<span>griculturalists look for low-cost, effective ways of producing food for human consumption. The crops produced by agriculture include fruits, vegetables, poultry and beans. In horticulture, the primary concern is how to cultivate the crops and the study of the techniques used. Horticulture is done on a much smaller scale than agriculture. Where agriculture expands to include the breeding and care of animals used for food, horticulture is exclusive to plants. The plants grown through horticulture can include fruits or vegetables that are edible, but it also includes plants that are used in industrial processes, such as the manufacturing of rubber. Plants grown by horticulturalists can be decorative or have medicinal purposes. While agriculture focuses on creating food, horticulture focuses on the study of the plants themselves including soil composition, the physiology of the plants and genetic engineering.</span>
Did not give blacks a chance to escape slavery
When calculating the Annual Percentage Rate, it is important to consider all the above.
Option d
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Explanation:</u>
APR provides for a clear view of the actual cost of the borrowing that one might undertake. It gives an annualized value of not just the interest charged but also include the fee(s), if any, related to the borrowing directly, giving a holistic view of the expense related with the borrowing.
APR on different types of borrowings is calculated differently. For instance, in calculating APR for a loan, the basic formula is:

The purpose of APR is to make the choice of the borrower easier and economically more feasible between whether he/she wants to go for the borrowing with higher fee and lower rate or higher rate and lower fee.