When shopping for their brother, jack and james are presented with a red shirt by the sales person. while jack likes the shirt, james dislikes the shirt. in this scenario, even though the color of the shirt is the same, jack and james disagree because of differences in their of the shirt?

The correct answer is preference.  At any given time,   different people will have different likings and affections towards a certain product. This is influenced by many factors such as personal taste and previous experience with the same or related product.  This results to difference in alternatives when it comes to selections of goods and services from the customers’ point of view

forbearance of student loan payments. under forbearance, your loan payments are postponed (or reduced) but interest continues to accrue during the period of forbearance. if you don't pay the interest during that period, the interest may be “capitalized,” which means it is added to your principal balance.