Answer:
- It can change over time for certain kinds of loans.
- It is the interest charged each year for a loan.
- It can be reduced to reflect the borrower’s credit history.
Explanation:
The annual percentage rate is the amount of interest that is charged to the loanee for borrowing the loan and it is different for different types of loans such that with some kinds it can change overtime based on certain factors such as inflation.
Percentage rates are a reflection of the riskiness of the borrower so if the borrower has a good credit history, the rate can be reduced to show that the borrower is not too risky.
The answer is false. Cultural bias is a problem that includes North America.
Cultural bias is a phenomenon that involves interpreting or judging events based only on one's culture. North America is prone to this along with the rest of the globe.
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Up here topically a majority of our mountains and craters are results of volcanoes and earthquakes that are caused by moving tectonic plates. on the ocean floor the features are caused by the same things. there are under water mountain ranges and craters.
Xerophytic are the types of plants which grow in desert climates.
Xerophytes plants grow in areas with very little water in the soil and low amounts of rainfall. So, they are commonly found in deserts. Xerophytes such as cacti are capable of withstanding extended periods of dry conditions.
The Xerophytes plants grow in desert climates because they are able to withstand dry climates and also they have deep-spreading roots and capacity to store water which help them in the dry regions.
These Xerophytes plants have leaves with thorns which prevent loss of moisture. Also, their fleshy stems can store water. The xerophytic plants may also grow in salt marshes, frozen land area like the Arctic and Antarctic, or tropical forests.
Hence, option A is correct.
To learn more about the Xerophytes plants here:
brainly.com/question/432570
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