10. Which of the following payments is an example of secured debt?

Car loan payments

A pair of shoes

A bus ticket

Groceries

11. Which type of tax will Rema pay if she purchases a new dress from a department store?

Property tax

Sales tax

Payroll tax

FICA tax

12. Nonrefundable tax credits can __________.

cause the taxpayer's calculated tax to become negative

increase the amount of tax owed by the tax payer

decrease the taxpayer's calculated tax to zero

cause the federal government to owe money to the taxpayer