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.
Explanation:
1. Using oil dispersants has the following benefit -
- Helps in dispersing the oil over a large surface rather than being spilled onto a smaller area, hence effectively reducing the oil concentration from any particular surface.
2. Negative consequences of using a dispersant is -
- The negative consequences of using a dispersant is that, while dispersion of oil, dispersants tends to adversely effect the organisms and planktons of a larger area.
To determine the climate, the most important thing to do is to know what factor has the biggest influence over it. In this case that is the latitude.The tropical climate is present in the region surrounding the Equator. On the Northern Hemisphere it is limited by the Tropics of Cancer at 23.4372° N, and the Tropic of Capricorn in the Southern Hemisphere at <span>23.4372° S.
The areas that feature a tropical climate have 12 months of warm temperatures of at least 18 degrees Celsius.</span>
This is for sure, FALSE. Race is more skin tone, while ethnicity is more cultural. Thank you, hope it helped. (: