Web sites like ez-tracks and beemp3 pursue a(n) approach to applying freeconomics when they offer free music downloads for users because reproduction and distribution of these products come at no cost.

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Freya realizes she does not have enough in her bank account to use the debit card. she decides to use a credit card instead. which questions should freya answer before using a credit card? check all that apply. can i pay at least the minimum payment each month? can i make payments on time and avoid late fees? will i have to take out a loan? how much in finance charges can i afford to pay? should i talk to a consumer credit counseling service?