I think this is definitely WHO because the story is talking about a certain unknown character.
When the cost of living is too high for a number of families and they do not have a high household income, they will obviously go in debt. When those families fall into debt and it is not paid (usually it is not), then America falls behind because the household has not paid, resulting in a slippery slope through different levels of government and economics.
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Answer:
You can Google it get some info the write it as your own just change some words.
Explanation:
Your welcome.
Me , he , we , him, us , his
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