As with a magnetic-stripe credit card, you sign on the point-of-sale terminal to take responsibility for the payment when making a chip-and-signature card transaction. Once the transition to EMV is under way in the U.S., chip-and-PIN cards will be transitioned in. Again, it is one step at a time, according to Ferenczi.
Depending on the source you go by, IQ 140 is where genius starts; high IQ starts at 130; 150 is generally considered profound genius. Anything much more than 150 is usually considered unmeasurable (or immeasurably high) genius and is accordingly unreliable to measure at that level.
Split the difference: IQ of about 120. With a maximum IQ of 122 and a minimum IQ of 114, an IQ just under 120 sounds like a reasonable guess for Michelle Obama. Although IQ 120 is a bit below the Ivy League average, it is still higher than 99% of black America and higher than 90% of white America.