Most people have a time preference. since this is true, they

Most people have a time preference. Since this is true they must have paid interest to consume later or as called as save now and are willing to pay interest to consume now or as called as save later. In addition to social studies, firms and governments are the demanders for loanable funds and equilibrium in the loanable funds market means the interest rate at which investment equals savings. 

given all the practice it takes to become proficient at writing up ncoer's, , awards, and conselings as well as learning how to become a well rounded   leader , and managing different types of people

answer; when one group has an extremely high score at pretest;