_____ is the first activity to be involved in a typical business-to-consumer (B2C) cycle

B purchases a small commercial property, and he finances it with a 65% loan. The lender charges 9.25% annual interest and three discount points. The discount points:

A. increase the mortgage payments B. decrease the annual percentage rate C. increase the fender's upfront yield D. increase the nominal interest rate

________ is the extent to which a cause, X, and an effect, Y, occur together or vary together in the way predicted by the hypothesis under consideration

A) The time order of occurrence of variables B) The role of evidence C) Concomitant variation D) The elimination of other possible factors