help with both pls

Financial leverage is the a. practice of charging interest on a loan. b. process of gradually retiring a debt by periodic payments. c. compounding of interest. d. use of debt to enhance the rate of return. Question 6 0.15pts In a fully amortizing, fixed-rate loan, the amount of each periodic payment attributable to principal is a. increasing. b. decreasing. c. increasing at an increasing rate. d. increasing at a decreasing rate