________ describes hardy people who bounce back, have a sense of control over their lives and do not fear change

Which of the following sentences about the benefits of foreign investment is true?

a. Foreign investment is invited only in labor-intensive industries. b. Foreign investment has more effect on employment in developing countries. c. Most expenditures on research and development are made by the major developing countries. d. The ability of foreign firms to utilize modern technology in a developing country depends on having a supply of engineers and technical personnel in the host country. e. Foreign investment will improve balance of payments if the foreign investment is used to produce goods primarily for domestic consumption.

When housing prices fall, as they did beginning in 2006 following the housing market bubble, consumption spending on furniture, appliances, and home improvements ________ as many households found it ________ to borrow against the value of their homes

A) declined; easier B) declined; harder C) increased; easier D) increased; harder