Not managing your wisely can result in

D. A decrease in your credit score

Explanation:

Not managing one's debt wisely can result in  a decrease in that person's credit score. The role of a credit score is to show how likely or unlikely a person can repay their loans or debts. It is a three digit number ranging from 300 to 850. The higher your score is the better you are at managing your debts and vice versa. According to FICO reports , most people's scores range between 600 to 750. 800 and above is considered excellent.

the correct answer would be b, when, queen, calder hall and london.

explanation:

we always capitalize words when a paragraph or sentence is starting, when an important name is used, when a place is being written, or simply when a noun is used, etc. so in this sentence, sentence is starting from 'when', so it will be written in capital letters. secondly, queen is considered to be an important person, so it will also be written in capital letter. next, the name of the town is mentioned, i-e calder hall, which will also be written in capital letters. in the last,   city name is being used, 'london', which will also be written in capital letters. so option b is the most appropriate one.