phase is the stage when investors in their early-to-middle earning years attempt to accumulate assets to satisfy near-term needs, e. g., children's education or down payment on a home. A. Spending B. Gifting C. Consolidation D. Accumulation

Read the following paragraph, and choose the best revision for one of its sentences.dr. blake is retiring at the end of the month. there will be an unoccupied office upon his departure, and it is big in size. because every other office is occupied, we should convert dr. blake’s office into a lounge. it is absolutely essential that this issue is discussed at the next staff meeting. (a) because every other office is occupied, it’s recommended that we should convert dr. blake’s office into a lounge. (b) because every other office is filled, we should convert dr. blake’s office into a lounge.