to his own appreciation a thing of price, which he himself
is for ever giving away for nothing Modesty is no part of his
equipment though he is so sensitively conscious of his own failings.
He cannot detach himself from himself, in fact, or, even once in a
way, realise comfortably his own insignificance in the serene
philosophy of the Cosmos.
So far for his tortured memory of solecisms, real or imaginary,
committed by himself. When it comes to the question with him of a
genuine conscience-stricken introspection, his reason is in the last
danger of overthrow.
Now, Louis-Marie’s was a temperament a little of this order. It was
the temperament of a man at once thin-skinned and bigoted,
righteous and passionate. It had all the conceit and the sensitiveness
of conscious virtue. The fellow could never forget himself, in the
abstract sense—believe that people were not incessantly thinking
and talking of him. A morbid diathesis is the inevitable result of such
self-centralisation. Acutely sentient, it will learn to inflame to the least
thrust of criticism, and to brood eternally over the pointlessness of its
own ripostes. Then, at last, when it comes to sin, as it is bound some
time to do, it will take its lapses with a self-same seriousness as it
took its merits. It is always, in its own vanity, a responsible example;
people are always regarding it. Its attitude, as a consequence, will
become a pose; but by now it is a fair rind hiding a rotting kernel.
The devastating grub has entered, and it dare not reveal itself by
expelling it. It hugs its disease in secrecy, hoping against hope for
some interior process of healing. How can self-centredom heal
itself? There comes a day when the last film cracks, and its
emptiness stands exposed to the world.
Louis-Marie, abandoned to his reflections, thought that that day
had arrived for him. His hollow pretence was on the point of being
laid bare; he was to be made the subject of a universal contempt and
execration. A moment’s temptation had revealed him to himself for
the sham thing he was—would reveal him to Gaston—would reveal
him, in the certain course of scandal, to Yolande. For ever more now
he must be an outcast from social respectability. His life, for all that it
was worth, was virtually at an end.
Practically, too, it seemed almost. He fell back on his bed in a
death-sickness, and lay there without movement, without conscious
thought, for hours.
Cartouche, returning, very quiet and sombre, from his interview
with a great lady in the Palace, heard him moaning to himself, as he
passed his door, and went softly in. The room was in darkness; only
a faint light from the lamps outside fell spectrally across the figure
stretched on the bed. He crossed hurriedly to it and bent over.
“What is it, brother? Are you so ill?”
Saint-Péray uttered a little weak cry between terror and rapture.
“Gaston! is it you? I believe I am dying.”
“No, no.”
“I have so waited for you, sinking and struggling to keep above.
This load! I can endure it no longer. You are so strong—I seem
always to have clung to you—my brother—and you will take some of
the burden? Yet how can I ask you! O, my God, my God! to what can
I appeal!”
“Why not to my love, Louis?”
“Ah! your love!—there were older claims to it. You don’t know—
you know nothing of it all—of what I am and have been—of what I
am capable, even, when tempted. Or do you? are your eyes opened
a little since—but what does it matter! I will confess everything; I—O,
my Yolande! my Yolande!”
“Now hush! and listen—do you attend? I am but this moment
come from her.”
“You—O, Gaston! fetch me a priest—I am going!”
“She loves you still—I say, she loves you still. Is not that the best
priest—and doctor, too? I will go and fetch her.”
The sick man clutched at him frantically.
“And confirm my sentence? You shall not. Though it parts us for
ever, I must speak. I could live, I think, if once this load were thrown.
Gaston!—”
“I am listening.”
“It was I murdered di Rocco!”
CHAPTER IX
The burden cast, the released soul ran out and on, babbling, half-
delirious, growing in noise and volume, until, flowing to waste, it sunk
into the silence of exhaustion.
“I knew—as you all know now—what he intended, and where he
was going. I had been informed secretly, and I set out to waylay him.
Coming to the point from which he was to cross the glacier, I hid
among the stones; and presently I saw him approach. There were
great clouds, but a little starlight between—enough to make him
sure. On the slope of the moraine a drunken scoundrel, who carried
a lantern, veiled till then, rose to greet him. He was the other’s guide
and pander—and for whose undoing? O, my God! O, my God,
Gaston! Think what it meant—to me! to heaven! and heaven was the
coward at the last. It was all for me to do alone—prevent this horror,
if I could not persuade it. God sleeps, I think, when the riddles of
mortal wickedness get too much for Him: and then He wakes, and
chastises weak Nature for its false solutions. It is so easy to say This
must not be, and ignore the circumstances which will make this, and
no other, inevitable.
“I saw them meet, I say; and even then I could scarcely believe
that upon me, and me alone was thrust God’s responsibility to the
maze He had permitted. Yet I had no thought at the first, I swear, but
to prevail through gentleness. As I followed them down upon the ice,
