Instead of solving a problem using one large code segment, we can base that solution off of the solutions of smaller sub-problems. This is often referred to as modularity. This helps to manage the complexity of the program and can be done in the form of what type of abstraction

Freya realizes she does not have enough in her bank account to use the debit card. she decides to use a credit card instead. which questions should freya answer before using a credit card? check all that apply. can i pay at least the minimum payment each month? can i make payments on time and avoid late fees? will i have to take out a loan? how much in finance charges can i afford to pay? should i talk to a consumer credit counseling service?