What might you expect to find out about people who are described as credit risks? They are usually given a low interest rate. They have a history of not making their payments on time. They find it easy to get a loan from the bank. They have a history of paying in full each month.

Which statement most strongly develops a positive tone? a. i was happy when i received my first paycheck for my hand work. b. winter break is approaching quickly, and i cannot wait to go shopping for gifts. c. going to the beach is one of my favorite activities; i love surfing and paddle boarding. d. a sense of accomplishment overwhelmed me as i stepped into into the stage that sunny, glorious day of graduation.