free speech
Explanation:
They let you have freedom, and let you speak whatever is on your mind
The answer is After the response.
Reinorcement and punishment need to be associated within the person's mind after he/she complete a certain behavior/response.
After it's all associated, that person will develop a tendency to conduct the conditioned behavior because he/she associated that behavior with positive outcome.
Answer:
D) Consumers are not responsible for unauthorized transactions if their cards are lost or stolen.
Explanation:
A zero liability protection is a policy where any lost card's charges are not put against the owner, keeping them free from any liability. This means that any charges or expenses after the loss of a card are not charged or put against the owner of the card.
So, the 'zero liability protection' put by financial companies means that the customers will not be held responsible for any expenses or charges made with their lost cards.
Thus, the correct answer is option D.