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She had 22 marbles and gave away, 4 to two people, so 4*2 = 8. 22-8=14. she has 14 marbles left.
Answer:
You need money for employees, equipment, office space and much more. Borrowing money to start your practice is often a good idea. The debt is being used to fund something that will likely generate healthy returns, allowing you to safely make the debt payments.
hope this helps :)