According to the personified the father of old Christmas in the last sentence of the first paragraph ("But the heart")demonstrates which human attribute ?

Answer the car approaching from the right has the right of way;

Ithink it’s a but it might be wrong so sorry

At 8.5% i am making after one year 1,500   +  1,500 x 0.08 = $1,620

my credit card cost 1,600 + 1,600 x 0.19 = $1,904


total balance =  interest  (negative)  of credit card + interest earn (positive)

that is  -304 + 120 = -$181