Under hipaa, a "disclosure accounting" is required:
a. for all research where the data crosses state lines, otherwise state law applies.
b. for all human subjects research that uses phi without an authorization from the data subject, except for limited data sets.
c. solely at the principal investigator's discretion.
d. for all human subjects research that uses phi.

With only a part-time job and the need for a professional wardrobe, rachel quickly maxed out her credit card the summer after graduation. with her first full-time paycheck in august, she vowed to pay $270 each month toward paying down her $8 comma 368 outstanding balance and not to use the card. the card has an annual interest rate of 18 percent. how long will it take rachel to pay for her wardrobe? should she shop for a new card? why or why not?