<span>D. instructive
This passage does a good job describing the way that credit cards work and mentioning the fact that many people don't actually know this. It's a good resource for someone thinking about getting a credit card if they're not completely prepared for the challenges it presents. </span>
It means progress through a persons determination. A determined person will advance and progress. Determination means never giving up and keep on trying.
Personification (ex: the curtains danced)