When calculating the Annual Percentage Rate, it is important to consider all the above.
Option d
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Explanation:</u>
APR provides for a clear view of the actual cost of the borrowing that one might undertake. It gives an annualized value of not just the interest charged but also include the fee(s), if any, related to the borrowing directly, giving a holistic view of the expense related with the borrowing.
APR on different types of borrowings is calculated differently. For instance, in calculating APR for a loan, the basic formula is:

The purpose of APR is to make the choice of the borrower easier and economically more feasible between whether he/she wants to go for the borrowing with higher fee and lower rate or higher rate and lower fee.
Locke believed in a concept in which "human nature"<span> allowed people to be selfish. He believed that in the natural state, all people were equal and independent, and everyone had a natural right to defend his "Life, health, liberty, and possessions. However, there are many other concepts that Locke believed in. </span>
Assuming that this is referring to the same author that was posted before with this question, the correct response would be "<span>(1) efficiency and education"</span>
Answer:
The Intolerable Acts passed Royal assent March 31–June 22, 1774 were punitive laws passed by the British Parliament in 1774 after the Boston Tea Party. The laws were meant to punish the Massachusetts colonists for their defiance in the Tea Party protest in reaction to changes in taxation by the British Government.
Hernando de Soto and his army departed from Apalachee. By the end of the day they had reached the southern border of Georgia. While they were there they found the Flint river. They built a crude boat and ferried everyone to the western side of the river.