1. False as it equal to europe excluding russia
2. True
3. True
Answer: Were.
Explanation: When its more than one, you use were is sentences like this, and was when its just one.
The answer is Secured credit card. It is used to pay the needed materials but she needs to pay it every month. This has interests so she needs to consider her debts and the profit she can get from her business.
There is something wrong with Holden as he says while still at pencey