Paraphrase this:

for credit cards, minimum monthly payments are usually based on a ten-year payment schedule , and interest is charged on interest , month after month. this is the way compound interest works against you.

With the extra income, the bookers moved to a housing project. "loveman's village was brick," wash said, "and it was warm and well lit. there was a bathtub. it had hot and cold running water. there was a gas heater with a thermostat that came on whenever it got cold." how does this excerpt readers make a personal connection to the story?

Which two elements does this excerpt from a christmas carol by charles dickens contain? "a small matter," said the ghost, “to make these silly folks so full of gratitude." "small! " echoed scrooge. the spirit signed to him to listen to the two apprentices, who were pouring out their hearts in praise of fezziwig: and when he had done so, said, "why! is it not? he has spent but a few pounds of your mortal money: three or four perhaps. is that so much that he deserves this praise? " "it isn’t that," said scrooge, heated by the remark, and speaking unconsciously like his former, not his latter, self. "it isn't that, spirit. he has the power to render us happy or unhappy; to make our service light or burdensome; a pleasure or a toil. say that his power lies in words and looks; in things so slight and insignificant that it is impossible to add and count ’em up: what then? the happiness he gives, is quite as great as if it cost a fortune." he felt the spirit's glance, and stopped. "what is the matter? " asked the ghost. "nothing particular," said scrooge. "something, i think? " the ghost insisted. "no," said scrooge, "no. i should like to be able to say a word or two to my clerk just now. that's all."

Analyze how edgar allan poe's choice of setting in "the raven" to develop the speaker's character. be sure to use specific details from the poem to support your ideas.