a prayer was in my heart that, seeing itself discovered and exposed,
this sin would come to own itself—would at least deprecate my worst
suspicions of it, and, if for policy alone, go the practical way to allay
them. I did not know the man—no spark of decency or honour left to
leaven his vileness—a liar without shame. How I came upon him is
all a dream in my mind. I had pursued the light, now here, now gone,
but always rekindling somewhere in front; until in a moment it
stopped, and I had overtaken it. He was alone; had just, it seemed,
re-lighted the lantern, and was taking breath from the exertion, while
it rested near him on the snow. The other had disappeared, and we
two stood face to face and alone in the heart of that desolation. I
don’t know what I said to him, or he to me—things, on his part,
monstrous beyond speaking. His tongue lashed me like a flame—
drove me to madness. God should have torn it out; but God was
sleeping. He would scourge me, he said, before he crucified. For he
meant to kill me for my daring, and cast my body into a crevasse he
pointed out hard by, and whistle up my ghost to follow and witness to
his filthy triumph. He was a great man, a great power, a giant of
strength and wickedness. But, as he came at me, he slipped, as
even a giant may, and I put my knife into his heart.”
The voice, in the dark room, shrilled into a febrile transport; the
weak hand was re-playing its ecstatic deed. And the watcher sat
without a word or sign, and listened—listened.
“I heard his soul go from him like a hiss of fire—and then the storm
burst upon me. It flogged me in a moment into reason; I saw the
crevasse stretching at my feet; and I heaved him towards it, and
heard him go down. Knife and all he went; and after them I cast the
lantern, and then there was nothing more—only my love, my love’s
safety, the guerdon of my red hands.
“It was that one thought which saved me, while I cowered and let
the storm roll over. Then I returned by the way I had come. I don’t
know what guided my footsteps: I knew nothing more until I awoke in
my bed to light, and the blast of that mad memory.”
He paused a moment, while his soul seemed to fume on his lips:
then burst out once more:—
“A curse upon those who forced the deed upon me—who would
have made a wanton of my idol! They are to blame—they are to
blame, not I! I struck to keep God’s law immaculate—I was all alone,
while He slept; and I struck to vindicate His law. And He awoke, and
damned me for my deed—no palm of martyrdom; but torture, the
endless torture of a haunted wickedness—agues of sickness and
terror—threats, menaces—a guilty conscience. Am I guilty? O,
Gaston! where is heaven? ... I lost her that I might save her: her
shrine was my heart, and I bloodied it. What she had been to me, not
you nor anyone can realise—saint, sweetheart, loveliness—too
divine for passion, and too passionate for heaven—God’s earnest to
me of immortal raptures. Why, I lived in her—worshipped her. O, my
God, my God, Gaston! If she was more to me than heaven, was that
a just rebuke to me to make her foul? ... You all know now, I say,
what I knew then. Put yourself in my place—that man—filthy iniquity
—no grace of truth or honour—a ruttish beast. O! he was your friend,
I know—forgive me—what a friend! I had been stone till then—till it
was whispered to me what he designed—stone, with a heart of fire.
Perhaps I had built a little on the thought of that year’s respite—a
year in which to hold him at bay while we prayed and prayed for God
to intervene. O, a cry to stone!—no hope, no response. When I killed
him, I plucked the dagger from my own heart to plunge it into his.
Was not that good, even then—to send him to his account, saving
his soul those last two mortal sins? Tell me, Gaston, was it not
good?”
“It was good and just, Louis—to lose her for ever that you might
save her for ever.”
The wild shape on the bed ceased its convulsive transports, while
it seemed to meditate the answer. Presently it spoke again, but
feebly, as if in a gathering exhaustion:—
“Yes, I have lost her for ever—you mean it, indeed, Gaston?”
“He was her husband, Louis. Will you confess to her? Could she
marry you if you did? Could you marry her if you did not? You did
right, I say. I take the burden of your conscience as a light one, and
commit you to rest.”
“Gaston!”
The poor wretch struggled to express his gratitude and relief. In
the midst, his voice trailed into incoherence, and ceased. Cartouche,
looking at him, saw that he had topped the crisis and was asleep.
********
Self-composed, an exquisite sans reproche, carrying, sword-like, a
sort of sombre blitheness in his speech and mien, the Prefect of
Faissigny descended to his duties on the morning succeeding that
poignant interview. These were prefigured for him in the shape of a
waiting chaise and postillions, bespoken overnight, and attending
now in the street outside his windows; and, more intimately, in an
early bird of domesticity, who was busying herself with the
preparation of some worm-like sticks of bread, and the fastidiously-
exacted proportions of a cup of chocolate and coffee. He greeted her
with a half-remorseful, half-irritable allusion to her swollen eyes.
“My faith, girl! You look as if you had been fighting in your dreams,
and got the worst of it.”
She faced on him bravely.
