What are people doing when they use credit?

Borrowing money to buy something now and agreeing to pay the lender back in the future
Lending people money to help them buy large items now and asking them to pay it back later
Putting money into their bank accounts
Taking money out of their own bank accounts

The federal reserve controls certain interest rates in the united states. investors often try to speculate as to whether the federal reserve will raise or lower rates and by how much. suppose a company conducts extensive interviews with financial analysts, and as a result, predicts that "thefed" will increase rates by an average of 0.25 percentage points every six months for the forseeable future. which type of equation could be used to model the predicted interest rates over the next several years, assuming no other significant changes? a) a linear equation b) a quadratic equation c) a polynomial equation d) an exponential equation