So do I have to replace Hangouts with Allo on my phone? But I want the chats on my phone to be the same chats on my desktop, and I want backups saved and searchable.

Google needs to straighten this damn thing out. There is nothing wrong with Hangouts. All they need to do is incorporate the “Allo/Duo” features into it. They should have simply stuck with the brand, and just went with “Hangouts for Business”. Once people adopt a way of doing something, they are VERY reluctant to…

Question 1 is missing an important qualifier: “Suppose you had $100 in a savings account with no maintenance fees...”

The first question would be more tricky if it were more than $110, =$110 or less than $110.

Any 6th grader should be able to answer the first two.

The first and second are simple math. The third requires a little rudimentary investment knowledge I think. Any college graduate should be able to answer the first two.