True or false: many young drivers don't believe there are risks associated with marijuana use.

1. develop an action plan to deal with each of the following scenarios. a friend offers you a cigarette. (2 points) you go to a party and see they are serving alcohol. (2 points) a student offers to sell you some marijuana. (2 points) a friend comes to your house and asks you if he or she can take drugs out of your parents' medicine cabinet. (2 points)

'nepal have varied vegetation as climate and landforms'. justify the statement

Uses money from peoples savings to make mortgage loans