A registration statement is effective on the 20th day after filing unless: Multiple Choice a tombstone ad is issued indicating its demise. the issue exceeds $50 million in which case the wait period is 30 days. a syndicate can be formed sooner. a letter of comment suggesting changes is issued by the SEC. the SEC is backlogged with statements.

odd consecutive integers are odd integers that follow each other. they have a difference of 2 between every two numbers. if n is an odd integer, then n, n+2, n+4 and n+6 will be odd consecutive integers. the first number in the pattern is always the variable on its own or in this case, "n". examples.

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.