Charlotte owes Carrie $6,000 and has promised to pay her friend $963.04 at the end of each year. Since they are good friends, Carrie has only asked for 3% interest on the loan. How many payments will Charlotte make?

a. 8

b. 7

c. 6

d. 9

For finance, resilience means:

	a.	The ability to meet financial obligations.
	b.	Always having enough cash on hand.
	c.	Surviving adverse conditions.
	d.	Maintaining constructive relationships.