“And so I have, and so I have—been fighting with my thoughts,
and got my punishment. Won’t you kiss them well, Cherry?”
“Put a blister to a blain, child! That would never do.”
She held up her sweet soft lips to him.
“Put it there, then, and show you’ve forgiven me.”
“Forgiven!” he cried cheerfully, and moved away. “I’ve nothing to
forgive but a rogue to our compact. Come, bustle, girl, bustle! I must
be off.”
She flushed, as if she had been stung; but she obeyed, entreating
no more.
“You must go, then?” she said presently—“for real and true,
Cherry?”
He shrugged impatiently.
“Haven’t I told you that I’m to receive his keys of office to-morrow
from the old Prefect at Le Prieuré, and the congés of his staff?
Morituri me salutant. Shall I be Cæsar and subject to an apron-
string? There are rogues waiting to be hung, and conscripts to be
plucked and dressed. Be quick, child, be quick, or di Rocco’s
murderer may escape me!”
“Cherry!” she cried out aghast—“was he murdered?”
He gave a curious violent laugh.
“The King says so: and the King can speak no lie. Come, I must
go.”
She busied herself about his needs and comforts. Once she
paused.
“When will you be back?”
“How can I tell!” he answered hurriedly. “What a drag on a restless
wheel! There! don’t cry. I shall come again, never fear. I shall—”
He was suddenly ready, and standing fixedly before her, his hat on
his head, a heavy cloak over his arm. His voice, his manner, had all
at once taken on a tone significant, forceful, imperious.
“I have a thing to say before I go—one last thing. Attend to it well.
M. Saint-Péray is asleep this morning. I think he is better now, and
will recover. But from this moment the treatment is to be changed—
no mending of an idyll any longer; no leading of him that way to hope
and sanity. What I set you to do I set you now to undo. The end we
once designed has become impossible. Do you understand? They
cannot ever marry now.”
“Why not?” Her voice was like a death-cry far away.
“She’s not for him, I say. Let that suffice. If he is weak—he may be
—be strong for him. He’ll thank you some day. For the rest, bear
what I say in mind—they must be kept apart at any price.”
He gazed at her earnestly a minute, pressed her hand, and was
gone. She did not follow him to the door. She stood as he had left
her, quite silent and motionless. A bee, a whiff of apples were blown
in together at the open window. The sing-song of a bell, high up and
distant somewhere, rippled in soft throbbings through her brain. A
crow cawed in the trees opposite. There was a chair near her, a plain
Windsor cottage chair, which Cartouche had bought at a sale to
please some whim of hers. She threw herself down at its feet, and
prostrate, as if praying, over the hard wood, fell into a convulsion of
crying.
“O, mammy! Come and take your bad girl home to England!”
CHAPTER X
Dr Bonito sat isolated at a little table in the self-same Café where
he and Louis-Marie had once before consorted. The table stood well
in the middle of the room, and under an uncompromising glare of
candles. Thus, and in public, your wise plotter will station himself for
security. It is a mistake to suppose that, because his plans are
obscure, he will seek obscure corners for developing them. Panels
have ears; and even a tree, however solitary on a plain, may be
hollow. Dr Bonito sat, for all his stale and fusty exterior was worth, in
the light.
Judged by it, he seemed, indeed, too spare a vessel to contain
much worth discussion. He was like one of those little sticks of
grassini, all crust. Each of the tiny sips he took from a tiny glass of
vermouth at his side suggested the threading of a needle. There was
no question of breadth or openness in him anywhere. Shrewd,
wintry, caustic, he was just as cold, as sharp and as bowelless as a
needle—a thing all point and eye.
The latter, visionless as it appeared, never lost account of the
minutes ticking themselves away on a dingy clock on the wall. They
were Destiny’s forerunners to the doctor, few or many; but he had
too much wit to question the delays of Destiny. She had to travel by
roundabout roads very often.
And she was pretty punctual on the present occasion, arriving in
the person of a small, child-faced gentleman, so pacific in
expression, that the cloak and brigand’s “slouch” he wore were
nothing less than an outrage on credulity. He came up to the isolated
table, and claimed its tenant in a voice so little and soft that at a yard
distant it might have passed for a purr:—
“Greeting to thee, Spartacus, Provincial of Allobrox!”
Bonito’s acknowledgment was in like tone, but surly and between
his teeth—half purr, half spit:—
“Greeting, Maître-d’Hôtel-in-Ordinary to King Priam—or, greeting,
Caius Sempronius Gracchus, illuminatus minor!—whichever you like
best to be called by.”
“Can you doubt, master?”
“I give myself no concern about it. Sit down, schoolboy.”
The little man obeyed, meek and deferential. Bonito cast a
supercilious look at him.
“You grow sleek on plenty, Maître d’Hôtel. Beware! Do you not see
the walls of Cosmopolis rising inch by inch to the clouds? We shall
put on the roof in a little, and hang our flag from it. How about your
office then? There will be no fat sinecures there for such as you.”
“Master, I desire no greater privilege, now or ever, than that of
following your footsteps.”
“A pampered pug; a greasy, royal lick-platter. Look at me—
