Answer: b.when the payments for merchandise are to be made.
Explanation:
Credit terms refers to the payment terms which are mentioned on the invoice when a good is bought.
Credit terms are terms for when payments for merchandise are to be made. Credit Terms are made during sales on account. The credit term shows the discount rate tahts offered to the costumer and the time limit that the creditor is expected to pay. 
 
        
             
        
        
        
First, we calculate for the effective annual interest given the interest in the scenario. 
                          ieff = (1 + i/m)^m - 1
Substituting the values,
                          ieff = (1 + 0.04/12)^12 - 1 = 0.0407
The effective interest is equal to 4.07%. 
The future amount after 2 years,
                         F = ($6000) x (1.0407)^2 = $6498.86
        
                    
             
        
        
        
It is true that Erin has a diversified portfolio as he invest in different investment. 
<h3>What is a Portfolio diversification?</h3>
This refers to investing of funds in different asset classes and securities in an attempt to minimize the risk of a portfolio.
Hence, It is true & yes that Erin has a diversified portfolio as he invest in different investment. 
Read more about diversification
<em>brainly.com/question/417234</em>
#SPJ1
 
        
             
        
        
        
I believe the answer is 'D. Additional Taxes' 
Hope this helps.
        
             
        
        
        
Usually, this will cause a price deduction to get rid of available products..? plse, dbl..chk