With respect to a personal loan, the finance charge a borrower pays is
a. an income tax on the loan
b. the extra money he or she pays in interest
c. usually a one time $20 application processing fee
d. something the borrower can opt out of with good credit

Which factor contributed to the rise of african empires such as ghana and mali ? a. their creation and involvement in trade networks b. they focused only on agricultural production. c. they didn’t engage in warfare with other nations d. their geographic location protected them from attacks.