More consumers are expressing an interest in sustainable behaviors. This represents an opportunity for Tesla's Model X

At closing on a loan the APR is higher than the interest rate because

a) the interest rate is calculated on a 360 day calendar b) interest rates fluctuate between the application for the loan and the closing date c) the borrower paid some extra costs to obtain the loan d) the lender paid some costs that contributed to the loan

In the ACE process for communication, the second step is ________

A) composing B) cutting C) collaborating D) copying E) considering