When retrieving memories of a past event, we often fill in memory gaps with guesses about details. The fact that these guessed details are then incorporated into our memory of that event is most relevant to appreciating the importance of

Memory Construction

Explanation:

Memory Construction is the formulation of memories from our past and in the process of doing that we alter and modify them based on our assumptions. A memory from a long period might not be reported accurately again as we tend to mix it up with new events.

unless they converted, many non-christians (mainly jews and muslims) were persecuted

the question deals with financial planning and the answer is that dan did not stay on budget due to the fact that this guy needs to start decreasing his discretionary spending. according to the financial plan, he needed to balance his expenses and resources.