True just because i am pretty sure it true
Want, Disease, Ignorance, Squalor, and Idleness. (hope thats right)
Answer:
Discipline
Explanation:
juvenile programs that employ excessive use of discipline or punishments and deterrence become ineffective in teaching the child what is required. This is because excesses in discipline and deterrence measures quickly move the focus and fail to address the need or the reason behind the behavior required and therefore lead to more damaging behaviours such as lying, cheating, sneaking and even more blatant rebellion etc
Answer:
D) They offer lower interest rates for borrowers.
Explanation:
due to lower interest rate on loan, credit union have a major advantage for borrowers. They dont have to pay anything to shareholder and due to this advantage of credit union of non-profit feature, they forward the surplus funds to the respective customers on having deposited accounts.