Assume the role of a financial advisor. Your client has shared the above information from the bank ask you to explain what it means and how he should use information write an essay in the form of an email message in response to your client.

"act of congress" : ) hope this

i think it’s a i hope that right : )

biological/genetic factors means they were born or predisposed to have something. nothing can really change it, and you can't really do much to "fix" it. it isn't something learned

these are the biological factors:

adrian is relatively tall and he is on the basketball team

(adrian can't ever stop being tall or force himself to be tall. likely one or both of his parents are tall as well and they passed on the tall gene. he probably does basketball because he is tall)

the rest are environmental/cultural factors. these are things that are taught to us. for example, cynthia wasn't born saving pocket money, her family most likely taught her this (environmental factor)

hope this !

they consider la nina a warm place and el nino a cool place but all aoround its pretty neatrual