PRACTICALLY FREE POINTS!!
In two or more complete sentences, describe choices that a consumer can make that could lead to financial irresponsibility.

a consumer can use a credit card to an irresponsible extent. a consumer can also buy goods from an unreliable source.

Step-by-step explanation:

i don't know how to explain but that's what I came up with

12r - 8 - 12

you have to combine like terms. below i have bolded the like terms:

12r - 8 - 12

together it combines to:

12r - 20

hope this !