I need your help in the following questions:

Question 5

Which tax is paid on individual or household purchases of goods and services?

a- consumption tax

b- individual income tax

c- wealth tax

d- capital gains tax

Question 13

What is the difference between individual income taxes and payroll taxes?

a. Individual income taxes are applied to a more narrowly defined set of income sources.

b. Individual income taxes are applied in many cases to the entire income of a family.

c. Individual income taxes are the primary means of financing social insurance programs.

d. Individual income taxes are applied only on income earned up to a maximum value.

Question 15

The difference between the amount withheld from a worker's earnings and taxes owed, if the amount withheld is higher, is the

a- refund

b- exemption

c- deduction

d- tax credit