Answer: The setting
Explanation: The setting affects the characters-therefore affecting everything about them. It can not only change their personalities, but it can also change the way they view things, etc. !
Nothing will happen. It's a myth. The myth of the one-page letter is so strong that I have heard people ask this question over and over again. Yes, it's true, a one page cover letter is what is considered to be a norm here, but if you have a good reason for exceeding it, I assume nothing will happen. Of course, it differs from place to place. Someone might just disregard it, looking at you as unprofessional because you exceeded the limit that they gave you, which was a test in itself. So it really depends more on the place. Hope this helps
Fifty cents is a plural noun since it is talking about more than one cent. In the example, you would say, "fifty cents <em>is </em>how much I owe you".