When deciding whether to offer a loan, a lending institution would look more favorably upon a borrower who a has a high debt-to-credit ratio b consistently lives outside his or her means c has a relatively low credit score d has no history of late bill payments

Which of the following is a problem for the production of public goods?

Your own record of all your transactions. a. check register b. account statement

James is an employee in the widget inspection department of xyz systems, a government contractor. james was part of a 3-person inspection team that found a particular batch of widgets did not meet the exacting requirements of the u.s. government. in order to meet the tight deadline and avoid penalties under the contract, james' boss demanded that the batch of widgets be sent in fulfillment of the government contract. when james found out, he went to the vice president of the company and reported the situation. james was demoted by his boss, and no longer works on government projects. james has a: