Amortgage-loan officer persuades unsuspecting consumers to sign up for exotic mortgages, such as "option arms." these mortgages offer borrowers the choice to pay less than the required interest, which is then added to the principal while the interest rate can adjust upward. because of this setup, many borrowers are unable to repay the mortgage once the interest rates go up. which of the following phrases best describes this scenario?
1)legal but not ethical
2)ethical but not legal
3)legal and ethical
4)neither legal nor ethical

it's actually a very difficult task, due to not many people can make 2 million dollars in 2 years. besides that, to the not-so-realistic ideas, you can create a business. it could be practically anything, but make it into a business that isn't that known yet, you get me? also, lets not forget about stock market. that's where all the good stuff happens. use investments at the beginning and begin to raise up your business or whatever you're going to do. as this is a very non-realistic idea, it's still worth the shot!

answerorganizational language;

it established new limitations on use and disclosure for marketing purposes, prohibited selling medical information, expanded individuals’ rights to accessing their own information, and to obtain restrictions from certain disclosures of protected heath information to health plans.