A higher than average return today is likely to be followed by a lower-than average return in the future when the:

x=3

step-by-step explanation:

this is really simple i saw that there was only one term (5x) and thought if that was 15 what would i have to multiply everything else to get it there? well if 5x became 15 then x would have to be 3 so plug the 3 in the x for the other equations and you get 15 for the other ones. so there you go. : )

answer; empowerment and collaboration;

answer; /// the use of a bank credit card to make purchase;