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An elementary school science teacher decided to liven up the classroom with a saltwater aquarium. Knowing that saltwater aquaria can be quite a hassle, the teacher proceeded stepwise. First, the teacher conditioned the water. Next, the teacher decided to stock the tank with various marine invertebrates, including a polychaete, a siliceous sponge, several bivalves, a shrimp, several sea anemones of different types, a colonial hydra, a few coral species, an ectoproct, a sea star, and several herbivorous gastropod varieties. Lastly, she added some vertebrates-a parrotfish and a clownfish. She arranged for daily feedings of copepods and feeder fish.
-If the teacher had used a dissecting microscope to examine the outer surfaces of the empty bivalve shells, the teacher would probably have seen marks that had been left by
Finance Charges
The total cost of borrowing, including interest and any other charges assessed by the creditor.
APR
The Annual Percentage Rate, a measure used to calculate the cost of borrowing, including interest and other fees, shown as a yearly rate.
Payday Loan
A type of short-term borrowing where a lender provides high-interest credit based on a borrower's income and credit profile, typically to be repaid by the next payday.
Average Daily Balance
The average amount owed per day during a billing cycle.
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