question: that is why employees are bernina's most important asset.
Capitalize this past sentence correctly.
A: That is why employees are BERNINA's most important asset.

question: they are not the only thing that determines the amount of investment and are not necessarily even the most important determinant of investment but they do affect investment and so interest rates need to be considered.
Capitalize this past sentence correctly.
A: They are not the only thing that determines the amount of investment and are not necessarily even the most important determinant of investment but they do affect investment and so interest rates need to be considered.

question: they haven’t been out in the real world and don’t have the experience to separate the apathy they need to display at the poker tables from the rest of their lives.
Capitalize this past sentence correctly.
A: They haven’t been out in the real world and don’t have the experience to separate the apathy they need to display at the poker tables from the rest of their lives.