Why is there a difference between interest charged and interest earned? a) banks are non-profit institutions. b) banks are profit-making institutions. c) banks must pay more than they receive. d) there is no difference between interest charged and interest earned.

the secretary of state, appointed by the president with the advice and consent of the senate, is the president's chief foreign affairs adviser. the secretary carries out the president's foreign policies through the state department and the foreign service of the united states.