In general, reducing the monthly payment (p) of a credit card but keeping the interest rate (i) and present value (pv) the same will a. decrease the number of periods (n) needed to pay off the debt b. increase the number of periods (n) needed to pay off the debt c. eliminate the number of periods (n) needed to pay off the debt d. have no effect on the number of periods (n) needed to pay off the debt select the best answer from the choices provided. a b c d

Researchers are conducting experiments to determine the role of alcohol in the development of depression. after the study is complete, they determine that the relative risk of developing depression is 1.55 with a 95 % ci of 1.2 -1.9. each group is then divided into nonsmokers and smokers. the relative risk for the nonsmokers is 1.12 with a 95% ci of 0.87-1.37. the relative risk for the smokers is 1.7 with a 95 % cl of 1.5-1.9. what type of bias may affect this study? a. procedure bias b. recall bias c. selection bias d. confounding e. lead-time bias