What best determines whether a borrower's interest rate on an adjustable rate loan goes up or down? a fixed I interest rate. a bank's finances. a markets condition.

Describe the cultural component "innovation." give two examples. give an example of the cultural component "cultural universals."

Identify the example of when situation and time are key to assessing risk of harm in a research study: a study on the efficacy of a behavioral intervention for smoking cessation involves both adults and teenagersasking women if they have had an abortionresearch on the prevalence of hiv-infected individuals in communitiesa survey about sexually transmitted diseases

What does the term mandate” mean in terms of civil rights and liberties?