The bank wants to give you an incentive to pay back the loan. If they did not hold your assets as collateral, you could simply fail to pay back the loan and really not lose anything other than your credit score. Many borrowers already have tarnished credit scores, so that is rarely enough incentive to base a loan on.
I would put this into your own words considering I copied and pasted it. Other than that I hope this helps!
Yes,because the Senate is called a continuous body because the reelection of members is timed so that no more than one-third of the members change in an election period. In other words, the Senate is broken up into three equal groups, and only one-third of thesenate faces reelection every two year
Second Continental Congress. ... The Second Continental Congress was a convention of delegates from the Thirteen Colonies that started meeting in the spring of 1775 in Philadelphia, Pennsylvania.
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