Testing facilities that engage in animal testing dispose of both animals and dangerous chemicals, food waste, and a variety of supplies used during the testing process. Not to mention, animal testing has a heavy impact on water and air quality. Additionally, animal testing is cruel and ineffective. Animals don't get many of the diseases that humans do. For example, major types of heart disease, many types of cancer, HIV, Parkinson's disease, and schizophrenia. 100 million animals are killed each year due to animal testing.
third party issued credit cards that are issued by banks while using the credit provider's system.
The fraction is in simplest form. That is only if it's asking to simplify the fraction.