Spartacus, Provincial of Allobrox—to thee, as Jupiter to a call-boy!
My footsteps, quotha! Art thou not Apicious, pug?”
“No, indeed. My gluttony is all for knowledge.”
“Wouldst be content to dine with me day by day on the liberal air?”
“Ay, assuredly, if I could come by it to thy greatness of vision.”
“Wise Sempronius! How, then, am I great to him?”
“How but in all that he lacks—wisdom, precognition—great in
everything.”
“Save in my midriff—as I were a King, great in all possessions but
that of a Kingdom.”
“The universe is your scroll: the water is your mirror: the wind is
your subject.”
“Yes, I am full of that subject.”
“Your mind can traverse empty space.”
“And does every day, I assure you, thinking on my stomach.”
“To me—little catechumen of our order—you figure for
Omnipotence.”
“Alack! and I cannot command a meal. Set all this wisdom against
one smoking dish, the scrolls of heaven against a bill of fare, and
observe my choice. Beef and ale are the Fates we gods are subject
to. You fly too high for us. Why, look you, little man, I am so empty
sometimes I could think of insulting a swashbuckler, only that he
might force me to swallow my own words.”
“Master, if I might—why will you never let me—?”
“What! Omnipotence stoop to be treated by its scullion!”
“The Pope takes Peter’s pence.”
“The Pope?—swine of Epicurus! No more, Sempronius. At least
I’ve learned to walk on air—by so much nearer godhead—go great
distances on it too—from Epopt to Regent, from Regent to Magus,
from Magus to Areopagite. Nay—let me whisper it—in moments of
thrilling venture, even into the heart of the Greater Mysteries, where,
supreme and invisible, I take my throne as lord.”
“What! of us all—General of the Illuminati?”
The little man whispered it awestruck, then twittered into ecstasy.
“And why not, great Spartacus, mage and mastermind? What
should keep you from even that stupendous goal?”
“Why, indeed, child, I know of no worse obstacle than my poverty.
Nor is that to question the pure altruism of our Creed. But promotion
to great offices must necessarily depend on one’s material capacity
to support them. Reforms, whether to practical republics or moral
communisms, require financing; and the long purse will naturally
grudge the first credit for that to the short one. To be supreme lord of
self-sacrifice, one must be able to exhibit supremely one’s title to the
distinction. If that were to be gained by no more than making nobly
free with other people’s money, I should have ten thousand rivals to
dispute my right to the pre-eminence. And justly. It’s reason, I say,
and I don’t complain. Still, the time may come—”
“It must, master; it shall.”
Bonito pondered, with some indulgent condescension, the other’s
mild, fanatic face. The creature was but a “minerval”—an Illuminatus,
that is to say, having his foot on the lowest rung of that ladder on
which he himself stood relatively exalted. But it is pleasant to be
apotheosised, even by an insignificant groundling; and the pleasure,
though to a philosopher, may lose nothing from the fact of that
groundling’s social superiority. For, indeed, if Caius Sempronius
Gracchus was not the rose, he could say, with Benjamin Constant,
he lived near it. He was a house-steward in the royal palace, in fact,
and, as such, a useful humble auxiliary to these forces of anti-
monarchical transcendentalism, whose policy it was to titillate the
ears of their neophytes with a jargon of classical pseudonyms, and,
by endowing mediocrity with resounding titles, to stimulate it to a
fervid emulation of its prototypes. Caius Sempronius Gracchus, an
enthusiastic, well-meaning little rantipole, could conceive for himself
no more flattering destiny than to be some time Tribune under this
omniscient Praetor in the coming Cosmopolis. He lived for ever, for
all his little albuminous brain was worth, in that cloudy castle. And
Bonito found him useful.
This strange man, indeed—who let himself be supposed of the
Rosicrucians, a discredited sect, merely to cover his connection with
the later and much more formidable Society of the Illuminati—
desired wealth only as a means to his personal advancement in his
own mysterious Order. All his plans were directed to that end and to
none other. Money, for its own sake, he despised; but money alone
could direct his line of curvature towards the heart, the holy of holies,
of that great centrifugal force, which, under the name of Illuminati, or
the Enlightened, was destined—in its own conception, at least—to
revolutionise the political systems of the world.
And what was that heart? And why did its attainment figure so
covetable to this close-locked, thin-blooded misanthrope? It
represented to him, one must suppose, an ideal of power to which
no existing autocracy could afford a parallel—a power to be likened
only to the sun of one of those starry systems which his brain had
warped itself in considering—a power, the focus of countless
satellites humming harmonious worship about it in revolving belts of
light—a power, in short, which was vested, solely and indivisibly, so
far as mundane affairs were concerned, in the person of the
General of all the Illuminati.
Well, as to this General, this veiled prophet, “old nominis umbra,”
mystic, unapproachable. A plain word in season, as to him and his
system, must suffice for an irreverent generation. He was a
