A college student complains that it was wrong of the credit card company to extend to him so much credit, because he now owes a lot of money and the company surely knew he could not have much of a job being a full-time student. A friend points out that the credit card company did not force him to sign up for their card or make any of the purchases. The friend's point highlights which of the following civic virtues most? (4 points) a Individual responsibility b Open mindedness c Patriotism d Compassion