Paraphrase this:

pay off the credit card every month , and if one month you cannot pay in full, don't use the card until you can pay the debt.

Don't use the credit card of you cannot pay it full in every month or pay off the credit card every month.

i believe the answer is b.

the correct answer is option d. none of these. it is noted that options a, b, and c share the same content.

despite the valid answer provided at the last sentence of each of the options, a question/answer format shouldn't include humourous themed responses such as "you bet your thermal pj's we do." - unless of course, the answer is carried out in an informal environment. this could be replaced with a simple "yes" or "it is necessary".

the question should be re-phrased to a more appropiate syntaxis. instead of "do we need the greenhouse effect? ", it should be written as "is the greenhouse effect necessary? " in order to give it a general scope, instead of limiting the answer to the needs of "we" the humans.