Data Access patterns propose frameworks for handling issues of communication between the interface and database

_____ is an individual’s tendency to believe that they are less susceptible to risky events such as earthquakes.

Fill in the blank(s) with the appropriate word(s).

A major factor in the severity of the 2007-09 financial crisis was the massive amounts of debt taken on by:

a. individuals b. business c. government d. all of the above e. none of the above