stupendous mystery to his creatures; and was designed to be. Like
an unspeakable spider, he commanded, from their middle point of
contact, the radiations, with all their concentric rings, of a vast web of
political intrigue, every touch on which was communicated to, and
answered by, him automatically. He was elected, in the first instance,
from amongst themselves, by a council of twelve, called the
Areopagites. These were the virtually absolute, analogous to the
Roman Decemviri. Thence, in successive gradation, extended the
inferior orders: the national directors, each, also, entitled to his
council of twelve; the provincials, or magistrates of provinces, having
their courts of regents; and the deans of the Academies of priests, or
epopts, who were seers and star-gazers to a man. Beyond these,
the Mysteries diffused themselves by way of the Chevalier ecossais,
or first initiate, to the noviciates of illuminatus dirigens, illuminatus
major and illuminatus minor, until they touched limit in the simple
proselyte or freshman, of whom is a boundless credulity in the forces
of secrecy.
That was exacted of him, as were also an unquestioning
obedience and inviolable devotion to the mandates of his order—
blind faith, in fact. He took an absurd name, foreswore his will, and
mastered the calendar of the brotherhood—if he was wise enough.
Great folly, to be sure, but folly is wisdom’s catspaw. The gods know
the value of gilding a fool’s eyes. These Asphandars and
Pharavardins, these pseudonyms and Allobroxes (which last, by the
way, meant the Province of Faissigny), were only so much harlequin
tinsel irradiating the body of a stern purpose. Behind all the glittering
foppery was existent a very resolute and far-reaching design—one
no less than the universal decentralisation of governments, and the
qualification of the world-citizen. It was no small ambition, perhaps,
that of aspiring to the generalship of the Illuminati.
And, if Fortune had fooled Dr Bonito by a quibble, money still
remained to him the sovereign test of truth. The stars had read him
his destiny, for all that that earthly goddess, being earthy, had
delighted to falsify their calculations. It was her way. It was his to
trust a higher ruling, and to have faith in its verification by the way
the stars had pointed. Money, money! by whatever means he must
obtain it. His present interview was only a step in that direction.
“Well, well,” he said, “the future’s in the womb of Destiny. Enough,
Sempronius—say no more; but deliver your report. We treat of Paris
and of Helen in the Court of Priam.”
The other looked cautiously about him before he answered,—
“She’ll not have Paris, master: she has refused him.”
“What!”
“Yes, yes—the King despite; and out of favour, by the token—she
and her father—and retired to her own villa in the Via della Zecca,
while Paris has taken his outraged heart to Allobrox, there to vent its
dudgeon in our suppression.”
“We’ll see to that. A fine Prefect! Worthy of such a Priam! But, for
the other—she has not refused him, I say.”
“She has, indeed.”
“Yet he proposed for her?”
“That’s certain.”
“And enough for me. Acute Sempronius, thou little wise and
worming man! We’ll have thee on the Council some day. Now, go; I
have my cue. Refused him, has she? Well, he’ll be gone indefinitely
—and time to act. Vale, Sempronius!”
CHAPTER XI
Molly Bramble was, and had always been, within the pale of her
social limitations, a perfectly good girl, sweet, modest and
wholesome. Child of a class rather prone, in its maternal
admonitions, to awaken a precocious curiosity as to the signs and
indications which distinguish the bad male fruit from the good, to put
its virgins on their guard against suggestion by suggesting, she was
even a little remarkable for her artless pudency. As maid and
milkmaid she had invited no offence, guarded her bosom from so
little as a sun-ray’s wanton kissing, cherished her sweet honour,
jealously but simply, within the bounds her state prescribed.
But she had had no arts to negotiate it beyond these, and, when
the ordeal came, and she heard it called a lovely superstition by lips
adorable in seduction, her innocence must yield it, for the archaism it
was pronounced, to that bright masterful intelligence.
It had all dated, alas! from a village wedding—or alas or not alas—
she had never thought to give it a sigh till now. Zephyr the god,
coming over the hill, had taken Chloris unawares amongst her
flowers; and the way of a god was not woman’s guilt, but joy. Shame
could not come to blossom from that divine condescension. For its
sake, she had even stiffened to something of a precisian in
questions of maidenly decorum.
And now? The sigh, wafted from that distant scene, had overtaken
her at last. Those weddings, those weddings! Chaste procurers to
the unchaste. How men took advantage—of their feasts and
dancings, of beating pulses and warm proximities, of the sense of
neighbouring consummations—to plead the dispensations of the
hour! Recalling that plea, her god seemed all at once to reveal
himself a mortal thing, and subject to the mortal laws of change. She
felt no longer secure in him through her own unchanging faith. Her
faith was shaken.
The glory of the morning fields; blown blue skies and the squirt of
milk into pails; the cosy sweetness of ricks; pigeons, and the click of

