When the U. S. dollar appreciates against other currencies, U. S. goods can be to consumers in foreign countries but can have implications for American companies with branch operations overseas.

The correct answer is letter "B": more expensive; negative.

Explanation:

A currency appreciates when its value increases in front of the value of other currencies. It is beneficial for countries where the appreciated currency represents the official method of payment but for foreign countries, it is translated as a devaluation of their currency.

Thus, if the U.S. dollar appreciates, U.S. goods will be more expensive everywhere where the U.S. dollar is not the official currency. However, for firms operating in both the U.S. and abroad, this scenario will be negative because when they bring their money back to the U.S. they will have to change the foreign currency to U.S. dollars at a higher exchange rate, meaning entities will have lower U.S. dollars.

cognitive overload: having a lot on your mind impairs decision-making and tends to result in the simplest, but not necessarily best, option being selected.

empathy gaps: overlooking how you might feel in a different situation can result in unnecessary purchases, such as overbuying when shopping for food on an empty stomach.

optimism and overconfidence: wearing rose-tinted glasses and having unrealistic expectations about the future can affect money management and leave you unprepared for a change in circumstance.

instant gratification: seeking instant gratification drives impulsive spending and can undermine long-term planning and savings.

harmful habits: automatic or mindless behaviour can amplify a poor financial decision as it becomes a recurring event.

social norms: we are heavily influenced by the actions of others; while this can be in certain circumstances, it also contributes to the pressure to keep up with the joneses through conspicuous consumption.