Which term represents an individual's visible characteristics, including, but not limited to, age, body size, visible disabilities, race, or sex?

Which of the following is the largest borrower in the money markets?

A) Commercial banks B) Large corporations C) The U.S. Treasury D) U.S. firms engaged in foreign trade

A tax-free gift of up to ________ per year in 2015 can be given to another person

A) $1,000 B) $5,000 C) $14,000 D) $20,000