Asponsor proposes research to evaluate reengineering a commercially available pacemaker. it is hoped that the new pacemaker will pose fewer risks to individuals when compared to the current commercially available product. how should this device be classified? significant risk device non-significant risk device

I believe the answer is: Significant risk device

A device would be considered to have a 'significant risk' if that device present a potential serious threat for the users' health or welfare in general. Such status is determined by the Institutional review board before deciding whether the device is allowed to be sold to the public or not.

consumer credit. an advantage is that it allows consumers to afford expensive goods and services now, increasing their standard of living. however, a disadvantage is that it creates a trap for debt, if people do not have self control, they may see themselves filing personal bankruptcy.