Which one of these is an example of unnecessary debt? A. You buy a perfectly good used car instead of an expensive new car
B. You buy your groceries on Friday instead of coupon Monday.
C. You charge clothes you don't really need on a high-interest store card.
D. You save up all year to take a great surfing vacation.

This graph compares the cost of room and board at educational institutions in texas.

[java] create an application called registrar that has the following classes: a. a student class that minimally stores the following data fields for a student: - name - student id number - number of credits - total grade points earned and this class should also be provides the following methods: - a constructor that initializes the name and id fields - a method that returns the student name field - a method that returns the student id field - methods to set and retrieve the total number of credits - methods to set and retrieve the total number of grade points earned. - a method that returns the gpa (grade points divided by credits) b. an instructor class that minimally stores the following data fields for an instructor: - name - faculty id number - department the following methods should be provided: - a constructor that initializes the name and id fields - methods to set and retrieve the instructor’s department. c. a course class that minimally stores the following data for a course: - name of the course- course registration code- maximum number of 35 students- instructor- number of students- students registered in the course (an array)the following methods should also be provided: - a constructor that initializes the name, registration code, and maximum number of students- methods to set and retrieve the instructor- a method to search for a student in the course; the search should be based on an id number.- a method to add a student to the course. if the course is hill, then an exception with an appropriate message should be raised (try creating your own exception class for this). also, be sure that the student is not already registered in the course. the list of students should be in the order that they registered.- a method to remove a student from the course. if the student is not found, then an exception with an appropriate message should be raised (use the same exception class mentioned a method that will allow course objects to be output to a file using object serialization- a method that will allow course objects to be read in from a file created with object serializationyou will note that the student and instructor classes described above have some commonality. create aperson class that captures this commonality and uses it as a base class for student and instructor. this class should be responsible for the name and id fields and also provide atostring method that returns a string of the form name, id. this will be the inheritedtostring method for the student and instructor classes.1. draw a uml diagram for diss application.2. implement the previous classes in java. write a main program that can serve as a test class that tests all of the methods created and demonstrates that they are working

In excel - calculate the actual increase/decrease from first quarter to the second quarter then subtract subtract first quarter value from second quarter total then divide result by first quarter value