I think that the 1,2,3,6 are cash management and 4,5,7 are credit and debt management.
Hope this helped.
The effect that the program has on Rameck is that he appreciates the academic intensity. He implied that the study routine makes him feel good and that it makes him feel as if he is doing push-ups (or exercising) his mental capabilities. He doesn't seem to mind the intense academic session, instead, he has learned to embrace and appreciate it.
As agriculture rose children were seen as a source of labor. Regulations would later moderate this!
Well manifest destiny is just people moving west. The way I remember is my teacher told me man fest in the west so idk if any of that helps but yeah. They moved west for more land, money, and more freedom also for religion I think.