THE ANSWERIS NOT D. Credit Card Accountability Responsibility and Discretion. It is most likely B. Credit Card Accountability Responsibility and Disclosure.
The northern hemisphere is called the land hemisphere because the greater part of the earth landmass lies in the northern hemisphere
The Southern Hemisphere is called the water hemisphere because it is made up of most of the seas like Pacific Ocean and the Indian Ocean
Personal opinions:
“Always made good decisions”
“He was smart to stay out of the war”
“Probably couldn’t handle it”
Loaded language:
Good
Refused
Smart
I don’t see any examples of first or second person pronouns.
