Which of these describes how a 5/1 ARM mortgage works? The annual fees on the mortgage are only charged during the first five years of the loan.

The interest rate charged on the mortgage is five times the normal interest rate.

The interest rate is fixed for five years and then changes every year afterward.

The monthly payment is one-fifth of the total purchase price of the house.

Which of the following best describes the difference between “autobiography” and “memoir”? a. autobiography is written about the author's own interpretation of events; memoir is a written interpretation of events. b. memoir covers a particular time in the writer’s life or recounts life events around one or two themes; autobiography covers the entire story of the author's life and has multiple themes. c. autobiography covers the entire story of the writer's life and has multiple themes; memoir is a shorter written work with one theme. d. autobiography covers entire story of the writer's life and has multiple themes; memoir is the writer’s random memories about past experiences.

The graph shows a trend in an ecosystem over time caused by increased pollution in the region. what can you conclude from the graph? a. there’s lower biodiversity among birds. b. there’s a higher reproductive rate among birds. c. there’s a significant decline in the number of producers. d. other types of animals were unaffected by pollution.

Trey has answered 15 e-mails. this is 20% of e-mails he must answer. how many e-mails does he need to answer? pls ; op'; ; p'[o; pio; uiylutryte