The associative property of addition means you can "group" the numbers how ever you want and it will give you the same answer
3+9+2 = (2+3)+9
(8+9)+(6+1) = (9+1)+(6+8)
Jack can expect to have a low credit score and difficulty getting another loan.
I believe that the answer to the question asked above is that the change in interest rate by federal reserve changes the monitary values of company does affecting the rate of employment it gives.
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