Credit card companies charge from ________ percent on unpaid balances.

A. 6 to 14
B. 9 to 21
C. 8 to 18
D. 4 to 10


Answer: B

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A nuclear family is

a. a family with a child and the parents. b. a family with a child and their grand parents. c. a family with parents, children, grandparents and cousins.

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Pre-referral interventions are designed to

a. identify behavior and academic problems. b. reduce the likelihood of more restrictive placement. c. make environmental adaptations. d. identify behavior and academic problems and reduce the likelihood of more restrictive placement.

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When a parent is going through a divorce, the parent may become harsher in disciplining her children. The children may react to this harsh discipline by acting out even more, which makes the parent, in turn, increase the harshness of her discipline. This is an example of

A. a transactional effect. B. a multiple effect. C. a reactive effect. D. a multidimensional effect.

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Three of the following examples reflect the use of metacognition in problem solving. Which one shows little or no metacognition?

a. When Allan discovers that his homework assignment in social studies involves an especially ill-defined and difficult problem, he realizes that he will have to devote a considerable amount of time to the assignment. b. Brendan is replacing an old, single-paned window in his home with a new, double-paned window unit. Before he begins to work, he thinks about the steps he will need to take and jots down the tools and materials he will need to purchase. c. Clyde is working on a series of word problems after a unit on multiplication of two-digit numbers. To complete the task as quickly as possible, he simply multiplies the two numbers he sees in each problem; he doesn't bother to read the problems themselves. d. When Duncan's chemistry teacher assigns a challenging problem that she wants her students to address in chemistry lab, Duncan feels confident that he has both the knowledge and skills to solve the problem successfully if he works slowly and carefully.

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