One example is “engagement” consider to be “business activities”
Answer: B. Openness to experience
Explanation: According to the Big Five personality factors, openness as a personality factor measures the level curiousness, imaginative and creative ability exhibited by an individual. An individual low on openness will be described as someone who would rather stick to a routine outline or experience or methodology. However, Layla fox described above could be said to exhibit high openness to experience given her will or zeal to try out new opportunities, imaginative and creative capability.
THE ANSWER IS .....
B.INITIATIVE
Depends on the banks policy. My bank is pretty good, and with my opt in overdraft protection, there are no incurred fees.