One of your co-workers complains of very slow system performance and says that a lot of antivirus messages are being displayed. The user admits to recently installing pirated software and downloading and installing an illegal keygen to activate the software. What type of malware has affected the user's computer?

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?