19. Which of the following would normally be considered a debt management strategy? 1. Lengthening the amortization period to accelerate the elimination of mortgage debt 2. Carrying the maximum balance on a credit card, from month to month

3. Optimizing deductible interest rather than non-deductible interest on debt obligations. 4. Utilizing a single purpose loan at reduced interest rates to eliminate credit card balances that are accruing interest charges.

Question 19 options:

	1 and 2
	1 and 4
	2 and 3
	3 and 4

20. A valid joint tenancy requires the four unities to be present. Which one of the following statements describes the unity of possession correctly?

Question 20 options:

	Each joint tenant must have an equal interest in the property.
	Each joint tenant must have equal rights to the entire property.
	The interest of all joint tenants must originate at the same time.
	The interest of all joint tenants must originate from the same document.