Answer: Personality differences.
Poor or inattentive leadership.
Dishonesty.
Stress.
Answer:
The last one he would be able to avoid interest charges
Explanation:
The First one would not benefit him at all Okay he has a higher credit limit but it could easily run out and the second one is okay but his job may cover it up and the last one seems a bit more important than the second one. (again do not choose my answer if ya do not want to)
Answer:
create goals with adult and peers
To rotate players through positions so everyone gets a turn. That way nobody gets left out.