4. the fee the bank charges the issuer of a bad check is
returned check fee
non-sufficient funds fee (nsf)
monthly account charge
below minimum balance fee

answer; ///i believe the best answer is (d) replace negative self talk with positive self-talk;

the answer would be voluntary exchange -

"the act of buyers and sellers freely and willingly engaging in market transactions. moreover, transactions are made in such a way that both the buyer and the seller are better off after the exchange than before it occurred."

hope this : )

-shy