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Prep Test Objective A Exercises

7. 3.333  3.33 Solution 5.99 ÷ 255 ≈ 0.026

Section 6.1 8. Strategy To find the unit cost, divide the

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container of ice cream by 2. Solution L’Oréal shampoo:

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18. Strategy To find the more economical Objective C Exercises

2.6333 < 2.84 the unit cost ($12.99) by the

Wagner’s vanilla extract is the number of units (0.65).

more economical purchase. Solution 12.99 × 0.65 ≈ 19.984

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the price per bag for Tea A. A box of Tea A

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6. Strategy To find the percent increase: average airfare at Christmas

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• Add the increase to number of • Add the increase to the

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26. Strategy To find the percent decrease, decrease.

solve the basic percent equation Solution 57 233 – 41 035 = 16 198

for percent. The base is $800 and Percent  base  amount

by subtracting the number of $28 200 and the percent is 30%.

homicides the first year (610) Solution Percent  base  amount

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The car loses $8460 in value • Subtract the amount of the

of employees, solve the percent Solution Percent × base = amount

There is a decrease of 33. Strategy To find the percent decrease:

31. Strategy To find the average monthly decrease by subtracting

gasoline bill now: the earnings in 2008

• Find the amount of the ($31.6 million) from the

decrease by solving the basic earnings in 2010

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n × 24 = 8 41. Strategy To find the discount rate, solve

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Solution Percent  base = amount Critical Thinking

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Section 6.3 Solution 100 000 × 0.045 ×

b. $5850 (in years).

d. 2 years annual interest rate by the time

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is $6580.14. simple interest.

The maturity value is $5517.50.

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b. Strategy To find the monthly payment, 142000  58575

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6 Solution 12368.92  0.015  1

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Solution 0.0175  0.0125  0.005 Solution 2500  2.85744  7143.6

The value of the investment after new value of the investment.

1 year is $780.60. Solution 107419.50  75000 

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The amount of interest earned in The amount of interest earned

10 years will be $3040.86. is $505.94.