18) Minors, insane persons, and mentally impaired persons are usually considered incompetent and lacking in: A) ethics. B) educational qualifications. C) social culture. D) contractual capacity. QUESTION 19 19) Most contracts made by persons who have not reached the age of majority are: A) enforceable. B) voidable. C) valid. D) void. QUESTION 20 20) A person who is heavily intoxicated is considered A) incompetent to enter into a contract by the courts. B) competent C) devoid of consideration D) a valid party