Based on the author’s reasons for having a pen pal, the reader can conclude that having a pen pal —

so the story tells of someone named kaushik choudhuri, but he does not narrate the story, a girl named hema does. hema tells the story in a second person point of view because you (the reader) are supposed to be the boy named kaushik.

here's an excerpt i found: "i was ushered into the fitting room, your mother watching approvingly as i took off my coat and sweater and tried on the bra."

source:

the right answer is the third one: turnpikes went short distances to connect markets. turnpikes, also known as toll roads, were very important for trade and transportation (of people, goods and products) in the 19th century, coinciding with the expansion towards the west. they contributed significantly to the economic development of the united states.

answer: the risk-return relationship. generally, the higher the potential return of an investment, the higher the risk. there is no guarantee that you will actually get a higher return by accepting more risk. diversification enables you to reduce the risk of your portfolio without sacrificing potential returns.

explanation: