Who has is the correct answer. Hope this helps and mark me brainliest!
The answer to the given question is that:
There are several ways in which writers use direct characterization in a story, but the most common way is that they will take time to describe each character in detail.
<span><span>-Walking around barefoot or in their socks.
-Putting the bag down on the ground. The Chinese think that the ground is dirty.
-Eating cheese, the Chinese cringe at the thought of cheese
-Wearing revealing clothing, because Chinese rarely wear low-cut tops or mini skirts.
-Eating too fast.</span>
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The complete sentence is this: IMAGINED RISKS are only in a person's mind with no firm facts to back them up.
Imagined risks are those risks which are imaginary and which are created as a result of doubt or fear in the person's mind. Imagined risks can affect someone's behavior negatively and reduce their self confidence. Imagined risks are born out of imagination and there are always no evidence to back them up.<span />