All of the answers below tell a story. Look at all four answers and choose the Point (Main Idea). Many credit card companies charge high interest & yearly fees.

Credit cards have high interest rates.

People should try not to use credit cards.

Credit cards encourage people to spend more money than they have.

source text: from the sketch here given it will be seen, that our good grandmothers differed considerably in their ideas of a fine figure, from their scantily dressed descendants of the present day. a fine lady, in those times, waddled under more clothes even on a fair summer's day, than would have clad the whole bevy of a modern ball room. nor were they the less admired by the gentlemen in consequence thereof. on the contrary, the greatness of a lover's passion seemed to increase in proportion to the magnitude of its object—and a voluminous damsel, arrayed in a dozen of petticoats, was declared by a low-dutch sonnetteer of the province, to be radiant as a sunflower, and luxuriant as a full blown cabbage. certain it is, that in those days, the heart of a lover could not contain more than one lady at a time; whereas the heart of a modern gallant has often room enough to accommodate half a dozen - - the reason of which i conclude to be, either that the hearts of the gentlemen have grown larger, or the persons of the ladies smaller — this however is a question for physiologists to determine. add punctuation to the following excerpt. writing under the name of diedrich knickerbocker washington irving aimed his potent satire at as diverse topics as political rivals such as thomas jefferson to the very ideal of looking back on the past affectionately: a fine lady, in those times, waddled under more clothes even on a fair summer's day, than would have clad the whole bevy of a modern ball room. a voluminous damsel, arrayed in a dozen of petticoats, was declared by a low-dutch sonnetteer of the province, to be radiant as a sunflower, and luxuriant as a full blown cabbage. in those days, the heart of a lover could not contain more than one lady at a time; whereas the heart of a modern gallant has often room enough to accommodate half a dozen

1. read the following excerpt from franklin d. roosevelt's "fireside chat 19":

on the other side of the picture, we must learn also to know that guerilla warfare against the germans in, let us say serbia or norway, us; that a successful russian offensive against the germans us; and that british successes on land or sea in any part of the world strengthen our hands.

remember always that germany and italy, regardless of any formal declaration of war, consider themselves at war with the united states at this moment just as much as they consider themselves at war with britain or russia. and germany puts all the other republics of the americas into the same category of enemies. the people of our sister republics of this hemisphere can be honored by that fact.  

the true goal we seek is far above and beyond the ugly field of battle. when we resort to force, as now we must, we are determined that this force shall be directed toward ultimate good as well as against immediate evil. we americans are not destroyers — we are builders.

analyze the effectiveness of this excerpt. how does it function within the speech as a whole? how does the structure of the excerpt to convey the speech's purpose and key points? support your argument with evidence from the speech. (10 points)

what are the question answer options?