The Home Ownership and Equity Protection Act does not:. a. consider optional credit insurance as a finance charge. b. gives borrowers with high-cost loans three business days to rescind the loan. c. amends the Homeowners Protection Act. d. permits negative amortization only for the first five years of a loan.

(select all that apply) examples of email use that could be considered unethical include denying receiving an e-mail requesting that you work late forwarding a chain letter asking for donations to a good cause sending a quick message to your friend about last weekend sending your boss the monthly sales figures in an attachment setting up a meeting with your co-worker sharing a funny joke with other employees