Exam Information

An exam proctor will begin reading exam instructions approximately 15 minutes before the exam start time. Students must be in the exam room with their exam at this time. If taking the exam on a laptop, it must be booted up and have passed the security check. Hand writers must not have a laptop with them in an exam room, unless otherwise allowed according to the professor’s instructions. A student entering the exam room after the proctor begins reading instructions will not receive additional time for booting up their laptop, passing the security check, and/or reading exam instructions.

When instructed by the proctor, write your exam number on the cover page of your exam, bluebooks, and any scratch paper you turn in as part of your exam. Handwritten exam answers must be written in blue books in blue or black ink. Number the bluebooks you use (1 of 1, 1 of 2, 2 of 2, etc.). Proctors will allow time to read the professor’s instructions. Other than counting the number of pages of the exam, students are not permitted to turn the page of an exam past the instructions page until the proctor instructs them to do so.

When taking a closed-book exam, no books, outlines, book bags, purses, or scratch paper (other than the scratch paper provided) may be at your seat during the exam. These items must be left outside of the exam room or in the front or sides of the exam room. Students may not begin to write anything, including on scratch paper, before the proctor begins a closed-book exam.

Students taking in-class exams are prohibited from having any electronic communication device, other than a laptop as allowed per the professor's instructions, during the exam. Cell phones and smart watches must be turned off during the exam and placed in a bag or backpack. Violations of this rule may be considered an Honor Code violation. A clock in each exam room will be the official timekeeper for the exam.

Non-alcoholic beverages are permitted in exam rooms; however, the container must have a lid.

After the exam instructions have been read and the exam begins, the proctor will remain in the room. Any student who has a question or problem during an exam should see the proctor.

Students may use the restroom or take a break during an exam. However, all exam materials must be left in the exam room and no additional time will be given. Students must sign in and out at the front of the room with the proctor.

Best No-Exam Life Insurance Of June 2023

A no-exam life insurance policy may not be able to provide the full coverage amount you need, especially if you’re looking to cover many working years or the years of raising a family.

Before you start getting life insurance quotes, calculate how much life insurance you need. A no-exam policy alone may not be able to provide sufficient coverage.

Getting life insurance without a long application process is appealing, but don’t jump into a no-exam life insurance application without understanding your chances of getting approved. Many no-exam policies require very good or excellent health for approval. A denial goes on your insurance record and could hinder future applications.

Don’t be surprised if you end up doing a more traditional application process, including a life insurance medical exam if you’ve had some health issues.

Of course you don’t want to overpay for life insurance, but research more than cost. There are coverage options that can be very valuable long after you buy the policy, such as the option to convert term life to permanent life insurance. Also, look at whether there’s an accelerated death benefit, which gives you access to money from your own death benefit if you become terminally ill.

No matter what type of life insurance you’re applying for, be thorough and truthful on the application.

“Pay attention to each question carefully and be ready to respond with information around specific medical conditions you have. Giving more detailed information will help streamline the process as well as get a more accurate underwriting decision,” says Tavan of Legal & General America.

Intentional misrepresentations can lead to application denials or, worse, denial of a claim after you pass away. Life insurance companies have many ways to verify application information. Technology on the backend allows them to verify data from additional sources.

If the company rejects you for no-exam life insurance because of your health, don’t give up your life insurance search. If you need life insurance, you likely have other routes.

Looking for traditional term life insurance? See Forbes Advisor’s ratings of the best term life insurance.

Three questions facing Real Madrid after Champions League embarrassment by Manchester City

After already watching Barcelona win La Liga, Real Madrid are now out of the Champions League after a 5-1 aggregate loss to Manchester City. In what has not been a Madrid-like season, going into Manchester and being toothless in attack only highlights how disappointing the season has been despite the club winning the Copa Del Rey and Club World Cup. With Los Blancos at full strength, this is the type of game that makes you wonder what Carlo Ancelotti's future may hold with the club with one more season on his deal and reported interest from the Brazil national team. 

Backed by president Florentino Perez ahead of facing Manchester City, the expectation is for Ancelotti to return next season but with former Madrid midfielder Xabi Alonso performing well at Bayer Leverkusen and Julian Nagelsmann on the market, there are managers who can lead the squad if Ancelotti decides to leave or is pushed out. No matter what, the future is bright for Real Madrid but there are a few questions that the club will need to answer if they want to get back to winning every trophy that they compete for next season.

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Karim Benzema is Madrid and he has done an excellent job leading the line since he joined from Olympique Lyon in 2009. But while he has been excellent, Benzema doesn't have a true backup and he's now 35. Beginning to miss almost as many games as he features in, this is an area where Los Bancos need to inject youth into the squad. Endric is a phenom who will join Real Madrid from Palmieras in July of 2024 after turning 18, but he won't be ready out of the gate to help the attack. It's a similar situation to that of Vinicius Junior who was supposed to go back to Flamengo on loan but stuck with the club, but Endrick will be hard to project.

Los Blancos have tried to sign strikers in the past like Luka Jovic but finding someone who is ready to step right into the lineup is easier said than done. One solution that Ancelotti has found this season is playing Vini Jr. and Rodrygo together to lead the line. The duo have devastating pace and while they can miss easy chances, the team can create so many chances with them atop the lineup that it evens out. With the club still being in the Kylian Mbappe sweepstakes long term, if Benzema misses time next season, I'd expect Madrid to sign additional wingers to play the duo up top.

One of Ancelotti's best tweaks this season was a forced one to move Camavinga to left back when Ferland Mendy went down with an injury. Camavinga was struggling to break into midfield but his ball skills shined out wide as he was given more time on the ball. Only 20, he can end up playing anywhere, but with Toni Kroos and Luka Modric aging, Madrid needs to determine what his best position is. If it's defense, another midfielder is needed but if not, a left back is needed.

Jude Bellingham is already linked to a move to Real from Borussia Dortmund which would give them one of the best cores of young talent in the world, but if Camavinga stays in defense, Bellingham and  Aurelien Tchouameni alone won't be enough to carry the first team midfield although they provide an excellent base to build on. Dani Ceballos was able to break into the squad and will have a role next season but it's about augmenting the space around an excellent core.

Realisitacy both wing back positions are an issue for Los Blancos heading into next season. Carvajal will likely enter the season as the starter but with how often he gets suspended, they have to get a backup who can step in. Alvaro Odriozola can play occasionally against bottom-half teams in La Liga but he doesn't provide the same level of cover to use in a Champions League game to inject pace into the lineup.

Top teams almost have two XIs that can compete in their domestic leagues but this season Real Madrid have had depth problems. If they're able to fix those over the summer, nothing will stand in their way from more trophies.