Your business has one-time costs of $15,000 and average monthly costs the first quarter are $1,300 and increase each quarter by 10%. What is the total cost for the
first year of operation? (Rounded to the nearest whole dollar)

there's 11 people for the 1st position. then, no matter who gets it, there's only 10 left for the second, and then 9 left for the third. 11 x 10 x 9 = 990.   the answer is there are 990 different ways the positions can be filled by these applicants

consumer credit. an advantage is that it allows consumers to afford expensive goods and services now, increasing their standard of living. however, a disadvantage is that it creates a trap for debt, if people do not have self control, they may see themselves filing personal bankruptcy.