The answer to your question is
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I believe that the answer to the question provided above is that Joy must loan in the bank than loaning in the car shop itself, since banks has lower rates.
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Answer:
James Madison
Explanation:
HJames Madison, based on his experience and knowledge, he concluded that there is dangers inherent in the powerful state legislatures and of the weaknesses of the Articles of Confederation. Thus, in the year 1787, in his essay, Federalist 45, Madison developed an argument about whether the expanded powers of the national government benefits or hinders policy making.
He argued that the proper division of power itself hinder the threats to our liberties because officials at both levels of government; state and federal, would jostle for citizens’ favour.
Pavlovian Conditioning, because it is off of Pavlov's dogs, who discovered that creatures can associate things subconsciously with other things (such as having a bad meal on a first date, you may now associate moldy food with that person).