1. Initial public offerings (IPOs) are primary .......... by companies that were not publicly traded prior to the offering.

2. The dollar amount of a depository institution's reserve .......... is determined by applying the reserve ratios specified in the Federal Reserve Board's Regulation D to an institution's reservable liabilities.

3. In order to create a .......... chart, you must have a data set that contains open, high, low and close values for each time period you want to display; the hollow or filled portion is called the 'body', while the long thin lines above and below the body represent the high/low range and are called 'shadows' (or 'wicks' and 'tails').

4. Workers in ..........-employer plans who switch employers end up with smaller retirement checks because their pension from the first employer is frozen and they must start over earning retirement benefits.

5. .......... is the process of taking private property for public use through the power of eminent domain; when private property is taken by the government, the owner is entitled to receive just compensation.

6. A tax .......... is an investment strategy designed to allow you to take a tax loss in your portfolio while at the same time adjusting factors such as credit quality, maturity, etc. to better meet your current needs and the outlook of the market.

7. A transaction is .......... if it increases the number of shares outstanding for a corporation, and for this reason, a transaction is also said to be so if it reduces earnings per share, since the denominator of this ratio is the number of shares outstanding.

8. Even though the mutual fund investor is not legally bound, .......... accumulation plan may have some requirements, such as a minimum number of purchases per year or a minimum annual investment amount; the investor should be aware of this, and decide whether an open account might be more suitable.

9. Investors must ask, "What am I paying for and what should I expect in return as a Genentech shareholder?"; I believe that most prudent long-term investors will conclude that they're paying for a great company, but one that's so .......... valued it won't deliver the kind of returns that will make its considerable risks worthwhile.

10. MidAmerica .......... Exchange, founded in 1868, is the fourth-largest in the US, providing futures contracts, mostly in agricultural products such as pigs, oats and soya beans, and also in precious metals and some financial products.