Complete the following sentence.

Credit cards whose balances can go up and down and back up again to the agreed credit limit, depending on charges and payments made in the billing period, are a0 credit lines.

Which of the following best describes the economic effect that results from the government having a budget surplus? a. consumers save more and spend less, enabling long-term financial planning. b. overall demand decreases, reducing the incentive for producers to increase production. c. banks have more deposits, enabling them to make more loans to investors. d. government spending increases, increasing competition for goods and services and driving prices up.