f you were applying for a loan at a bank for the purpose of buying a home, which three of the following factors would be the most important to you, and why:

• A relatively low interest rate.
• A relatively long repayment term.
• The right to repay principal payments without penalty.
• A relatively low "late payment" penalty.
• The right to have someone else assume your loan without any assumption fee and without any increase in the interest rate.
• The absence of the requirement that you pay the lender's attorney fees incurred by the lender because of your default in making monthly payments.
• The absence of an acceleration clause that made the entire unpaid balance of the loan due upon any default in monthly payments.

2. Imagine the glass of water (below) as a symbol for daily life during the coronavirus pandemic. In your opinion, is the glass half-empty or half-fullANDwhy?