6. Choose any five (5) of the following questions. Do not spend more than 6 minutes on each question to avoid exceeding the allotted time. (30 minutes – 40 points)  Eight (8) points per answered question 1.   Define, explain, and give examples of consumer law and who is considered a consumer, mentioning why it is important in the United States.2.    Define, explain, and give examples of the difference between a debit and a credit card. In explaining, mention which one has a higher risk, why, and which one you would recommend your family to use. 3.    Define, explain, and give examples of the reasons for the 2008 financial crisis, what caused it, and what legislation was passed due to this crisis. 4.    You applied and received approval for several credit cards. Even though you live and work in Florida, you must make the monthly payments to an address out of state when these companies have offices close to your home. Explain why you cannot make the payments locally. The interest rate on your credits ranges from 22% to 25%. 5.    Define, explain, and give examples of the similarities and differences between open-end and closed-end credit loans. 6.    Define, explain, and give examples of at least two deceptive tactics used to lure consumers. 7.    Define, explain, and give examples of the similarities and differences between the two types of consumer reports. In answering the question, mention how, when, and why they are used and what information they contain. 8.    Define, explain, and give examples of Adverse Actions. Under what circumstances would a creditor provide an adverse notice to a customer? 9.    Define the Magnuson-Moss Warranty Act (M-M Act), explain why it was created, and give examples of what it provides and requires. 10.    You are the senior compliance officer for the Lloyd Community Bank, a state-licensed FDIC-insured bank primarily serving immigrant communities. A new subordinate asks you about the importance of the Consumer Financial Protection Bureau to the bank. Define, explain, and give examples of the CFPB’s origins, functions, and authorities. Why is this Bureau relevant to the bank?   

The idea that revolution could be justified to protect natural rights was first articulated during the Russian and French Revolutions.

In approximately 250 words, respond to ONE of the following prompts. Construct a clear argument and support it with specific evidence. Why did Hitler and the Nazi Party come to power in Germany in the early 1930s, rather than at an earlier moment when radical politics were also widespread? Explain the conditions that allowed their rise from the political margins to state power. Why did systems like slavery and serfdom expand dramatically in the Early Modern Period, only to be legally abolished across most of the world by the end of the 19th century? Why were the overseas empires that Europeans built in Africa and Asia during the nineteenth century so short-lived, compared to earlier colonies? From the English Civil War to the Russian Revolution, how did revolutions in the West reshape political power? What kinds of institutions rose and fell, and how did the social groups who led revolutions change over time? Why did fascist regimes emerge in countries like Italy, Germany, and Spain during the 20th century… but not in Britain or the United States? What political, social, and economic differences help explain this divergence? How did Benito Mussolini’s journey from socialism to fascism unfold, and what does his path reveal about the conditions that nurtured fascism’s rise? From the late Ottoman Era through post-WW1 mandates, to Cold War proxy struggles, how did foreign intervention, regional nationalism, and the politics of natural resources reshape the twentieth-century Middle East? In 1956 and 1968, the Soviet bloc had weathered crises. Why, then, did it collapse so swiftly in 1989–1991?  Over the short term and the long term, how did the development of large-scale industrial production impact the roles and lives of women in the West?  How did major artistic developments from the eighteenth century until the present reflect underlying social and economic transformations in the Western World? (Don’t just describe art; connect the shifts to changes in how people lived, worked, and thought.) Discuss the causes and consequences of the First World War.

The French Revolution’s violence ultimately produced a republic that lasted continuously through the 19th century until the rise of the Vichy regime.

31. Part the hair into ____________ sections, from the center of the front hairline to the center of the nape, and from ear to ear.

38. Apply relaxer 1/4-inch to 1/2-inch from the scalp, and up to the _______________.

20. Check a ____________rod each time.

29. ___________ the client for a chemical service

19. Unwind the rod and check the _______________ formation described in the preliminary test curl precedure.

41 After the relaxer has been applied to all sections,  use the back of the ________or your hand to smooth each section.