Creating a sense of community is one of the biggest challenges faced by local governments in the twenty-first century

Which of the following is NOT true regarding direct democracy and minorities?

a. Many people worry that the initiative process can harm the interests and civil rights of minorities. b. There is evidence that the initiative process is prone to produce laws that disadvantage minorities more thanlegislatures would c. In nearly every instance where the initiative process has been used to limit minority rights, courts havestepped in to overturn voters and uphold minority rights. d. Most initiatives pit the interests of racial/ethnic minorities against the majority.

The rising level of student loan debt in America is a cause of concern for economic policy as a whole because ______.

a. students aren’t always immediately prepared to pay off their loans right out of college b. when a significant number of students are forced to use a substantially large proportion of their income to pay for high levels of student loans, they are unable to contribute to the economy in other ways c. states must reallocate financial resources to offset higher tuition costs, resulting in lower revenues d. more students are forced to stay in college for a longer period in order to avoid having to repay their loans