While opening your checking account, the bank representative seems very interested in getting you to opt in for overdraft protection. What might explain his motivation? * 4 points

First of all, overdraft protection is basically a service offered by your bank that guarantees that you will not be able to overdraft your checking account. When yo overdraft your checking account it means that you spent more than what you had and your balance fell below $0. This tends to be very expensive because your bank will charge you an overdraft fee, and the average overdraft fee in the US is $33.47. I.e. if you overdraft, you will pay a lot of money. The problem is that banks generally record transactions starting with the largest amount, so you might end up with several small overdrafts that can cost a lot of money.

being born in poverty would limit the people's chances, opportunities and benefits.

this happen because of several things, such as:

- poor people tend to gain less access to good education and nutrition. this mean that their chance to obtain high paying jobs would also be limited.

- poor people tend to socialize with other poor people while the rich tend to socialize with other rich people. this means that simply throguh their social circle, rich people would have more business opportunities compared to the poor people.

- rich people tend to have more capital in their disposal. this would benefit them in business since it is far easier for them to fund their business operation compared to poor people.

answer; rapid growth in buyer demand and high buyer switching cost;