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Using cash can help Ralph improve his credit score is just untrue in so many ways.
The answer is choice A because the statement does not justify Ralph's use of cash.
You multiply like terms first, which means -2/3x*-x. It becomes 2/3x*3y. The coefficient of x is 2/3. The coefficient of y is 3. You can’t combine them because they are not like terms with the variables.
