18. The financing rate on the car you are leasing is called the

	a.	money factor.
	b.	capitalized cost.
	c.	residual value.
	d.	purchase option.
	e.	capitalcost reduction.

19. Sonny and Cher have a net worth of $35,000 and total assets of $200,000. If their revolving credit and unpaid bills total $2,200, what are their long-term liabilities?

	a.	$115,000
	b.	$140,000
	c.	$142,200
	d.	$162,800
	e.	$165,000

20. Which of the following household devices could help you protect yourself against identity theft?

	a.	DVR
	b.	Cell phone
	c.	Shredder
	d.	Laptop
	e.	Tablet