A promissory note

a. cannot be factored to another party.
b. has the party to whom the money is due as the maker.
c. may be used to settle an accounts receivable.
d. is not a formal credit instrument.

the correct answer for apex is “ doubling a recipe and figuring out how many cups of paint to use are both examples of using math skills”.

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.