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What does charged off as bad debt canceled by credit grantor mean?

At what part does suspect become classified as a defendant?

3. meena and ala are two friends. meena has a habit of using new pens almostevery day, whereas ala believes in getting a refill for her pen instead of buyinga new pen even though her friends make fun of her.a) which out of two practices would you follow and why? b) which value is ala depicting?