Earlier in the week, lucy and her mom had gone to the bank to get lucy set up with a checking account. lucy's mom came with her because this particular bank requires a parent to cosign on an account when the customer is under 18. while jointly filling out the checking account application, lucy and her mom chose not to have overdraft protection on lucy's checking account. what is your opinion abut the decision? what factors would have to change for you to have a different opinion about choosing overdraft protection on a checking account

My opinion is that : it is a bad decision

Factor that would affect my decision are : If Lucy had a good job to offset overdraft charges

Explanation:

Lucy opening a checking account at an early age i.e below 18 and not having overdraft protection is a very risky step to take. because she might accidentally run in excessive debt while operating the account and that would be very bad for her economically because she doesn't have a very good plan or a good job yet to offset the overdraft charges since she still a minor.

Overdraft protection helps to regulate spending on an account when it is activated in a checking account. i.e it helps keep your account at a minimum of zero. having an overdraft protection helps one to regulate his/her spending on an account and therefore protecting you from unforeseen debts from overdraft charges.

separate but equal was a legal doctrine in united states constitutional law according to which racial segregation did not violate the fourteenth amendment to the united states constitution, which guaranteed "equal protection" under the law to all people. under the doctrine, as long as the facilities provided to each race were equal, state and local governments could require that services, facilities, public accommodations, housing, medical care, education, employment, and transportation be segregated by race, which was already the case throughout the states of the former confederacy. the phrase was derived from a louisiana law of 1890, although the law actually used the phrase "equal but separate

hope this : d

c.) biotic: snails; abiotic: temperature climate